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Hey girl, honestly I don't know what kind of bills you have each month, but for us that would not be possible. I would try getting a work at home job. I have one and am looking into another. You could also try doing childcare at home. Good luck and let me know if you need anything!
Kristin |
| posted by Kristin on 09/10/2008 12:18 PM
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There are ways of being able to do it but you have to learn to be frugal with your money....cut out all the stuff you don't really need.
extra features on your phone...or the house phone all together if you have cell phones, basic cable or no cable you can always rent movies from the library, going out to eat or fast food. Plan your meals ahead of time and don't cook more than your family actually eats so as not to waste, start stocking up on certain items when on sale for future use. If you get manicures and pedicures try doing them yourself.
I have a million of them we have only one income but our bills are tremendous we don't drive everyday my husband works from home and only goes in to the office twice a month i clip coupons when possible for things i know i will buy. I go through all of the grocery adds and plan my meals around what is on sale and will go to more than one store.
we do free stuff at the library for entertainment and walk to the park and have a small picnic it can work for you but you have to make a list of all of your bills figure out how much you spend a month and then be realistic on what you really don't need that you can cut out. I think we have had fast food 3 times this year because my cooking is much more healthier and cheaper. i know how to make hamburgers and fries... also cut out junk foods.... sorry i can go on and on and i know it sounds simple but it isn't, it takes a lot of self dicipline and work from both adults, he has to also make sacrifices, my hubby stopped getting starbucks and instead of always buying his magazines we go to borders he reads them there while the kids and i read kids books and such.
if you need more advise just let me know I have read tons of books on this and we are treating ourselves to broasted chicken tonight because i budgeted for it and have a coupon :) |
| posted by Kristhal on 09/10/2008 01:32 PM
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I stay at home and work from there too. Too hard out there right now for that amount of income and without my homebased job, I know I would not pull it off. Try it out and see how you like it. There are many to get into. Try this one.
www.dailypayplus.com |
| posted by Lenice on 09/10/2008 01:33 PM
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| Im a stay at home mom and my husband brings in 30 k and we do okay!!! we really know how to shop and pay bills!! it just takes alot of disapline and thinking!! |
| posted by Katey on 09/10/2008 03:45 PM
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| I am a Stay At Home Mom. Try to buy as few new things as possible. Go to garage sales and second hand stores for clothes and toys. Not a lot of people have heard of it, but you can purchase or make reusable toilet paper, baby wipes, sanitary napkins, and paper towels. Using cloth diapers will save you hundreds of dollars with your first baby, and even more with your second baby. Breastfeeding will save you $2,000 in one year in formula. For more information, check out www.wallypop.net "wallypop living" |
| posted by Julie on 09/10/2008 08:17 PM
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| Thanks, everyone. KATEY, your hubby makes $30K too? can you give me more specifics on how you make it work??? do you have cell phones? cheap rent or a mortgage? one car? you get the point...how the heck are you making this work? you're giving me hope!! thanks! |
| posted by Gretchen on 09/11/2008 11:58 AM
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Hi, Gretchen! Kristhal & Katey are right! It takes discipline! It's as simple as that. If you are used to buying what you want - when you want it......get out of the habit. Discipline starts with a change in your thinking. I have always been an independent woman. I worked hard and pretty much bought anything I wanted as well as traveled extensively. I've been married a couple of years now and just had a new baby. It really challenged my thinking because I said I always wanted to be home with my child. Well, then I had one. I decided to quit school and my job. I do not regret it. I no longer go to the malls or watch a lot of tv (which also makes you want to spend). I've been fortunate enough to have family and friends who are sharing their baby clothes with me. So far, I won't have to spend money on clothes for the first two years of his life.
Good luck! |
| posted by Alberta on 09/16/2008 01:59 PM
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| well lets see....we dont have a home phone but we do have cell phones our bill is around $90 then theres cable and internet we dont have those hbo and encore channels just regular thats about $81 then we live in an apaetment at the moment so $40 for water $25 for sdge then since we dont make enough for a family of 4 we qualified for ebt we get $270 for food and we pay the rest we spend about $70-$80 a week for food with ebt!!!! we pay $935 for rent. and dont forget about gas thats about $40-$50 a week! then we go to costco for baby wipes we get 1 box of 8 (88 wipes) that lasts us 2 months and we get a huge tub of laundry detergent for $10 that will last us 3 mnths!! we also spend $15 at the laundry matt a week.and we buy target brand diapers they are good and cheap!! we dont buy new clothes unless we really need them and all stuff we also shop around to get whats on sale and cheap!! we also will food that we can make extra of and eat it the next night like spagetti!!ummmm i dont think there is any thing else ?? we are on a tight buget so we think before everything we buy we dont own any credit cards and i own my suv so we dont have payments!! but for car insurence we have full coverage and only pay $367 for 6 mnths!! what kind of bills do you have???? |
| posted by Katey on 09/16/2008 02:35 PM
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| what I can add (being on the same situation) is: buy food in stores like Aldi, Marc's (here in Ohio), diapers only when there's a sale and using coupons at the same time, check weekly flyers and buy fruit, vegetable and meat wherever they have a sale. I never pay more then $1 for a toy for my baby, cause I get them all at baby sales (PTA's and high schools), baby clothes I got from my cusin. We have one car, one cell ($55) and one home phone (Vonage $24), internet AT&T($29). My baby insurance I got through Healthy Start (goverment program) and I have WIC for formula ($25 per can!!) and cereal. I check garage sales and buy stuff from clearance very often. I guess that's all.. |
| posted by Justyna on 09/16/2008 09:50 PM
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| I too am a new sahm! Thanks to everyone who posted great tips on saving money. I can add that if you make a list before you go shopping and stick to it, It has been amazing at all the crap I bypass in the stores. |
| posted by on 09/17/2008 12:07 AM
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http://www.budget101.com/
This is an excellent website! |
| posted by Julie on 09/17/2008 10:17 AM
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| Yeah I fit in that catagory perfectly. But even if I did go back to work, I would pretty much just be working to afford to pay for daycare. Whats the point in that??? It is possible, you just have to budget. I also became an independent demonstrator for Uppercase Living so that I can bring in some extra income. I really enjoy it doing it, so it not like work at all. Here's my website: http://ballard.uppercaseliving.net |
| posted by Ali on 09/18/2008 01:08 AM
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