Posted in momlife

Finding Financial Independence

Whenever somebody asks how I’m doing these days I always give them the classic-
“…Just living the dream” answer. Of course we all know that saying is complete bullshit. Do you really want to know how I’m doing Brenda? I’m tired, my back hurts, my children are animals, I am drowning in debt/laundry and I’m broker than all get out. 

Our family is a single income household. My husband is the sole provider for our family. I am merely the dependa. (If you’re unaware of this title, google is your friend.) Is our family dynamic by choice? Kind of…..but also kind of not. There are many reasons why I don’t, or am unable, to work. Excuses, excuses, excuses! I know, just save your judgements for the end of the blog, ok?

Any of my working parents out there can attest to the outrageous price of childcare. Now before I discuss this further, just know that this isn’t a slam against daycare providers, at all. It’s all about the numbers, baby. They need to pay staff, pay rent, insurance, supplies. I get it. 100%. However, for two children, good affordable childcare is out of reach. If I get a full time job, my paycheck would basically pay for childcare with no room for much else. 

There are definitely some income eligible options out there.  Our town has a great Head-start program for those who meet the qualifications. The wait list is long, however, and often unobtainable. For the first time ever, I was told my family makes too much money to qualify. Let’s all laugh about that together. Now… I’m not blind, I know that there are many families out there that are in worse financial situations than myself. They should get help before me, I know that. But, a lot of families out there find themselves in the same situation as me… too broke for private daycares, yet too “rich” for federally funded free daycare. My only way out, is to find a job that pays more than the cost of daycare. In a small town, that can be hard to come by. There is still the difficult conundrum much like the chicken and the egg. Which do you get first? The job or the daycare? You either scrape the money together to cover daycare until you find a job, or you get a job and have to scrounge up babysitters until you can get into daycare. 

Moving on. If you’ve read my past blogs or know me personally, then you are already aware that I have children who require therapy. My oldest is now in school, so his therapies are during school hours (for the most part.) My youngest, however, does speech once a week. I would like to get her into ABA (applied behavior analysis) therapy. BUTTTTTT, if you’re unfamiliar with that- it is a very intensive, time-consuming in-home therapy. So, do I sacrifice having a career, financial independence, and a life outside of my children by helping her develop, grow, and learn in an in-home therapy that could ultimately help her the most. Or do I put my financial situation first, and hope that a daycare environment will be enough to teach her all the things she needs to learn? 

I have so much hesitation and “rock and a hard place” decisions to work through when it comes to me working. I am constantly stuck between putting my children first, and needing to help my husband support this family. Don’t get me wrong, the military pay is decent. For a family of four, though, it just aint cutting it. My husband does not get the credit he deserves for how hard he works and financially supporting his wife and two children. I want to have the chance to get out there and take some of the weight off his shoulders.

Before I got married I worked and supported myself. Ok… I mean fine, I was on my parents cell phone plan longer than I probably should have and my dad paid my car insurance basically until I got married. BUT YOU GET THE PICTURE. At one point in my earlier days I was working two jobs and going to college… LIKE A BOSS. Yet, here I am, 10 years later, relying on someone else to pay my bills and give me lunch money. I am 30. Years. Old. It is time for me to get out there and regain my independence. Financially, emotionally, physically. My depression and anxiety constantly tell me, “but if you get your independence, you’re a shit mom for throwing your kids needs on the back burner.” I know this isn’t true, that’s the dark beauty of depression folks. On the flip side, when I tell myself I’m doing the right thing by staying home with my kids and working on getting them the help that they need, that dark beauty comes back and says, “Nah girl, you’re a piece of crap because you’re broke and have nothing in your life for yourself. You need to start making money for yourself!” This inner voice contradicts everything I try to do. No matter which decision I make, my depression always tells me that I’m wrong. It is a constant battle that I have with myself. 

I try different things to balance it all out. I became a consultant for Usborne Books & More. I work from home, throw parties online where people buy the children’s books (which I honestly love, and that is NO LIE, these books are adorable.) Some women make a full time living off of it. It helps me, but does not cover true expenses, for me it’s more play money.  I’ve done a lot of surveys online with Swagbucks. Again, just play money. I most recently got approved to start doing closed captioning work online. This I’m sure will be, again, play money. None of these at- home solutions have turned out to be a long term fix. 

It’s time to break through my inner voice and finally do something. I KNOW I will not be a bad mom for working out a daycare/job situation and start putting myself first. I KNOW that I am not a loser for not working. I need to stop letting myself feel guilty for these decisions I need to make, not only for myself, but my husband and my children. No matter which solution I pick, I know that it will be what is right for our family.

Author:

29. Stay at home mom. funny, sarcastic, sympathetic, and a lover of memes.

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