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Question – sahm’s and paying off debts

Well i told my boss i am pregnant – and will probably take my leave in January and take at least 6 months- ( left her a note as i never see her as i work weekend / or nights) she called me this week and was soo nice – she was like “oh and don’t worry your seniority will be held for when you want to come back” ( i basically am a sub – i fill in shifts when they are available – they call to ask who wants what shifts based on seniority)

Since we have paid off the minivan -i probably will be able to quit all together when the baby is born as long as nothing comes up – that is what scares me – the something coming up – i ALWAYS was the one to work an extra shift etc. when that happened and that will be unavailable- It will be extremely tight no extra $ at all – and i cannot imagine anywhere else i can cut back (i mean 200 a month for food cleaning beauty paper is pretty darned low for 6 of us soon to be 7 !!)

( oh and i get my AOL for free since i get reimbursed for doing testing for a site every week and honestly $20 isn’t gonna save the deal anyway )

i really think i can do it but do not want to severe ties with work totally just in case we have a problem (plus in 2 years Ds goes to high school and we go private that is a lot of money that’s not in the budget now )

So my question – IF you had the ability to go to work say 2 days a month -at a low stress job you actually liked – NOT have all the problems that go along with work ( child care – milage – clothing – food etc etc ) and would bring in probably $350 ( after taxes ) a month to help pay off debt for those two shifts would you consider it – ??

If i was debt free that would be one thing but i feel that the debts will just sit at the same place being paid off very slowly just the minimums if i am at home FT (unless DH gets a huge raise which is highly unlikely ) and 16 hours a month – well to be honest i know sham’s that go out one night a week and leave their kids for that same amt of time a month easily – which i rarely if ever do – and they will be with their dad

I think I am nuts — I mean I am finally – 99 % possibly able to be at home FT but NOT HAVING to work actually makes working maybe 2 x a month more appealing as it will get us out of debt sooner ( of course the baby would have to be 6 months to a year old for me to do it !!)

As I said it wound not be like leaving my kids to work fulltime it would be 2 x a month when they are asleep anyway – I leave when they are asleep ( 9:45pm and get home before they even awake ( 6: 15 am ) – and of course if they were sick I wouldn’t go in at all)

Boy am I confused LOL!!

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Sears new credit card

Did anyone else get the new Mastercard from Sears. It seems that Sears has closed out all of it’s old accounts that used the Sears card and converted them over to a Mastercard with the Sears logo on it.

Of course, this is to help them gain even more profits, since they can now charge higher interest rates on non-Sears purchases.

I don’t know about all of you, but this really ticks me off. I am sure many people will be happy to have a new Mastercard without taking into effect what this can do to credit ratings and increasing debt.

As for me, I very rarely used my Sears card in the first place, so I will continue that practice and always pay it off each month like I did before.

Diane K. in Ohio

p.s. My back to school shopping consisted of getting down from the attic the bag of clothes from my SIL and then letting DS (6) go through them and pick out what he would like “new” to wear to school this year.

And a thanks to whomever mentioned about the Elmer glue stick price at Walmart – 2 in a package for 0.25. Beats paying 1.59 for one in a package at Office Max. I bought 8 packages, this should take us through to next year when hopefully they will be on sale again. Thanks