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Kelpa View Drop Down
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    Posted: 10 May 2006 at 12:44pm
Maybe this has been bought up before? Not sure.
I am sitting here working out budgets and money and all that and I just dont want to go back to work after this baby is born!Not even for the few hours I had planned on. Just doesnt seem worth it.

I know we would only just manage on one wage however I really dont like struggling and worrying about money!


Is there anyone else in this situation?

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Andie View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Andie Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 1:00pm
We're already just managing on one wage and I won't be working after baby's here that's for sure. If I could I'd consider working part-time, but moreso once the child is at school... or more likely the youngest of our kids is I guess!

It's scary - thinking that we can't afford a holiday (or even a weekend...grrrr!) now, and things will get tighter once there's 3 of us, but it's something we can't actually change, so I'm trying not to stress since I can't fix it. Scary though, eh.
Andie
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Roksana View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Roksana Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 1:06pm
I had to come back to work.....Even tho I did not feel like leaving bub....however I didnt have a choice. I earn more than hubby and we have a huge mortgage....

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toniellis View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote toniellis Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 1:16pm
Hi Kelpa,
It really is one of those questions that only you & your hubby can decide I'm afraid!
There is a small amount of help with the Working for Families package if you qualify.
I am one of those people who has been lucky enough to stay at home with my boy & although some weeks it can be a bit stressful on a whole it has been wonderful seeing my boy grow up. Its coming up 2 years since I've had a fulltime job.

Also sometimes I have done part time work for my fiancee's boss which has helped my sanity and I have been lucky enough to be able to take Alex with me. No chance of that happening now with #2 as well though.
Mum to Alex (11), Blaire (10) & Erika (8) and Damien (6)

Successful HWB VBA2Cs!
Soon to be surrogate
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Paws View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Paws Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 1:27pm
I'll be at home for the first year at least but if I can avoid going back I will. I figure things will be tight but we can learn to manage. And it will be worth it. I don't want others seeing my daughter walk or crawl or talk or anything of that other stuff before me.

We don't qualify for help because although we are in debt up to our eyeballs (or so it feels like!) B earns to much. He'll just keep doing over time everything other weekend if he can stand it to help boost the income.

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Kelpa View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Kelpa Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 3:37pm
I guess we can learn to manage too. I guess its a matter of eating baked beans on toast a couple of nights a week and not spending money on takeaways and clothes for me!!

I think I have got so accustomed to living very happily that I dont want to lose that.

I need to prioritise again~!!

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Kelpa View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Kelpa Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 3:39pm
I was actually thinking of going and seeing the Porse People or Plunket as I am qualified Childcare and Nanny so I could probably easily get two littlies to look after for a few hours a week at home. I think its tax free plus I would be home with BUBS!!



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Paws View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Paws Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 4:08pm
Just remember, Usually (because I know there are exceptions!) where there is a will there is a way!

We're also planning on reducing costs by dropping to one car...we're lucky B is close enough to ride to work.

I'd also like to pick up something I could do at home...

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AnnaD View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote AnnaD Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 4:14pm
We lived on one wage until about two months ago when I got a very part time job... It was tricky, sometimes there were unexpected bills but we always managed. We very rarely bought new clothes except for birthday presents. We didn't have takeaways but we don't really do that even now. I find being super anal about the shopping list and being organised as to what meals we are having helps!

I have foudn thata part time job is super for my sanity but then I amnot sure Iwas meant to stay at home long term anyway (although I spose the almost two years i did stay at home counts as long term?)

And Kelly, I don't think porse is tax free but still a FAB way for making extra cash. I looked into it a while ago and it looks like a good plan. Basically you set your own rate (realistic) and they help you advertise yourself and send you any referals from your area!! If you're in Auckland on the shore the woman from Porse, Alana is great!!
Anna and Quinn 10 July 2004
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and one more on the way....

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Kelpa View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Kelpa Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 4:40pm
Oh is it not? For some reason I thought I had heard someone mentioning sometime that they looked after a couple of littlies and got about $4.oo per child per hour tax free???

Will ask them when I see the lady.

