I spent hours pouring over our budget trying to find ways to make it work for me to stay home.  I was almost there! Then I had to look at the health insurance provided by my husband's employer. 

  literally twice the cost for less coverage.
My husband and I were very flippant with money (credit) before we were married and for the first year of marriage.  We have spent the past four trying to fix it and are finally making some headway, but not enough that we can afford to lose my income.
We could afford for me to work only three days a week but if I drop below four the insurance costs skyrocket and I might as well quit.  In reality, I would probably prefer to work two or three days a week to staying home full time, because I feel a lot of value in my profession (not saying I don't value SAHMs, but I worked my a$$ off to get where I am.)
I'm just frustrated.  Anyone else not able to SAH or WOH or whatevere they would prefer to do?                
 
                
Re: Wishing I can be a SAHM (not possible)
My husband is worried about me going back because we had a few issues with fighting last year (mostly from 2 EBD kids whose disorders were not devulged to us) and I did get punched (not very hard and the child was mortified about hitting me and not the child he had intended to) but because of the nearly constant fighting the 2 students were transferred to our sister school that is more equipped to handle their EBD outbursts. After reading over all of the files for my students this year, I think they will be much more calm (hopefully).
I am very fortunate to have complete support from my director and the teacher I work side by side with about possibly staying at home and moving down to substituting, but untill my husband's new business with his step dad starts generating a constant paycheck and I can come on as an HR manager, it won't be possible. It's heartbreaking because I'd really like to stay home at least until my daughter starts school, but right now, it's not looking promising.
A lot of teachers on here! I am also a teacher and work supply. My hubby works shift so I pick up days when he is home (not a lot for a significant income but just to keep me in with my board). I did not make enough to justify going to work... A couple hundred dollars a month extra in my bank account was not worth it to me so we make it work. We have to watch what we spend for sure but I consider myself fortunate to be able to stay home till all my kids are in school full time.
I wish every mom had the ability to do what was best for them and their family. Whether it's work, stay home or work part time. Good luck!
I'm in a weird position in that I'm currently a SAHW, but not really by choice. I was in a miserable job when I had a very serious accident last year, which required several months of recuperation. My employer was furious at my being gone, and long story short, managed to edge me out of my job. I thought it was NBD, as I am very experienced and good at what I do, and I'd have a new job soon. Then I unexpectedly got pregnant, and hyperemesis hit hardcore. There is no way at all that I could work between my HG and bedrest. Besides, who's going to hire someone who's 20 weeks pregnant? So now we have the stress of being on one income unexpectedly, and it sucks. But we're hanging in there, and I'll probably get a job when the baby is 4-6 months old, I think. We'll see.
DS #1 - born 11.6.08
DS #2 - born 2.10.12
BFP 7.9.13 / Due 3.8.14 / MMC Dx 8.5.13, D&C 8.9.13
DD - born 12.25.14
A kiss he will never forget- Disney World 2014
Now this is just my personal experience, but working in the OR offers us the ability to have countless one on one personal relationships with several other people. I mean come on, we stand close enough to the same people day after day that we literally breathe each others air. I stayed home 18 months after my daughter was born and as much as I love her, it drives me bat shit crazy. I had no idea how much I relied on adult conversations to keep my sanity. Physically, being a SAHM was the easiest thing I've ever done, but mentally and emotionally is was the hardest.
A kiss he will never forget- Disney World 2014
I work outside the home, and probably 80% of the time, I'm glad I do. There are times when I miss DS or work sucks, and I feel like I would prefer staying home. But then there are times when I enjoy working. Hugs to all the moms who can't do what you want.
A kiss he will never forget- Disney World 2014
I am not against family watching the kids exactly but they seem to think that they get to have more leeway with our decisions on how to raise the kids. Not a chance. Also it would be significantly more work to balance schedules, shifting care based on the day and family member.
I could stay home and probably won't take the option off the board until after I have gone back to work. I really don't have a great feel for what the right balance will be yet. However, my intuition tells me I am not stay at home mom material. So instead I am starting to evaluate what my needs at work are now and what they will be later. I am articulating my limitations at the office and resetting the expectations.
We could do preschool, but chose not to mainly for the cost. The hours of preschool isn't nearly as long and they are going their to learn socialization and educational things not life skills like a daycare. We do group playdates with similar ages of kids. (some educational some just for social interaction) My oldest knew her alphabet, numbers just past 100, how to sound out basic words, cut, and write anything you told her before going into kinder. My son at 4y can read at the 1st grade level, add numbers up to 12, subtract numbers up to 10, as well as everything my oldest knew. The preschools around here refuse to teach past the required entry level the public kinder program. I didn't want to hold my kids back. (They are very social too with children their age not just book worms.)
We were lucky in getting tons of hand-me-down in clothes and other baby gear. I would not have traded the first few years of struggle. I started my own company as a hobby, but now it pays for all of my kids extra activities so they aren't missing out on anything. If you want to be a SAHM it can be done. It's up to you to be willing to make more sacrifices.
There are more options for being able to stay at home. Find a new job that lets you stay at home. Join a direct sales company. Pick a hobby fixing things for people or creating something you can sell. If you really want it to be a SAHM there are ways.
We are going to have to cut back majorly to be able to afford to send DD2 to childcare if I go back to work, so it is definitely worth trying to make additional cuts to allow me to stay home. And I don't want to stay home forever. Just until DD2 turns 2 and can start at the preschool DD1 is at now (she'll be in Kindergarten by that point). We have a couple years worth of savings so its not like we have nothing, but we might have a lot less if I stay home for two years!
It is a hard decision for sure. I wish every mom could have to perfect scenario, whether that is staying home or working!
There are more options for being able to stay at home. Find a new job that lets you stay at home. Join a direct sales company. Pick a hobby fixing things for people or creating something you can sell. If you really want it to be a SAHM there are ways.
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I bet they would even let your son play with dolls! The horror!!! 1!!

<p align="center"Love it!! And yes I agree on the whole direct sales thing. I "sell" Mary Kay and I put that in quotes because I have actually probably lost money doing it. Only a very tiny percentage of people actually make a living off of direct sales and those people treat it like a full-time job.
As for the direct sales: To build a customer base, go to playgrounds, stores, just out in public. I know many who are doing avon, scentsy, 31, and other direct sales so they can stay at home. There's also fb and other social media to build your customer base.