NSAHM related: Need advice (RP)

ILoveBoys

Help! So I've waited the past 3 years for DH to graduate so I could go back to school. I have a bachelors degree that I don't use. I would have to go back for a masters degree before I could use my special ed degree (non teaching). I've decided to go back for nursing and am enrolled in classes for this semester, they actually started yesterday.

We are trying to pay down some debt, and we will incur some extra expenses soon. Higher gas bills bc of minnesota winter, daycare when I go to school, books/tuition for next semester and this one, brakes and tires on DHs car, starting to pay back his student loans in Nov. To name a few. I can still drop my classes for this semester and get a full refund. I can probably return my books-I bought 2 online and 1 in the bookstore. Tuition was $1500 plus around 2-300 for books. I can't go into/apply for a program until 2 yrs from now anyway. Would you drop the classes, save the money, and start back later? If I start later also Ds2 would not go to daycare, just DS1 to the preschool part. Thanks!

c.sholun

It really depends, will you really be struggling without the $$ you put in for classes/books?Will you still be willing and want to go back later on?Does LO going to daycare make a big difference to you, emotionally/financially?If getting the money back will really help you in the long run then wait, but if it won't make much of a difference go now, its all about whats best for you and your family.

ariel06

Is the class you are taking nursing related?  If it is, I would take it so you can find out if you want to continue that route.  Check into any financial aid. 

jen5-03

Will you resent putting it off any longer?

I'm not sure what you mean that you can't get into a program until 2 years from now since it sounds like you are starting a program right now? Do you mean that you'd be going for a master's degree instead of a nursing degree? If so, is that what you'd rather do?

If you do want to do nursing, I would go now. It's less than 2k which isn't much in the grand scheme of things.

And random sidenote - do gas companies not offer "balanced billing" programs? For our electric they average our usage over 12mo and we pay the same amount year round rather than have to pay $$$$ in the summers and almost nothing in the winter. It's nice because there's no sudden change in our cashflow.

 

ILoveBoys

jen5/03:

Will you resent putting it off any longer?

I'm not sure what you mean that you can't get into a program until 2 years from now since it sounds like you are starting a program right now? Do you mean that you'd be going for a master's degree instead of a nursing degree? If so, is that what you'd rather do?

If you do want to do nursing, I would go now. It's less than 2k which isn't much in the grand scheme of things.

And random sidenote - do gas companies not offer "balanced billing" programs? For our electric they average our usage over 12mo and we pay the same amount year round rather than have to pay $$$$ in the summers and almost nothing in the winter. It's nice because there's no sudden change in our cashflow.

 

 

I'm not starting a program right now. I'm taking prereqs for the accelerated option, bc I already have a bachelors degree in special education. And yes, we did budget billing for our gas in kentucky, but we have only been in this house for 3 months and they can't do that for us now.