Babies: 6 - 9 Months

SAHM vs. 3-piece suits

DH and I are at a crossroads. Which would you choose:

A) Bring in the big bucks as a dual-income, living 12+ hours away from ALL of LO's family, or

B) Stay a SAHM but living on one (modest) paycheck?

 

What are you now, and what would you choose if you had the choice??

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Re: SAHM vs. 3-piece suits

  • I have that choice, and I choose B. I feel like I will have time to make money when my children are older. I'll never get DS's babyhood back.
    imageimage
    BFP # 1- DS ~ TTC #2 since Jan. 2012 - BFP # 2 - "Baby Elsie" - Blighted Ovum - D&C August 22, 2012 at 7w3d, BFP # 3 - CP - December 30, 2012, BFP # 4 - CP - March 19, 2013 ~ First RE Appt. 4/24/13 Med cycle #1: 50mg Clomid and Trigger shot = BFN. Med. Cycle #2: 6 cysts found. No meds/rest cycle. Trying on our own = BFP # 5! Beta #1 = 77, Beta #2 = 129 Beta #3 = 94 - CP - July 2, 2013. BFP # 6! Beta#1 = 21, Beta#2 =58 Beta#3 = 134. U/S shows heartbeat of 142 at 7w2d!
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  • I am a SAHM and we live far away. We are happy, that's what matters in the end for us, but as long as we are not stressed about money it doesn't matter to us. We are not a keeping up with the Jonses kind of family and if we can get by fine (or modestly) without my income (although my income wouldn't give us that much after daycare, let's just say I would bring in a fat check) I would rather give her my time then things.  I grew up in a fairly poor family, but my mother was always there, I'd take that every time over all the extras.
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  • I would choose B if I could do it without it being a struggle.  Right now we both work but it's certainly not because we bring in big bucks, neither of us earn enough to make it on one salary. 
  • imageDoodle2011:
    I would choose B if I could do it without it being a struggle.  Right now we both work but it's certainly not because we bring in big bucks, neither of us earn enough to make it on one salary. 

    This and if I had to pay for daycare I wouldn't work because it wouldn't be worth it and then we wouldn't be able to eat.

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  • I am B and I would choose B again. However, I also wouldn't bring home much (less than $600) after paying for daycare and it's just not worth it to me. For the benefit of staying home, I'll gladly give up eating out a few times a month and our premium cable package.

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  • B  after day care cost and my income it wasn't worth me working 40 hours and bring home 1/4 of what I make.  DHs income is enough for us to pay all our bills and to live comfortably.
                                                 Mom to 4 wonderful daughters
                                 Breanna, Ellie and 
                                 our 2 rainbow babies.

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  • If I could afford to live comfortably and maintain a lifestyle where I'm not constantly stressed about money or living paycheck to paycheck, then I'd absolutely pick B.

    Otherwise, I would choose A. I think that daycare is wonderful for kids. If you're making a good living, you can afford trips to visit family. I'll be honest - giving my child nice things is important to myself and my husband. He grew up in an extremely poor family and doesn't want our LO to want for anything. My LO loves daycare and I still get to spend lots of quality time with him.

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    12-1-10
  • We live very comfortably on H's income. I'm on my year of mat leave and I'm not sure I'll go back to work. I made good money too, but the things we did with the extra money aren't the things I'm interested in anymore like extensive travel, partying, clothes etc. We also live far away from family, but for reasons other than our careers.
  • imageHenHen25:
    I have that choice, and I choose B. I feel like I will have time to make money when my children are older. I'll never get DS's babyhood back.

    I went back to work. I make a really good living, and so does my husband. I also love my job and my coworkers. I rarely question my decision because I know how rare it is to find a job you love to do with great coworkers. But then I read/hear things like this and I feel incredibly guilty. I'm sitting here at my desk tearing up. I know that was not your intention, and I didn't mean to specifically call you out, but I just needed an example to make my point.

    The point is that there are upsides and downsides to whatever decision you make. You have to choose what's right for your situation. 

  • We made that choice too - and we're option B here. We live on a much tighter budget but I wouldn't trade this time with DD for any amount of money. Double the income or not. 

    When it comes to major decisions like this - I try to think long-term. And in our case it was possible for me to SAH. I know in 20 years, I won't care if we had 2 cars or new clothes or went on a nice vacation every year. I would regret not being there to see all the milestones and smiles, and watching her learn and grow daily. I really want to be the one to teach my daughter during the early years. (Please, I'm not trying to offend any working moms, this is just how I came to my personal decision. I am not judging anyone who works outside the home.) 

    I feel so blessed we are able to make it work for our family because I know a lot of mom's don't have the luxury to choose.  It really is such a personal decision no one in the world can make besides you and your spouse. Good luck to you!

