M
momma2015
Guest
I cook all our meals from scratch, even make my own bread. We eat meat sparingly, don’t drink soda or alcohol, and take leftovers to work for lunch. We don’t eat out. We shop at thrift stores, don’t have cable, we get huge discounts on our cell phone bill because of my job, I shop sales and use coupons. We use cloth diapers when we are at home and on the weekends (she wears disposables at the sitter and at night) and we have one car that’s paid off. None of that saves us enough money that we could afford to have one of us quit our jobs and stay home.
Our big expenses are my husband’s student loans, rent, and health insurance. We get health insurance through my job and it costs us $600 a month. If I quit my job and we started getting our health insurance through my husband’s job it would cost us $500 a month. So we would lose my income and my husband’s would take a huge cut. Child care doesn’t cost us very much, the woman who babysits our daughter is a stay at home mom who watches a few extra children during the day and the cost is really very reasonable, it’s only a very small fraction of our income.
We live in a state that has a fairly low cost of living. But wages are low too and they just don’t keep up with cost of living increases. I haven’t had a raise in 5 years. My husband gets small raises once a year. But it’s still hard to make ends meet.
Our big expenses are my husband’s student loans, rent, and health insurance. We get health insurance through my job and it costs us $600 a month. If I quit my job and we started getting our health insurance through my husband’s job it would cost us $500 a month. So we would lose my income and my husband’s would take a huge cut. Child care doesn’t cost us very much, the woman who babysits our daughter is a stay at home mom who watches a few extra children during the day and the cost is really very reasonable, it’s only a very small fraction of our income.
We live in a state that has a fairly low cost of living. But wages are low too and they just don’t keep up with cost of living increases. I haven’t had a raise in 5 years. My husband gets small raises once a year. But it’s still hard to make ends meet.