Stay at home mom?? Long post.

Question

Hey everyone, 
I need an opinion? 
I currently have a 5 week old sweet baby boy! He’s my first and most likely my last baby. It kinda sounds like we won’t have more. Just expensive and afraid having more than one we won’t be able to give them a good life. 
I want to stay at home with him for a few years like my mother did with 3 kids. I don’t make a ton, $15/hour as a dental assistant, 34 hours a week. I live 30 min from work and any city to work in. We have a house. Not a rental. He has a truck, car, and crotch rocket. I have a Chevy Cobalt. I’m thinking of selling my car to pay off a bank loan of $$2,300.. which is ironically what my car is worth. He’ll probably sell his crotch rocket too since we’re struggling financially. I’m already on WIC to help with formula since I had many issues breastfeeding. My bills are: 
Student Loans $50/month 
VISA: minimum $25/ month 
That bank loan at $200/month 
Car insurance $80/month
And I need to renew my plates Monday for $75
And that’s it. All my other money has gone to gas, items prepping for the baby so I wouldn’t have to buy them now. I don’t have a phone bill since my dad is kind and has me on his plan. I’m not really driving since I’m home full time right now, I feel like my car and that bank loan is costing me the most. If I sell the car. My husband will be able to cover the remaining $75 in bills monthly. I could probably even make that doing something at home like selling clothes or starting a blog possibly. He has many bills too, but things from before we were even together, he just has a lot of things he’ll probably have to sell to catch up. I’m sure I’m not the only one in this financial boat. I just feel like I’ll cry every day going to work, still have sleepless nights, hate my job, go broke paying for bills, daycare, work stuff like scrubs, shoes, gas and insurance to go to work, lunches for work. Plus if I’m working again I’ll probably have to pay for about $200 in formula/month. I just am afraid I’ll work my butt off and lose my only child’s entire childhood for nothing but stress and crying.  What should I do?

Answer

Only suggestion is do not get involved in a pyramid scheme. Which is any of those companies that let you sell from home, but you also need to recruit more sales people (lularoe is top of mind but there ares tons of other ones). If the budget is tight getting involved in one of those would be a huge financial risk. Good luck!

Answer

Look into Dave Ramsey! He helped us pay off a ton of debt! You can buy his book called The Total Money Makeover, it completely changed our life! It’s hard work, but so worth it! I’m a stay at home mom too so it’s hard not to worry about finances!

Answer

There are also plenty of things you can do from home. I run my own face painting business as well as to Medical transcription (which pays rather well). Good luck mama I know the feeling all too well. I was fortunate and had my first two children in Canada where we get a year paid maternity leave here in the states some others are going back to work almost instantly and it breaks my heart!! I can't imagine leaving my little one so soon but we all do what we have to do to take care of our families 💪

Answer

You could possibly take care of a few other kids alongside your own from home! That way you'll be making money and spending time with your own kid!

Answer

My husband and I were struggling financially when we had our first. It was almost like my paycheck went entirely to childcare with very little left over to help with bills or anything (travel expenses, lunch, etc). I became a stay at home mom, but I started watching kids for other moms too. I figured moms needed a trustworthy babysitter who isn’t one adult to 12 kids, who doesn’t charge an arm and a leg and doesn’t close on silly holidays like Labor Day. I charged $125 a week and asked them to bring their child’s lunch and it worked pretty well. I always had at least one kid full time and one part time ($25 a day). At one point I had 4 kids, plus my one. I now have two kids but I want to go back to work soon. Being a stay at home mom is rewarding, and I absolutely loved being home. But it’s also isolating and depressing and sometimes very frustrating. I hope that it all works out for you!

Answer

It's hard to transition to a stay at home mom and down to one income. I recently quit working to stay home with my son and to help with my health during my pregnancy. Itll just take time for everything to balance out were still working on it and every week is getting a little easier. Just remember there are other resources to help. I know where u live we have a baby mobile where they give you diapers formula, and a few other items.

Answer

Atleast stay home for the first year . Me and my husband are struggling with him being the only one working but each month our bills are paid And my daughter literally has EVERYTHING she could ever need so we’re just sacrificing. Because within that first year your baby learns to crawl, walk, talk, eat , etc . Once she hits a year I’ll go back to working

Answer

Be serious with what you both spend and make sure you are budgeting within your means. If you can do it, I think it's well worth it. There are things you can do without. Or at least that's how I felt.

Answer

I ended up staying home! Its worth it and if worse comes to worse you can always find another job! I think its worth trying and honestly with how expensive daycare can be you may end up saving money!

Answer

I work part time Friday Saturday and Sunday as a nurse. Staying home is worth it to me. Plus daycare is ridiculously expensive. My husband doesn’t make a ton of money so I have to work some. I say keep the car - you will want to go places while your husband is out. Staying at home can get pretty isolating and boring so being able to go out helps! Get rid of cable and all the extra things.

Stay at home mom?? Long post.

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