     

  • I think it depends on what YOU want. Not what the rest of us want. I chose to work PT, because I want to keep up with my career goals. But, I'm still taking a hit. I've been offered positions that I've had to turn down because they were FT, but they were amazing and I felt like crap doing it.

    Buuuut, working PT means I get to spend more time with my baby, pay of my student loans faster and save more for her college and keep up with my career (at least minimally). So that's what we chose. For some that decision doesn't make sense.

    I always say, imagine each scenario and determine which one gives you a sense of peace when you imagine it. Both will be a challenge and both will be stressful. But do the one that will leave you with the least regrets. 

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  • I would probably choose A because I'm very career-oriented.  But I'm not sure because I've never had to make that choice since I earn 2x more than H and we couldn't get by with just his salary.  When he finishes school, I might change my mind but only if I could continue to do some work to stay in my field.  I don't know how to help except to suggest making a list of the pros and cons of each.
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  • imageJerkStore213:

    imageHenHen25:
    I have that choice, and I choose B. I feel like I will have time to make money when my children are older. I'll never get DS's babyhood back.

    I went back to work. I make a really good living, and so does my husband. I also love my job and my coworkers. I rarely question my decision because I know how rare it is to find a job you love to do with great coworkers. But then I read/hear things like this and I feel incredibly guilty. I'm sitting here at my desk tearing up. I know that was not your intention, and I didn't mean to specifically call you out, but I just needed an example to make my point.

    The point is that there are upsides and downsides to whatever decision you make. You have to choose what's right for your situation. 

     

     

    I love working, too. And I'm good at it. Don't get too sad, you are growing a college fund that just might make a better person out of your DS. There is value to staying in the workforce too - in a decade you're likely to be making much more than us SAHMs!

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  • Well of course I'm not going to let a bunch of strangers (no offense) make this decision for us! A big part of me going back to work would have been the relocation - and taking DD away from her 4 grandparents and our close friends. Money talks though! It doesn't solve problems, but it sure helps make things easier.

     

    I just wanted to get opinions from both sides of the fence. Part-time in my career field isn't really an option. Sometimes I think the stress of staying home is greater than that of the office though!

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  • imageJerkStore213:

    imageHenHen25:
    I have that choice, and I choose B. I feel like I will have time to make money when my children are older. I'll never get DS's babyhood back.

    I went back to work. I make a really good living, and so does my husband. I also love my job and my coworkers. I rarely question my decision because I know how rare it is to find a job you love to do with great coworkers. But then I read/hear things like this and I feel incredibly guilty. I'm sitting here at my desk tearing up. I know that was not your intention, and I didn't mean to specifically call you out, but I just needed an example to make my point.

    The point is that there are upsides and downsides to whatever decision you make. You have to choose what's right for your situation. 

    Aw, don't cry, If cheffing wasn't such a crap paycheck for the hours I would consider going back possibly.(it's impossible to say) I do love it. (if my back wasn't fvcked of course).  I think it's great you love what you do.  I could just never be away the hours that are normally asked in my line of work. Maybe when she's older I can find something PT, I do miss it and you shouldn't feel guilty for that. I hope I didn't make you feel bad, I was strictly speaking about what works for us.

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  • Def B.  I work 3 days a week, just to supplement H's income. We are by no means well off, but we are comfortable.  I get to spend time with DD, and that matters more to me than all the things I could be buying.   I wasn't crazy about my job, so it was a no brainer to drop to part time. This way, I also get out of the house to keep a little sanity.  When DD goes to school, I will most likely resume full time work.



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  • imageJerkStore213:

    imageHenHen25:
    I have that choice, and I choose B. I feel like I will have time to make money when my children are older. I'll never get DS's babyhood back.

    I went back to work. I make a really good living, and so does my husband. I also love my job and my coworkers. I rarely question my decision because I know how rare it is to find a job you love to do with great coworkers. But then I read/hear things like this and I feel incredibly guilty. I'm sitting here at my desk tearing up. I know that was not your intention, and I didn't mean to specifically call you out, but I just needed an example to make my point.

    The point is that there are upsides and downsides to whatever decision you make. You have to choose what's right for your situation. 

    I'm so sorry. I didn't mean for it to come off that way at all. Don't feel guilty. The last thing we need is for Mom's/Women to make other Mom's/Women feel guilty for making the choices that work best for them.

    There are certainly downsides to staying home. I'm in a position where we would have significantly more income, even after daycare, if I worked, so I often feel guilty for not contributing to savings, and paying down our debt. I also miss having adult time, using my degrees, and feeling like I'm a productive member of society. And there are plenty of times I miss being able to spend money on extras.

    Bottom line, every family has to make their own choice! And again I'm sorry if my original post came off like that.