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my2angels View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote my2angels Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 5:00pm
I was always really money conscious and hated the thought of going down to one wage but when I had Kobe unexpectedly early and the second income stopped I realised I just didnt care. Now I work part time, only 12 hours a week but its more for me to get out than anything. Im also lucky that hubby works afternoon shift which means he will be home to look after baby rather than her going to preschool with Kobe until I think she is old enough and I dont plan on working longer hours until the youngest is at school and even then it will be school hours. As someone said, where there is a will there is a way.
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mrs frantic View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote mrs frantic Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 5:06pm
I will have to go back to work (I am in the same situation as you Roksana - I earn more than hubby and we have a big mortgage and lots of debt - stupid us!) - but I will have to choose how I will go back to work...if I go back to my job I have now money will be fine, but it is full time and pretty full on and i dont know how I will cope with bubs...or I can work from home in a different business and earn maybe half of what I would have at my normal job, but I think (and i havent sat down and done the numbers so i cant be sure of this yet) but i think we will just scrape by if I do that...I am the same, it makes me feel terrible to admit it but I hate the idea of having to scrape by - but on the other hand I hate the idea of returning to work after 12 weeks too so I guess I will land up scraping by...tough decisions, but plenty of people have had it harder than us I am sure and they have made it work so...
Mrs Frantic
Baby Maddisyn born 28 Sept 2006
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AnnaD View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote AnnaD Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 5:06pm
There are lots of different companies that you can do it thru!! (well, three) Barnados, Jemmas or Porse. I phoned all of them to get the info. I had a look at them all and found that Porse was my fave. But never did it...

Anna and Quinn 10 July 2004
www.quinnariki.blogspot.com
and one more on the way....

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EthansMummy View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote EthansMummy Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 6:32pm
If you are in the Waikato there is Waikato Home Based Childcare they advertise on the Radio about earning up to $16 an hour. Barnardos is now Kidstart. I think the hourly rate is taxed.

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Ethan     29/08/2006
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AlyAyde View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote AlyAyde Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 6:40pm
I do think you adjust to your income. There are some months where we really struggle (like this month). The car just cost me $700 today . We buy alot of clothes from savemart and dont ever say no to hand me downs.


Jayde 25/12/04

Alyssa 08/04/03

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caitlynsmygirl View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote caitlynsmygirl Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 8:57pm
well i had no choice, im a single mum and i didnt want to be on the dpb all my life,so i went back part time when caitlyn was a few months and have been working full time for too long,i was lucky (really lucky) that my mum can look after her, shes a qualified nanny and takes caitlyn to playgroup, music and movement etc.
I have as of this week officially gone off the benefit (was still getting a bit as i didnt earn enuf to live just on my work wages) so yay! very proud of me

BUT i hate working fulltime...i feel like im missing out so much on caitlyn, next child my plan is a well off(ish) man and me and bubs hanging out all day!
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Kelpa View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Kelpa Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 9:28pm
Hey Kelly!
I take my hat of to you - its bloody hard being a single Mum. I was for 6 months last year while Mark had a mid-life crisis!!

It was odd I seemed to manage better on my own financially than with him!!! Not that he ever spends any money.But I did rely heavily on my Grandparents and probably would have ended up selling the house if it wasnt for them.
I could not stand being on the DPB - its sucked. i was happy to come off it and go and work 30 odd hours.


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Post Options Post Options   Thanks (0) Thanks(0)   Quote aimeejoy Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2006 at 9:42pm
I dont know how but we seem to be living pretty comfortably now on one wage. We had been students for 5 years then had Hannah so we are used to living on nothing! Big help is having a small mortgage, very minimal travel costs/petrol and really really strict supermarket shopping. I am doing a bit of work from home now for myself so having a little bit extra feels like such a luxury. I dont really want to go back to work cos I love being at home

One other thing to consider when you sit down to work it out is childcare costs - if I went to work fulltime again, with childcare and petrol it just wouldnt be worth it...
Aimee

Hannah 22/10/05
Greer 11/02/08
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Roksana View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Roksana Quote  Post ReplyReply Direct Link To This Post Posted: 11 May 2006 at 9:48am
I hate scraping by too......I dont mind it so much as my Aunt looks after Zaara and she is very happy with her, and I go home at lunch time to feed her. However she is going to a day care when she turns 1. I phoned around and there is one next to my work and home and they charge $185 for the week and provide nappies! Not too bad I think.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote emeldee Quote  Post ReplyReply Direct Link To This Post Posted: 11 May 2006 at 3:36pm
I'm lucky enough to stay at home - but WHOA is it tough. I was the highest wage earner in the house and it was hard going down just to hubbies income, however we figured that if he stopped working to look after the kiddoodles then he wouldn't be eligible for any pay increases and we would end up screwed later on if we decided to have another. Lucky we went that way, because what do you know, we are having another. We had looked at daycare costs and options in the neighbourhood and nothing was cost effective and right for us.
That being said, if we weren't just getting by financially I would have gone back to work - there are benefits either way.

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