We can't live on my husband's salary...?

Question

We don't have any debt, but we don't have a lot in savings. I'm going to have a baby in a month, so I certainly can't get a job right now. Even if I had someone to keep my toddler, no one would hire me, not for enough money to cover daycare for two and have money left over.

I'm so depressed. My husband loves his job, but they thought they'd have lots of overtime for him. It didn't work out that way. I do NOT want to go into credit card debt.

I don't expect anyone to have answers for me, I just wanted to send my troubles out into the universe, in hopes it would be theraputic to write it down. Thanks.

I just wanted to say thank you to everyone with your positive ideas and suggestions. I sincerely appreciate it. God bless!

Answer 1

I am truly sorry for your situation, especially considering that you're about to be bombarded with work-at-home offers. Don't fall for them. If you want to supplement your income with a legitimate work-at-home job, check out www.wahm.com. It's a one-stop shopping site for work at home opportunities, ideas, blogs, etc.

Don't let your financial situation get in the way of the joy of your pregnancy and your new child. The stress is not only bad for you and your baby, it won't help your toddler or your husband either. It's very easy to get stressed and start to take out your frustrations on whoever is available, and that often means the ones we love the most. Try to focus on the positives, put your trust in God that He will help you through this, and continue to give your family the love and support they need.

And don't be afraid to vent once in a while. This is a very healthy place to do just that, or make time to get together with some good friends who will listen to you without judgment, and without the expectation that they need to find solutions to your problems for you.

God bless you, and hang in there!

Answer 2

Whoever said an E2 can't live on post has no idea what they are talking about. There isn't a rank restriction. If there is space available in onpost housing, you will live there. If not, he will receive BAH and you can live off post. The army has programs at Army Community Service to teach you how to budget your money properly. Make sure you put some into savings in case of an emergency. As long as he is a good soldier, he will make rank fast so you will have more money.

Answer 3

You can use this whenever you want to "send your troubles out into the universe." Hopefully, there will always be people to help you.

Where I live there are free sites, public bulletin boards and Yahoo Freecycle Cafe, try Craigslist (in your area) where I list my Offer to babysit since you'll be babysitting in your home anyhow :D

I charge $10.00 per hour for 1-3 chidren and I have more work than I can accept. Depending upon where you live, you may need to charge less.

Will Babysit in my Home (Ad)
Mature Female Adult will Babysit your Child(ren) in my home (include the hours). Put this on typing paper where you cut fringes at the bottom of the paper with your e-mail address or Phone Number on each fringe so several people can rip one off. Also, I highly recommend the Internet. There is www.babysitters.com and other babysitting sites. Do a Google Search for "babysitting sites."

The Main Purpose of Life is to Help one another get through it.

Answer 4

I don't blame you for NOT wanting to go into credit card debt. Have you tried selling things on ebay? Sell old clothes, items, etc that you do not use anymore or have out grown. This could make a great source of secondary income. Although it may not be much (depends on what you sell) it's atleast something.

I would also suggest the website http://www.pcworkathome.net It lists legitimate "work at home" companies. This is a great source that I think you should atleast browse.

Answer 5

Well , this may not be an answer, but when we need extra money the first thing we do is cut out News Papers , drop Tv to basic, And plan cheaper meal. There are a lot of things that people have that aren't used , and they can be sold in a yard sale. It's a priorty thing. Sit down and figure out what they are.

Answer 6

Here's one not listed yet....work on different shifts. It is hard, but lets you have 2 incomes coming in while no daycare necessary. Only issue is you pass each other in the night so to speak. Not much together time. Hopefully that will get you back on your feet. I've known a few couples who work it this way.

Answer 7

He can get a second job and you can babysit while babysitting your own. You can do it under the table while you are applying for your baby sitting license. And while your license is still on its way, you can write a contract on how you will babysit for others just like what you will do when you have your license on the wall already. Get the parent sign an agreement. The license is for legality of your job and for the tax purposes too. The contract is for your safety.

Answer 8

You have got to change your attitudes about the future. You can make this work. You are going to have a new Baby!!!!

Work on your budget to cut unnecessary things. Really look hard. A new baby is not going to RUIN your financial life.
Sit down and make some tough decisions about how you are going to make cuts. Life will get better in the future- it has a lot to do about your attitude on that outlook.

Answer 9

You can also call local data processing places and see if they have a job where you can work at home. I know a place here where I live that will hire you to fill out info on your computer and it is a legit job not one of those scams where you have to pay to get info.

Answer 10

My advise is to have your baby first then in about 3 months you can do some babysitting at home and take care of other kids plus your own so you can make some money.