i need some advice on money issues
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Debbie - posted on 10/01/2009
Well put Elizabeth! I nursed my daughter until she was 4 mos old. This saved us $100.00 dollars per month. My sister in law (bless her heart) gave me enough hand-me-down baby clothes to fit baby until she turned 9 mos old. Any toy, crib, bouncer, baby swing, stroller, any co-worker, family or friend wanting to give me- I accepted it gladly. If I couldn’t use, it I traded it to a used baby store for something I could use. I wrote Thank You notes to EVERYONE.
We cooked meals in the crock-pot. At one point a year ago, my husband and I ate beans and rice 2 times per week for 4 weeks. :)
8 weeks after I had my daughter, my husband and I were working 40 hrs per week, going to University full time, and taking care of our new baby. It was challenging. But, we are doing better now. The sacrifices in the right places made it easier for us now.
Elizabeth - posted on 10/01/2009
I underdstand the money cruch. My husband and I have a similar situation. I paid the house payment( includes tax and insurance), food, medical stuff. I went back to work 4 weeks after my son was born. I lost my job 2 1/2 weeks later. My unemployment barely covers the house payment and food. I have to do without my asthma and allergy medicine because of the money. My husband does all he can to help. Sometimes it is robbing Peter to pay Paul. We make it work. We make "too much money" for any kind of assistance. Like 200 too much. We stopped eating out so much( practically all) , we cut cost where we can. We my son was old enough we put him on baby food. We don't buy as much formula now as we did and soon he willl be on 2 percent milk.
My suggestion is that you go back to work when you are able. It is rough to leave the baby I know. I only went back at four weeks because I had surgery at 3 weeks. I would have gone back soooner. When times are tough you have to do what you can. The baby can't do without but his parents can. Do all your erands in one area if you can. It saves gas. Use cloth diapers is you can because that will save more. If you can't do that stock up on big boxes of diapers. That in itself helps too. I know we buy them a case at a time. You will find ways to cut back. The internet is a wonderful tool as well if you research it. You will find many ways to cut back. Some may not work for your situation but some might. Good Luck !
Debbie - posted on 09/30/2009
You have a few options:
1. Hubby gets 2nd job.
2. You go back to work full or part-time as soon as you can.
I only took 8 weeks off work for my maternity leave. (I had a C-section). So, after 8 weeks I went back to work full time. I would have like the part time thing better tho.
3. One or both of you get more schooling ASAP. This will grease the way to an easier future. :)
Ashli Faye - posted on 09/30/2009
guess what ur husbnd needs second job part time my husband works full time 40 plus a part time 14 hours duuring the week and my job is 12 hours a week on the weekend only that way i am with the kids durring the week and he is with the kids on the weekend look we pay our bills all of them why 10 months maturinity leave is usually 2 months why dont u go back to work ater two months
Tanya - posted on 09/30/2009
We had similar problems with the splitting of everything and before my pregnancy I really didn't mind paying half for everything but after being pregnant I just couldn't get through with all the extra expenses. the only solution we could come up with is to put all our expenses together and our salaries together and take it from there... A friend of mine took the ratio of her partners salary vs the ration of her salary and that was the ratio they pais their bills in.. eg if it works out that the total income is 65% his then he is liable for 65% of the bills... Its really difficult be he must understand that its both you and his baby thus he should help til you are able to go back to work and earn a full salary... in the end after all that worrying about the finances there always seems to be enough to get through...
Gwendolyn - posted on 09/29/2009
Where do you live? I'm not sure what resources are available for moms in other countries but I'm in the U.S. and I was able to get medicaid (government insurance) for myself and my baby. That helped sooo much! We also recieved food stamps and qualified for a program called WIC (women, infants, and children). Between WIC and food stamps we really didn't need to buy much food if I was smart about what I purchased. I think the 2 things that saved us THE MOST MONEY were that I breast fed my baby and I used clothe diapers. I know that this seems like too much to alot of people, but it really works for me. I wanted to breast feed because I knew it was best for my baby anyway. I wasn't sure about cloth diapers, but I thought I would give it a try and I was surprised that it is alot easier than I expected. I buy a few disposable diapers for when we are out and about because its just a lot easier but pretty much stick to clothe when we're at home. I have also found that my church is a really great support system. People really do want to help if they know how they can help. Hope things get better. It's tight times right now for pretty much everyone.
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