Saturday, September 27, 2008

Ramble about financial options.

I haven't found any kids to babysit yet. It would be good to have 2 or 3 full time kids. I want to have a couple hundred dollars to ease up the budget some. So we can get extras once in awhile. H's pay checks pay our bills, and buys food. Sometimes we just barely make ends meet, but they always meet. Thank goodness. So if I can't find some kids soon, I guess I'll have to start looking for something I can do when H is home, something that won't cost much for transportation and that I won't have to spend much for work cloths. Data entry from home would be good, if I could find it. Something online that would allow flexibility? So far I haven't found anything to fit those conditions. I don't think we can afford daycare for The Boy, even part time. Well, if I found something that paid well enough to cover daycare, food at work, transportation, cloths and still let us have 2 or 3 hundred a month after all that, then it would be worth it for me to work outside the home. It's been suggested that we apply for food stamps, we probably qualify, but I'd rather not unless we absolutely have to, and right now we don't have to.

I don't have money to start an on-line business, advertisement and what not is out of our budget right now. I'm not sure that would be the best thing for me anyway.

We have decided that we want to get a house some day. H was impressed when we were looking at M's new house. (They were finishing up the moving in process about 2 weeks ago when we were there for M's birthday.) So, since our typical pay checks pay our bills and get some food, we decided to put at least half of every Tax return check in a savings account. If we can do it, and not dip into it during the year, we should be able to have a decent down payment in 6 to 9 years. We probably should save all of it, but with The Boy's birthday in February, and computer/camera/other electronic stuff we want to get, I don't think it's realistic for us to expect to save more than half. If I get some income myself, we might be able to save more money and be ready quicker than that. I'm not sure we can save anything to tell you the truth. There are always things we need or want to get, cloths or shoes for The Boy, bikes for all three of us, special foods, rented cars to go places with, helping pay for gas so my Mom can come visit, Holiday gifts, and birthday's. But we are going to give it a try.


Hennifer said...

I'm not sure I'm making any financial decisions towards house buying but I myself have really been looking at reevaluating my finances and working towards having some savings. I don't know if it is the time of year or the financial crisis on Wall Street or what.

Sorry to hear it didn't workout for childcare.

How is A doing with school?

I do agree however if you do qualify for food assistance that you should do it. if it enables you to have a little more savings and less stress then use what his taxes pay for you know? just my personal thoughts...

Miss you!

Messed up Mama said...

I miss you too!

A is doing very well so far in kindergarten. He loves school, and has managed to stay out of trouble. His problems right now are touching people when he isn't supposed to. It's always soft touches, which is good, but I guess he is touching people when he shouldn't be. And he talks out of turn, however the teacher says that almost everyone in the class has the same problem so it's more of a group effort to learn about raising hands and not talking in class.

I'm really going to try to save some money, it's really hard for me. I hope you are able to save the way you want to.

I don't know that we actually qualify for food stamps. I hate how they make you feel less than. Like some how you WANT to be there, even when you are doing everything you can to get away. I know we pay taxes, and H has worked and paid taxes for most of his adult life, and we will apply if it ever gets to the point where we have to decide between getting enough food to feed A or paying bills.