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Life Changing Decision to Make
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Posted by Karla_NE (My Page) on Thu, Jan 31, 02 at 16:51
| Here is the deal. I am a working Mom with a 14 mo. old DD. I am married, and DH and I both work full-time days. DD goes to a daycare center during the day. I have been very unhappy at my job, due to mainly my job is not what the job description says, and my boss. She is so anal it is disgusting. My boss and I have had many problems, too many to list.
I used to REALLY have a hard time having DD in daycare, but I have gotten much better with it. DD seems to like it and they do lots of neat things there. The bad side is that she has tended to get sick a lot this winter, which I am sure is partly her age and a lot because of being in daycare.
DH used to be adamant that I had to keep working. He is now seriously at the point where he is "ok" with it if I want to quit my job and have DD home with me. He says he has changed his tune because he realizes that happiness is more important than money. The deal is I would still have to work part-time, probably evenings and/or weekends, to make ends meet.
I currently bring home about 50% of our income, so it would be a huge hit financially if I quit. We have done all the math a million times, and with me working and having DD in daycare, I am still bringing home a very healthy paycheck. We also want to have one more child. Even with another child in daycare, I would still be bringing home a good deal of money.
I am SO torn, and do not know what to do. If I quit we would really have to cut back on things. If I keep working, I had thought about getting a different job and I think I would be happier, but if I stay here I am guaranteed 12 weeks maternity leave. If I went to another company, I would have to be there a while to get the 12 weeks maternity leave.
To add another monkey to the wrench, we also want to buy a new house. We have lived in our house for 5 years. It is 26 years old and we have done a LOT of remodeling to it. Even so, there are still many things that will be needing repaired or replaced. If I still worked full-time, we could afford to get a new house. If I did not, that would obviously have to wait. DH and I moved and had to change schools as kids, and it had an effect on us. We both agree that we would rather buy a new house to stay in long term before DD and second child are in school.
So with all my babbling, I hope it all makes sense. I just don't know what to do. I see both pros and cons to my current situation and what things would be like if I quit working full-time. If I stay working full-time we have more money, could buy a new home, and can keep DD's college fund going and we can keep socking away money for retirement too. On the bad side, DD is in daycare, and our lives seem so hectic all the time. If I quit working full-time, we have MUCH less money, finances would be tight, and we could not buy a new house or possibly even the college and retirement funds. On the plus side, DD would not be in daycare, she would be home with Mom, she would probably not get sick as much, etc.
I am usually very good at making decisions, but this one I am so unsure what to do. Any advice is appreciated. Thanks.
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Follow-Up Postings:
RE: Life Changing Decision to Make
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| I struggled with the same decision in an almost identical situation last year. I'm not gonna lie to ya--it's tough financially. On the other hand, it is working great for my family. It means being available to pick kids up from music lessons and scouts and go on field trips and going to school for activities and even just for lunch sometimes. It means having time to myself to get laundry done so that on the weekends we get to spend time as a family. It means being able to put decent meals on the table several nights a week. Mostly, though, it means not having to deal with the c*rap in the dog eat dog workplace. No one can decide this for you. Clearly, you understand that it means a shift in priorities. I'm sure you'll get lots of advice for both options but the bottom line is that you are the ones who are going to have to live with the decision. You have to be comfortable with all the aspects. |
RE: Life Changing Decision to Make
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| i agree with Threegirlsmom - you may have to make adjustments with not having the extra money, but the time you spend with your kids and DH will more than make up for it! Especially if you are thinking about having another baby. You could explore your options as far as employment - maybe work from home. I say go for it! Good luck in your decision. |
RE: Life Changing Decision to Make
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| I made the decision you're contemplating 12 years ago this month. I just didn't go back from maternity leave! Money WAS tight & DH had a harder time dealing with it than I did (he came from a family where both parents worked - my father was self employed, so it was either feast or famine when I was growing up). I remember the days of living paycheck to paycheck & seeing other women (who worked) getting their new homes.......... The grim reality is that your career will probably never recover from this - it may, but don't count on it. You will suffer culture shock and an identity crisis for the first 2 or 3 years. You are no longer "Jane, working woman." You are NOW "Susie's mother." You will no longer be bringing home a paycheck or contributing financially to the family. Getting used to not having your own money that YOU earned is hard. I DID get my new house 3 years ago. Was it worth the wait to be able to stay home with DD? You bet! My suggestion? Live off what your husband makes - use your check to pay off all of your debts except your house & sock the rest of your paycheck (less daycare & job related expenses for you) into savings. That will give you a feel for how it will be & whether that's what you really want to do. It will also give you a pad, so the first couple of years while you're settling into "the lean years" you'll be able to raid the savings account for $50 for groceries to last until payday. This is a really tough decision. I say if you have your husband's support for the move, seriously consider making it, but realize it's going to be an adjustment for everyone. Good Luck! |
