I am a SAHM of a one year old. I have read a lot of articles which suggest that most SAHP do not purchase life insurance or keep skills current in the event that they must return to the workforce. These articles are written with the intent to scare ppl away from the idea of raising their own children but they obviously have a good point. I feel they are wrong in assuming ppl do not prepare, do disaster planning in order to stay at home safely, have you?
2007-12-04 01:12:06 · 11 answers · asked by Anonymous in Pregnancy & Parenting ➔ Parenting
do you take online or off line courses to stay current?
2007-12-04 01:19:57 · update #1
I have been home with my kids for the last 14 years. I realize that is longer than most, but I've been lucky enough not to need the income, so I've been able to do a lot of volunteering at my kids' schools. We do have a large insurance policy, because my skills have become outdated. I have recently started looking for a part-time job, and it hasn't been easy. Most of the computer programs that are used today didn't even exist when I was last working. Plus, the huge gap in my employment history isn't seen as a positive thing! I recently started subbing for our school district, which gives me the flexibility I want, but would not pay the bills, if my husband wasn't around, so the insurance is a must. Even knowing how hard it is to find a job now, I wouldn't change having stayed home with my kids.
2007-12-04 04:14:56 · answer #1 · answered by Tiss 6 · 0⤊ 0⤋
I am a SAHM of an almost 1 year old and almost 4 year old girls... I want to work, and I had a job when we got married (Oct 2005), but after paying daycare I wasn't turning a profit from working after gas money too, so we thought it would be best that I stayed home. 4 months later I got pregnant with #2 and I have been home all this time. Once my youngest goes to school (3 years from now) I am going to go back to work. School is free, daycare price is outrageous and plus I do not trust people. I am more afraid of trying to get a job after not working for 5 years. If anything ever happened to my husband we are in the Army so I would be taken care of - and if anything ever happened to me, then I guess the kids would go to daycare while he was at work. I prefer not to think about something bad happening, but it is a possibility always.... maybe we should take out some life insurance on me!!
EDIT: If we ever divorced I would be taken care of as well because I would only divorce him if he cheats on me and adultery is a crime in the military so he would go to jail and me and the girls would be very well taken care of, not including we would get everything.
2007-12-04 01:35:00 · answer #2 · answered by Janessa 4 · 0⤊ 0⤋
When our boys were born, my husband and I agreed that I would stay home to raise them. We felt it was important for them to be raised by their own parent, and my husband makes more money than I do. So we have had to make sacrifices but our boys have had a mom around their whole loves.
I have a life insurance policy which would have been used to hire childcare and housekeeping help if I had died before my boys were grown. Now that they are teens it will be used to help finance their college educations. If my husband and I were to split up, I would get some type of clerical job, I have kept up my skills to a certain extent. If my husband were to die we would be very well off, as he has a great deal of life insurance and benefits from work. Our house is paid for and the boys' education is partially paid for.
I still think it's important for parents to stay home with their kids if possible, though not everyone can do that. Having said that, though, if I had it to do over again, I would have gone back to work once the boys were in school full time because I think I waited too long and am now having trouble adjusting to working, as are they to having a mom who works.
I think you should do what you feel is right for you and your family. Don't let anyone else scare you off. Best wishes!
2007-12-04 01:32:31 · answer #3 · answered by mom of 2 6 · 0⤊ 0⤋
If my husband died or we divorced, money wouldn't really be an issue.
We have a very good life insurance policy but besides that, I have money,it's sitting in it's own little bank account...I hope to never use it, because it will be divided between my girls so they have something to fall back on if needed threw their life and hopfully, their kids lives.
They will never have to depend on a man to take/help take care of them.
2007-12-04 01:58:21 · answer #4 · answered by Ozark Butterfly 5 · 0⤊ 0⤋
I am a SAHM of four and we've taken out a considerable life insurance policy....it is definately a must!
I also have marketable job skills as well.
2007-12-04 01:18:47 · answer #5 · answered by Nashgirl4 3 · 0⤊ 0⤋
My husband has life insurance on him, but we don't have one on me. So, if he dies, I will be ok. I plan on going back to school when both my kids are in school full time, so when they are older I can work as a teacher while they are in school. So, yeah we do have a plan, but you never know what life will bring!
2007-12-04 01:29:43 · answer #6 · answered by Amy G 3 · 0⤊ 0⤋
well, my husband and i own our own business, in the event of a divorce, he would have to buy me out, also, since ive stayed at home for 6yrs, and we've been married for 9, he would have to let me remain in the house till children are of age, unless they go to college, he would have to pay child support and i would get the house until children are out of school. + alimony, but if i get a job alimony would be cancelled....frankly...i'd rather have the job if both my kids are at school. as for death..... we own our own business, god forbid he dies...i would still be able to run it.
2007-12-04 03:12:00 · answer #7 · answered by Anonymous · 0⤊ 0⤋
i have lost a husband, i am now re married but my husband who passed kept a life insurance and that made our life a lot easier, he was thinking ahead for us, thank goodness
2007-12-04 01:26:21 · answer #8 · answered by melissa s 6 · 0⤊ 0⤋
We have a great life insurance policy. I wouldn't have to worry.
2007-12-04 01:27:36 · answer #9 · answered by Stuck in the middle of nowhere 7 · 0⤊ 0⤋
well we have insurance and i would go back to work. my work skills are current i use them every day caring for my child.
2007-12-04 01:28:27 · answer #10 · answered by kleighs mommy 7 · 0⤊ 0⤋