Trying to decide if going back to work is cost effective?

Natalie - posted on 08/02/2011 ( 12 moms have responded )

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Money is so tight right now and my hubby is working so hard. I feel like I need to do something to help out, I am wondering if paying for childcare is going to cost us more than to actually help us. I am going to school online to get my degree so I will not be making a lot of money if I do get a job.

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Lisa - posted on 08/02/2011

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Have you thought about finding a job a couple nights a week that you can go to once hubby is home from work? I've waitressed in the past just to get out of the house and make some extra cash.

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Sharri - posted on 08/04/2011

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Try Demand Media Studios if you know how to write simple how-to type articles. I was at wits end at home with the kids, dependent on my hubby for every dollar. I went online and discovered Demand Media. They pay 15.00 per article-- how-to or information articles about a broad range of subjects. They pay twice per week straight to your paypal account. You can write whenever you want, as much as you want. EAch article is reviewed by an editor, so you have to stay on top of grammar and punctuation, and be careful not to plagiarize. It has really help me feel independent and to make some extra dollars. I can write an article per hour, including references, so that's 15 bucks an hour for sitting at home in front of the computer with my kids coloring in the background. One article per day will earn you the same four hundred bucks per month you would make at a job outside the home. They also hire editors, copy writers, filmmakers, etc. Check it out, hope it helps!

Bella - posted on 08/04/2011

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wewould have to pay more for daycare and work related expensed than it was worth, thank goodness I could work from home and help other moms do the same

Ashley - posted on 08/04/2011

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Have you thought about working for afterschool children at a local elementary school? I looked into this at one point. It's only 2-3 hours every weekday and it doesn't pay a lot, but it may work out with your hubby's schedule (he could watch the baby for just a few hours in the afternoons before he goes to work maybe?). I know money can get tight, but you guys have been able to budget very well so far or you wouldn't be able to stay home right now. You're obviously doing a great job and already know how to budget! Maybe just a few extra bucks is all you need. Or if you're in a neighborhood, maybe you could babysit children that get off the schoolbus near your house in the afternoons. I did this for a neighbor at one point because she was working retail hours. Not sure if these things are interesting for you, but just a couple of ideas to toss around! I hope you guys get everything worked out. And like I said, you've made it this far, and you've done a great job!

Toni - posted on 08/04/2011

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I know in our house, with three kids, it is pointless for me to work. All of the money would go to a daycare, and around here the daycare places are steadily going down hill. One recently left a child at a park. Left as in forgot.... Today it was reported that the owner of a daycare was arrested for money laundering and selling marijuana. UGH! I am just going to keep my kiddos with me. :) Where I know they are safe. We will make it, we always do. ♥ :)

Deidra - posted on 08/03/2011

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How about working from home? That's what I've done for years so I save on gas, childcare, meals out, work attire etc. Maybe do graveyard work while child sleeps, or weekend work etc.

Bridgette - posted on 08/03/2011

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I went through the same thing - I actually had a job before my baby that would cover daycare costs but would hardly allow me to see the baby all week. I looked at other possible jobs but nothing would cover the costs. I even looked at some of the "work from home" jobs (but those require you to have time to devote, which I had a hard time doing with a baby at home).

I ended up having to go back to the job that was long hours in order to make the extra money, but still not sure it was the right thing to do. I am still looking for the one other possible solution a friend of mine had - finding a job you can take your kids to (like at a church, some non-profit, at a daycare or similar, etc).

Not sure this was helpful, but you arent alone in trying to figure out the right thing to do, just think it through and do what you think is best for all of you!

Katherine - posted on 08/03/2011

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If you are a REALLY good writer and researcher you could sit at home and write grants. They are always in need of them. You can charge hourly or a percentage of the grant and charge an upfront fee which is usually $100. But if you got a grant for 100,000 and charged 1% that's 10,000. If my math is correct.

Maggie - posted on 08/02/2011

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really does depend on the pay....I looked into working part time to help out with the struggles of bills but we worked out Id be better of just on family tax benifit unless I was on some really high wage. Then thought about full time which I would hate myself for doing, Id hate to leave my son with child care and pay 400 a week and never have the time for him. I have friends that have gone back to work and they might make 2 hundred a month extra than what they would as stay at home mums, by the time government benefits are cut off and child care is paid....

Natalie - posted on 08/02/2011

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Part of my problem is my husband works third shift from 10 p.m. to 7:30 am and sometimes until after 10 am. He was premature and had a few health scares when he was born so I guess his health is always a big thing for me.

Jennifer - posted on 08/02/2011

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Like Kelly said, a lot of that depends on the area you live and how many children you have. I had to quit my job as a state tested nursing assistant after my 3rd child, because it cost more for my kids to be in daycare. At the time, I was making $11 an hour (minimum wage was $6.15), so I was making ok money. The going rate for childcare was $3 an hour per child, so once childcare was payed, and taxes taken out, I would be left in the hole.

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I guess it depends on your area. In mine, child care for one is about $600-$800/month. Most careers do pay more than that, but you also have to factor in other costs like pre-made meals, housekeeping, wardrobe/dry cleaning, additional commuting costs, like bus/train fair, or additional gas and maintenance on your car if you drive.

I think for most people, yes, going back to work would mean more $$, but if you are also in school, you have to consider how you are going to balance all of that and still have time for your family. Plus, jobs, as opposed to careers, will not pay enough for it to be worth the effort after expenses are taken out. I mean, is an extra $400/month really worth all the stress and effort you will have to put forth to make it work?

If I were in your shoes, I would probably tough it out until you finish your degree, then get a job in your field.

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