RE: Life Changing Decision to Make
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| my cousin went through the same thing. she found however with all the added little expenses gone they could do it (gas, lunch, new clothes, "quck to prepare food" or going out ot eat all the time, the extrs cost on the insurance policy for the miles she drove each day). Her DH was dead set agaist her stay at home. It wasn't until their then 4yr old son had some separtion problems(from his old daycare provder not his mother) that he would even consider her staying home. |
RE: Life Changing Decision to Make
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| Take a deep breath. It's not all or nothing. First of all, your husband can stay home instead of you; you or he can work from home; or work part time; or start a home daycare; or just tighten your belts; or take classes to improve/chance your job opportunities; or use your imagination and start your own business, etc etc. There are tons of possibilities here and you won't end up in poverty forever, it at all. But just as any poverty won't last long, neither will your baby's young childhood. We're talking five years max until a child is in school anyway. I do applaud you for wanting to take your child out of daycare if at all possible though. In my humble opinion, most kids do eventually "appear" to do well in daycare, and a few really are just fine. But "having fun" and "learning things" is not as important as forming a solid bond with a parent, and that's not possible when the child and parent are hardly ever together. (Not to mention parents can teach their kids and fun with them too!) My kids stay home with their dad, and since I've gone to work our bond is just not the same. I can't imagine leaving them with a babysitter, as at least staying with their dad still gives my kids a parental bond with someone who really loves them. I find kids who grow up without that bond often seem lost. Some parents have no choice, but it appears you do. When your kids grow up, what will they remember most? Having a bigger house with plusher carpeting, or a mom or dad who was home with them? What do you think will mean more to them, especially if they're only there to enjoy the fancy house in the evenings or on weekends? I think you know the answer to your question. It's only five short years, and then you can go back to work again. |
RE: Life Changing Decision to Make
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| We tried to live on one salary for the first 7 years, postponed kids, and saved mine for the day I would no longer work. My DH thought that day would never come and hoped I would work after having babies, but I determined to stay home after the first one was born. I did just that. I do not regret doing so. I wonder just how my kids would have turned out--especially my wild and wooly one--if I had not been around to supervise them and keep them busy. I kept involved with them and their activities, community volunteering and school especially. I do not regret it. It did take some adjusting--at first I felt like I was not doing my share since I no longer brought home a paycheck. My kids are in their 20s, doing well, and I am doing a little work online and in local government, where I used to volunteer. |
RE: Life Changing Decision to Make
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| Here's the problem~if you plan to quit, you can't go planning to do all these other life changing things. Buying another house may not be something you can think of now, if money will be tight and you certainly don't want to quit your job, buy a new house and plan a baby all in the same year. You'll be stressed more than you are from work. The biggest stress factors in your life, are changing jobs, getting married (which you've already done), having kids and moving. Some people can handle all that just fine but think about you. Are you okay with changes? I would also stop and think about how important family time is to you. Yes, you'll be home more with the kids during the day but if you're working nights and weekends part time, you won't see your husband all that much. You'll be headed off to work when the kids are heading to activities. You'll be at work most of the weekend while the rest of your family is at home or out doing other stuff. I remember just trying to work part time when I was in high school and how little time I was at home with my parents and brother. I felt left out of the loop. It also was a pain when the weekend came and I didn't get to do anything but head off to work. Try adding children and a husband to the picture instead of parents and the family if you ever worked part time before. My MIL used to work a 3-11pm shift at work and it killed her. She didn't get to see her husband that much. He works swing shift and really she only saw him when he was also on 3-11 (he was home while on 11-7, but in bed sleeping until after she'd go into work). She missed being home for supper, in the evenings just to watch tv, seeing her grandkids and doing things during the week. She felt left out quite often and her husband was very lonely at home alone all the time. Your husband will often be getting the meals and caring for your daughter in the evenings. Can he handle doing that himself? (Not saying he can't but there are men out there who don't help at all and are clueless) The bottome line is the decsion is still totally up to you. You just need to weigh all the facts and decide if you can handle the money situation (it will still be tight if you take a part time job because they don't usually pay all that much and options are limited) and some other changes that will occur. I'm not saying you should not do it but I thought of other things that it seemed others weren't. They were focusing on pretty much all the good aspects but you need to know the bad, too in order to handle this. You can't go into the situation blind. Good luck to you. ~Leslie~ |
RE: Life Changing Decision to Make