     

    imageimage
    BFP # 1- DS ~ TTC #2 since Jan. 2012 - BFP # 2 - "Baby Elsie" - Blighted Ovum - D&C August 22, 2012 at 7w3d, BFP # 3 - CP - December 30, 2012, BFP # 4 - CP - March 19, 2013 ~ First RE Appt. 4/24/13 Med cycle #1: 50mg Clomid and Trigger shot = BFN. Med. Cycle #2: 6 cysts found. No meds/rest cycle. Trying on our own = BFP # 5! Beta #1 = 77, Beta #2 = 129 Beta #3 = 94 - CP - July 2, 2013. BFP # 6! Beta#1 = 21, Beta#2 =58 Beta#3 = 134. U/S shows heartbeat of 142 at 7w2d!
  • imagethemissizz:

    If I could afford to live comfortably and maintain a lifestyle where I'm not constantly stressed about money or living paycheck to paycheck, then I'd absolutely pick B.

    Otherwise, I would choose A. I think that daycare is wonderful for kids. If you're making a good living, you can afford trips to visit family. I'll be honest - giving my child nice things is important to myself and my husband. He grew up in an extremely poor family and doesn't want our LO to want for anything. My LO loves daycare and I still get to spend lots of quality time with him.

    I agree with this if I only had to choose between A and B.

    I chose option C for myself, which is work 15 hours a week and be home the rest of the time. I like having both. :)

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  • We are option A. My parents live 6 hours away and my ILs are about an hour away.

    This is the right decision for us. I am the breadwinner by far. LO is in a daycare right next door to my office. Our daycare is ridiculously cheap, so even though DH makes half of what I do it is still well above the cost of care.

    By both of us working we will be able to do things that are important to us: buying a new home in 3-5 years, helping our parents in their old age (my parents are in their late 70s), having a 2nd child without worrying about the cost of daycare, saving for our childrens' college expenses, traveling as a family, etc. We were able to have a savings cushion that allowed me to take a 6 month maternity leave at 1/2 pay & will likely do so again for kid #2.

    Don't get me wrong, I loved being at home with LO and would choose to do so IF we could maintain our lifestyle on one salary. But we can't, and that is okay with me too.

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  • I would choose B.  We made some big sacrifices for me to be able to SAH, but I am so grateful that we did and I wouldn't have it any other way.
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  • We live off of 2.5 incomes right now. We both work FT, and my H has a PT job that he works after his FT job M-Th. The extra income is to help get our debt paid off so that I can eventually be home more. I'll probably never be able to be a SAHM as I'll always work a few hours a week to help bring in extra income. But we want to get our debts paid off first. We're hoping in about 6 months this will be possible.
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  • I would choose B.  Money can only do so much, but depending on what "big bucks" means, I guess you can fly home often.  I'm a SAHM now, and my husband is a teacher, so we are very tight right now.  We don't have much extra money for anything fun.  I am so sick of the town we live in.  Our house is nice, but it's in suburbia and we have an itty bitty backyard (as in it ends less than 25 feet from our back door).  I'm tired of the hot summers and I'd love to move out to western NC, Va, KY, or TN and try some country living.  If we got the opportunity to move (DH has been applying to jobs out there), then I would happily go back to work if it meant allowing my boys to grow up in the mountains, with a decent backyard, and nice parks nearby. 
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  • In your shoes, I'd choose option B.

    In my own situation, I have no choice but to work. My monthly student loan bill is outrageous, and we simply couldn't pay the bills on DH's salary alone. If things were different though, and we didn't have the debt, I'd totally be a SAHM.



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  • I also choose B. Neither H nor I made "big bucks" working but fortunately H has a job with incredible benefits, which was huge in allowing me to SAH. For us it means cutting out eating out a lot and excessive shopping and vacations but for us staying home outweighed the other. That isn't true for everyone and there's absolutely nothing wrong with that. What works for my family doesn't work for everyone else. I also think living within our means was an important lesson for us. SAH has really made us reevaluate they way we were spending $. We don't have tons of debt but we also don't have nearly the savings we could and should have.
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  • imageQuesera:
    We live very comfortably on H's income. I'm on my year of mat leave and I'm not sure I'll go back to work. I made good money too, but the things we did with the extra money aren't the things I'm interested in anymore like extensive travel, partying, clothes etc. We also live far away from family, but for reasons other than our careers.

    This is me too. We were DINKS, and lived like it. Constant eating out, nights out with friends, over-priced clothes. I'm not into that stuff anymore, and neither is DH. It was one reason we knew we were ready for a child.

  • B, for sure! We live comfortably and while it'd be nice to have more disposable income, it wouldn't be worth it to me to be so far away from family while LO is so young.
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