Choosing To Be A Stay-at-Home Mom Living on One Income
1. Were you at home before you had kids? Or did you only decide to stay home once you had babies?
I did work, but I knew that once I had my first child I would quit and stay home to
raise my child.
2. How do you manage to feed a family of 5 on one income? That's hectic!
It's really not that bad if you are willing to give up other things. We don't go
out to eat (fast food here and there), we have one vehicle (and a motorcycle),
we don't buy a bunch of things (no iphone, no flat screen T.V., no cable, no laptop, etc.) and
we budget. Our grocery bill is usually around $200-250/month.
3. My husband is planning to study part time, possibly full time, for about 7 years... How do you think we could manage since we want kids in that time?
Start living on one income now - save everything you make from your job. Get frugal.
Budget. Pray. Make staying at home your only option - seriously. When I got
pregnant, I was working for a non-profit making beans and my hubby was still in
school and working at a hot dog shop! If you want to be a full-time mommy and you
have limited finances, you have to be ridiculously committed, but it is worth every
"sacrifice" in the world.
4. How do you cut on your grocery budget?
Snacks are the first to go. I don't make very many exciting meals, and we don't eat
a lot of red meat. We pretty much stick to the basics! It makes for a great diet
5. Do you guys have life insurance or pension? And what about savings?
We do have life insurance and a pension plan. My husband works for a School District
so we have excellent benefits. We do save - we follow Dave Ramsey's principles on
saving and it has worked very well for us.
6. I don't know how the cost of living compares in the US with South Africa, but its quite expensive here. For example, renting a small one bedroom flat costs R3000 which I think is about $300. I suppose its pretty much normal... But where does one cut costs?
You have to be willing to sacrifice "luxuries." Start with what you absolutely
need, and work up from there.
7. How do you manage with one car with kids? We have one car, which isn't an issue because I take the bus to work. But if we had kids it would be tougher. How do you manage?
My husband has a motorcycle, so that helps, but in the winter I either have to drive
him to work or stay home. On the days we stay home I try and plan for friends to
come visit, or we do other fun things.
Thank you for the awesome questions! I truly believe that you will never regret
staying home and raising up your sweeties for the Lord. :)
"Good point!" comment alert!
Robin: "Two questions: Is it easy to stay at home on one income? Is it easy to work outside the home with children? I have done both, so I know the answer to both. No. Which one would I die trying to accomplish? The first."
Amy: "So many people talk about the sacrifice that it takes to stay at home but I would like to mention the huge sacrifice that it takes to work outside the home. The sacrifice on our children's lives."
Anne: "If you have to work, let the Lord redeem it!"
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