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| I totally can understand. I have a job I love with a boss who can either be wonderful or cruel enough to make me cry on my way to work for 3 weeks. Many times I wanted to quit but we needed the money and it is such a close drive from home why would I want to travel to the city for work. The pay is better than I would get most places. Then DH was out of work for almost a year and went back to school. We lived on my pay which barely paid the bills and never had extra for anything. But we managed. I made cheaper meals but all meat, potato and veggies so they werent bad ones. We got free movies at the library instead of the video store, I made homeade potato chips for a treat, we used less gas by doing everything in one trip or on the way home from work and when it came to a family outing we went fishing and hiking or to a free festival or museum. All in all we managed that year very well and it made us wonder why we were always broke when we both worked. My home is 138 yrs old so talk about problems! That is the one thing that has kept us both working. We were just saving money to pay off some debts so we could be comfortable on one paycheque when the furnace went and the truck went. We cant get any more loans so we first had to save for a cheap car and used the wood stove for heat, now my car is going so we are paying off a loan, saving for a new car then there was no water, my cistern pipes went in the tank and underground so had to get that replaced. We still dont have the furnace but we are managing as many others once did in that house. I think that is the only downfall to a loss of income. If you need serious repairs you need to be able to fix them. As for a part time job you have to remember when the kids are in school evenings and weekends are the only family time you get together so you dont want to loose out on that either. I would personally try to save up a bit of emergency money, do any urgent repairs or get your new home, take your maternity leave with you existing company since you have it guaranteed then while you are off on leave look for a new job if you need to or decide to stay home for a few years. Maybe you could start a home daycare or do office work at home. At least you know if it doesnt work out you can have your old job back if needed. |
RE: Life Changing Decision to Make
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| Not to be a big downer, but I'd like to mention something that no one else has. I have a 6 month old DS, and my DH and I both work full time jobs. DS goes to the sitter about 7 hours a day. I was just getting to the point where I could quit my job and live on DH's salary--while being extremely frugal, of course. DH supported me 100%. 3 weeks ago today my husband and son were in a bad auto accident. The baby wasn't hurt, but DH was hurt badly. He will be out of work probably 6-8 months. So now, we live on my salary only, and the baby STILL is at the sitters because DH can't walk without a walker and has a cast on his entire right arm/hand. He had accumulated 2 weeks of paid sick and vacation leave at work, that's all. So, if you are planning on quitting, make sure you have means to support your family if something unthinkable should happen. Because it happened to me. And no, he can't get social security disability, we didn't have disability insurance because it was so expensive, and he wasn't at work, so no workers comp. And to top it all off, when he does go back to work, we will have to buy a new vehicle--his is totaled. |
RE: Life Changing Decision to Make
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| well i was in the same boat a few months ago-i didn't want my kids to be in daycare all the time, yet i made really good money and after many years working there i knew if i quit and had to start all over again years later i would be WAY below what i was making which made the decision even harder. also,getting out of my career for any period of time i didn't think was a good idea because 'forgetting' stuff could be dangerous.(dietitian) anyway, i knew when i was on maternity leave for those 3 months- that i could not be a full time SAHM. I love my kids with everything, but i knew it wasn't for me- it made me too lazy and i hated it.i felt like i needed to be cleaning constantly and didn't get to spend that much time with the kids anyway. so our solution was one of 2 things- we decided either i was going to stay working full time and hire a full time housekeeper so that every minute i did spend at home would be devoted to the kids, or # 2 i would go part time- and that is what i ended up doing- i work tues and thurs one week and mwf the next week- it is perfect- i also moved my hours up (it took me a little while to find a daycare that would accept part time, but we decided even if we had to pay it full time we would-)i still get to keep my job and make a good salary- still get to see the kids often, and they get a chance to go play at the daycare with their friends. is there anyway any of these options would work for you? one other thing to consider when making the decision is to figure in your benefits- if you quit would you also be losing life insurance? medical insurance? pensions,etc? because my husband was self employed we kind of depended on those benefits. |
RE: Life Changing Decision to Make
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| It seems like so many of us have this struggle today. The economy is such that it is almost a necessity for both people to work. I went through the same thought process as you a few years ago. I ended up putting a "proposal" together for my boss asking for flex hours. I explained how if I had a computer at home, I could work nites, weekends,etc. She decided to let me try it and I have been doing it for 5 years now. Its great because I leave at 2 every day which gives me all afternoon with my children, doing homework, being here when they get off the school bus, etc. But my work doesn't suffer because I work off and on through the night. I have found that as the children get older we need even more $$. All their activities, school clothes, supplies, endless b-day parties, etc. really adds up. If possible I would recommend part-time or flex hours. I've noticed there are jobs on "hotjob" that offer flex hours. Whatever you decide to do, I am sure that you will raise a happy, healthy well adjusted child - and that's what matters most. |
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