Topic : Living on One Income

Im a mother of two kids 8 year girl and 12 year old boy and a wonderful gift of a baby boy on the way thats a blessing. due this coming March. 

Im frustrated that there are NO jobs and i mean nooo jobs in Iowa where I live that will not hirer me due to there so called standards. Which im told more like Discrimination than anything. 

I get interviews and they say 'Oh I'd love to hirer you right now you have everything we are looking for and you could start right away .....but.. im sorry we just can't work around the school hours for your kids. we have set hours only.' What abunch of blank. I havent had a job in like can't really remember when,   a few years.  

A few years ago my hubby thought its be a good ideal to take a home cource in Medical Claims Billing and therefor I did and I passed and have my Diplomia. my finail grade was 96%. They (At-Home-Profession Located in Dever Co) told me i could work at home for a local company working on Medical Claims Billing if i have Internet. Well Dsl is not out in the country. not one Medical Claims Company will hirer me even though i have proof and training they closed there doors and beside no company is going to trust any person to work on medical claims at home. So we was burnt out of $3,000.00 for something that was faulty. ( i have dail up if lucky ) 

Back in the 98 I had paid $30. to get a listing of work at home companys. Well it came and it was just a book called The Complete Guide To Home Based Employment . all it was is a book with home jobs and only gave half the information and alot of P.O. box for the companys address. and if you was interested in one ya had to send a letter for additional information to get started and send a self address. or to get free informtion. I tryed one for beeded earring i made the five they wanted send it back and they got rejected cuz they didnt meet there SO called Standards.  

There's got to be Some kind of company  where I can work at home making some type of crafts and using the u p s for shipping (u p s passes my house everyday on the gravel road) 

Ive looked online for them and I also see that not one of them is Redistared with the BBB therefor every one is faulty. 

I have great anger building inside cuz i want to help my hubby with the bills and everything else. My hubby is stressed out due to working two Jobs. Even though he'll say otherwise. where now he has a Skin rash caused by stressed, (is what the doc said) His first job is sales and works from 7am until 5pm the comes home eats dinner quickly, Then poof  he's off  to his part time job at an auto store for another 4-5 hours at night. He says hes not burnt out but I can see he is. The part time job is maybe a few nights and mostly every weekend. 

He told my father that he would rather work two jobs instead of having me go to work. I think that is very loving and carring,  

Is there really a thing called Work at home jobs. ?  To make money or something? Or is that just a saying as in work at home mother who cleans the house and cooks. Yippy.  

Please Let me know I would really like to hear from others about this. 

I just got a job that is contract, on-call, part-time basis.  It is a start for me and there may be a good opportunity for me in the near future with this company. 

I am used to getting a regular paycheck every two weeks, and I would have automatic transfer on payday to pay my bills and some of my money went to savings account. 

Now, my income is not regular.  Does anybody have any suggestions on how I can keep all my finances together? 

I live in Ontario Canada. About 40 minutes west of Toronto in a city called Oshawa. 

I recently graduated from College in July of 2005. I was expecting my second child at the time, and he has since been born, and is a happy healthy 3 month old. 

I am dying to go back to work.  My husband tells me to take my time, that there is no rush, and that we can live on his income.  He works for a prominent cable company, and makes approx. 40-50,000 per year before taxes. After taxes, his take home pay is rougly 1000-1500 every 2 weeks.  We live in a nicely sized two bedroom apartment, which we pay $980.00 per month for. We own one vehicle which is paid for in cash, (a 97 Pontiac Transport Minivan) and he has a vehicle that his company supplies for work purposes, but he can only drive it while he is working. I have one child from a previous relationship who is almost 4 years old. His father doesnt pay child support.  There is an order in place for deductions from his pay, but he works for cash and doesnt do his taxes.  The government can't get any of his financial information, and so I go without, until he is paid on the books.  Meanwhile the amount is steadily accumulating month by month, and at this point he owes me over $5000.  I still have to let him see my son, because he has a police enforced visitation order. (he claimed I was holding our son in exchange for child support - which i was, because why should he not pay but still get to see him?) 

Anyways, with the new baby, our insurance payment, bankruptcy payment (husband was married previously with a lot of debts) all of our bills, rent, gas, formula, diapers, etc.  we have little extra money after each paycheck.  We basically live paycheck to paycheck. 

I would love to contribute to the family financially, but daycare is really expensive for an infant, and my older child doesnt start junior kindergarten until september, and after daycare, travel, clothing, etc. its just not worth the time out of the house. 

On top of that I would still have to come home after working all day and do all of the things which i normally do around here anyways...... It wouldn't stop!! I would be up 24 hours a day with no time for myself or my children, and my husband. 

What should I do? Anyone else in a similar situation? 

I live in Ontario Canada. About 40 minutes west of Toronto in a city called Oshawa. 

I recently graduated from College in July of 2005. I was expecting my second child at the time, and he has since been born, and is a happy healthy 3 month old. 

I am dying to go back to work.  My husband tells me to take my time, that there is no rush, and that we can live on his income.  He works for a prominent cable company, and makes approx. 40-50,000 per year before taxes. After taxes, his take home pay is rougly 1000-1500 every 2 weeks.  We live in a nicely sized two bedroom apartment, which we pay $980.00 per month for. We own one vehicle which is paid for in cash, (a 97 Pontiac Transport Minivan) and he has a vehicle that his company supplies for work purposes, but he can only drive it while he is working. I have one child from a previous relationship who is almost 4 years old. His father doesnt pay child support.  There is an order in place for deductions from his pay, but he works for cash and doesnt do his taxes.  The government can't get any of his financial information, and so I go without, until he is paid on the books.  Meanwhile the amount is steadily accumulating month by month, and at this point he owes me over $5000.  I still have to let him see my son, because he has a police enforced visitation order. (he claimed I was holding our son in exchange for child support - which i was, because why should he not pay but still get to see him?) 

Anyways, with the new baby, our insurance payment, bankruptcy payment (husband was married previously with a lot of debts) all of our bills, rent, gas, formula, diapers, etc.  we have little extra money after each paycheck.  We basically live paycheck to paycheck. 

I would love to contribute to the family financially, but daycare is really expensive for an infant, and my older child doesnt start junior kindergarten until september, and after daycare, travel, clothing, etc. its just not worth the time out of the house. 

On top of that I would still have to come home after working all day and do all of the things which i normally do around here anyways...... It wouldn't stop!! I would be up 24 hours a day with no time for myself or my children, and my husband. 

What should I do? Anyone else in a similar situation? 

You graduated from College in July 2005 - good for you!, What kind of degree did you get?     If you want to contribute & make extra money, etc.  Why not babysit in your home?  You can take in a couple of extra children and babysit them - that will earn some money...  I know that infant care is expensive - i used to work in a daycare centre where we had infant care.  The ratio for infant care is 1-3 which is why it is so costly.  Any way there is that suggestion.  Or maybe hire a sitter for a few days a week to watch your child and get a part time position.      How about maybe takingon an evening or weekend part time position?   

By the way, Oshawa is East of Toronto.    I live in Oakville, which is West of Oakville.   

Cheers & have a nice day & good luck.