How do you afford it?!

Question

How do you afford to be a stay at home mom?! Or how do you even afford daycare?! My husband and I own our home and the mortgage is only like $850/ mo and the only debt we have is 2.5 years left on our car payment... We make the same income and I feel like it would be impossible to quit or pay for decent daycare and I'm seriously considering putting a hold on ttc. HELP! How do you do it?! Ps he is 30 and I'm 27...

Answer

I sometimes consider how lifestyle influences our need for 2 incomes. In the 50's, not everyone had TV's, one car, better economy, less clothes, less stuff, etc. I'm a working mom, but I seriously considered downgrading our lifestyle and going down to one inncome when my daughter was an infant. I am surprised how much less expensive kids can be than I originally thought. Garage sales...garage sLes....garage sales.... We make good money and I still love the bargains at garage sales and consignment shops! You don't have to buy into the all the trends and buy all the expensive furniture. Kids need love...if you guys are stable then don't worry, you can be great parents! Best of luck 💓

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I don't understand it either. My mortgage is $2600 a month,  there is no way.

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Im pretty much a stay at home mom now. I lost my job due to not having any sitters during the week when my son is sick... So now its only his income were using. Everyones situation is different. But for us in this econemy is rough...

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I stay at home with our son currently. He is almost e now. But up until about 4 months ago I worked full time also. We had help and he's never been in daycare. My mom always watched him for us. Now that I am staying home we manage. My husband makes enough to cover all the bills and we live a comfortable life. I just can't go shopping as much as I did before or buy my son tons of cool stuff that he just has to have lol. But we make it work. You'll figure it out as you go and decide what's best for your family. ♡

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You figure it out as you go. Do you have any family/friends that can be supportive with child care? My sister and I help each other a lot... I've been her primary child care person for 5 years and she has two kids. I've saved them BOAT loads. So now when I need a sitter they are more than happy to help. Honestly if I HAD to use daycare to work, I wouldn't. No sense in using one income to pay for child care and miss all that time with the kiddos. You could always take on a few kids if you wanted to stay home with yours... Work from home, it's not easy but it's worth it.

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Kids are expensive no matter what you make!

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My husband used to work for my dad and he runs the company now but needless to say he makes money but of course we still have to budget...nobody makes that much without spending it of course. No they are not millionaires or stock brokers just plain old construction workers....

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I love that I can be a stay at home mom. I've always wanted that for my kids. We don't have a lot of extra expenses though. No date nights lol but it's alright :)

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I am a stay at home mom, when I worked we never spent my checks only saved them so we saved a good amount for our emergency money. My kids are both in school so daycare is no issue...we are still on a tight budget but make it work so we can still be comfortable. Everyone is different with their money though

How do you afford it?!

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