OT - Working Mom thinking about leaving FT job

Ds is almost 10 and neither one has spent one day being raised by a sitter.
Sitters don't raise kids. Sitters aren't the ones paying for college and braces and cleaning up vomit at 3 AM.

My daughter has been in daycare since she was six weeks old. That's all the maternity leave I got. I would much prefer to be home, but my job has the benefits. It doesn't matter to me whether a woman stays at home or works - I just wish everybody had the chance to decide for themselves. Sadly I didn't have a choice.
 
I think that is a very hard choice to make. I always assumed that I would stay at home and then I was offered a job that would allow my family to move to a pleasant, family-friendly community, allow me to have a somewhat flexible schedule, and a reduced-cost of living....and maybe have their college tuition paid for when they are ready. I think I am actually better able to assist in school functions, etc because I am working and have daycare set up for my younger dd. I like what I do and I like that I can make it to my dd's school by 4pm most days and we still have time to go to activities and have dinner at night. When we lived in NYC, this wouldn't be the case....

I think every family is different and I have come to the conclusion that everyone struggles with something (guilt, financial insecurity, etc) and that the children all end up growing up---and most of them end of turning out pretty well!!
 
HI Everyone -

I was just curious if anyone here had any personal stories, advice, etc., about leaving a FT job to spend more time with the family and possibly work PT.

How did you decide to take that "leap of faith" to take some time off with the children or leave a stressful FT job?

Was/is it a constant struggle financially?

My biggest issues are my 401K and retirement - I worry a lot and hate to think of leaving a job that pays decent with vacation and benefits but that i'm just not happy with anymore.

DH thinks I should leave but i'm struggling with losing my salary after workin



I had twins and it was so stressful working FT. I had the opportunity to get a lay off and collect unemployment for a year and I took it.

During the year I was off, I got licensed as a home daycare provider. It is a long day, but I get to stay home with my kids and make over $500 a week. (live in MA)

You will never regret spending the time with your kids while they are young!
 
HI Everyone -

I was just curious if anyone here had any personal stories, advice, etc., about leaving a FT job to spend more time with the family and possibly work PT.

How did you decide to take that "leap of faith" to take some time off with the children or leave a stressful FT job?

Was/is it a constant struggle financially?

My biggest issues are my 401K and retirement - I worry a lot and hate to think of leaving a job that pays decent with vacation and benefits but that i'm just not happy with anymore.

DH thinks I should leave but i'm struggling with losing my salary after working for 13 years straight right out of college.

If you've made it this far, thanks for listening. ;)

I just started working in my children's school district 3 years ago. I was a SAHM for 12 years and I still get them off to school and pick them up after sport practices. You just need to learn how to spend your money. Most families can make it on one salary once you get the hang of it. I live in a great neighborhood, my children have everything they need and we always took family vacation. My biggest advice would be to make sure you both sit down and go over your bills and come up with a way to put X amount of money away each pay period and don't stray from the plan you come up with. Good luck and you are making a great choice. Children grow up so fast.
 

My dh and I tried for several years to get pregnant; and with the help of doctors and drugs, we finally did. I was a flight attendant (dh is a pilot), and the day I found out I was pregnant, I went out on maternity leave. We knew that I would continue to stay home after the baby was born. There really was no other solution. We didn't know anyone in the area, and we felt we needed someone we really could trust and depend on. After all weather happens and planes sometimes break, and there is always the possibility that we'd get stuck somewhere overnight. We didn't want someone we barely knew watching our baby overnight. Same thing could happen with alternating schedules. Dh made 4Xs my salary, so it was a no brainer. However, I did contribute to the household and my salary would be missed. Eventhough I was being paid during my leave (sick time that had built up for a decade), we started living on dh's income and saving 100% of mine. By the time I had the baby and my sick time dried up, we were used to living on 1 salary. I took leave after leave after leave and stayed home. The month before I was to go back to work (couldn't take any more leaves) I got pregnant, so i started all over -- minus the built up sick time this time around. After my 2nd was born, I took more leaves. When my company announced massive lay offs, I went ahead and resigned. I had been hanging on to that job as a safety net, but knew that I didn't want to fly anymore. If I had to go back to work, I wanted to do something that kept me closer to home. I knew there were others who wanted and needed to fly, so i left so someone else could stay. I haven't missed it at all. I sometimes miss the adult interaction, and I know my house would stay cleaner if we weren't in it all the time, but i wouldn't change a thing. My youngest starts K in the fall, and I am looking forward to some down time though.
 
I think that the faith statement is so true. You have to listen to what you head says but follow your heart. In a marrige you do have to consider your DH as well though it sometimes comes down to what you know is right.

I am leaving my job at the end of the school year and I just know it is the right thing for our family just like i have known every time I have made a change.

Before DS was born almost 15 years ago, I had planned to go back to my full time teaching job is an awsome child care center with free care for DS. He however was born 16 weeks premature and any type of child care was not an option. I planned to stay home for 1 year. I was home, doing in home child care for the next 6 years. So worth it. When DS went to school, the perfect part time job feel in my lap. My current job, was for the past 8 years, exactly what our family needed. Part time, but good pay, and perfect hours.

Life however chances. Now I have aging parents as well as a new nephew that is completly like a grandson, my husband has a much higher pay but also higher stress job. I have felt the pull to again be home. I just know it is right and am at peace with the decission.

We have made a lot of choices we would not have had to make had we had two full time incomes but in our family this is what we know and what works.

As a Christian family we always pray about these choices so if that is an option for you, give that a try as well.

good luck
MsSandra
 
I never had a high paying job or what I would consider a career, so perhaps the choice was easy for me. ;)

But seriously, I've done it all in DD's short life -- WOH-FT, WOH-PT, SAH, WAH, and I'm currently WOH-FT, switching to 32 hours a week next month.

My ultimate goal is to have another baby (which is why I'm working now, to pay for infertility treatments) and become a full-time SAH mom with a part-time WAH business on the side. I really miss being a SAHM.
 
I think it best you run the numbers to see if it is do-able at sites like www.miserlymoms.com which has a calculator.

Right now I am a WAHM with 5 kids and I go to school very part-time. I sell on ebay for my business and others and I am also restarting my home daycare this spring.

My dh was recently unemployed and starts his new job next week. This is the 5th time in his career. Never again! lol.. I need to have an income.

I also want to be able to homeschool my 3.5yo ds and 1.5 yo dd now so that is why I am changing my course. (I used to only sell on ebay.)

GL in your decision Hillbeans! :)
 
This is a little OT and long, but I have to post it somewhere because it drives me crazy --

I have a very good friend who refuses to work outside her home. Her kids are 18 (sr. in high school) 5 & 7. Her husband makes less than half of my salary, and they rent a 2-bdr. apartment. Up until the little one turned 5, they were on WIC. They get heating assistance in the winter, etc., the whole nine yards. They haven't made a full payment on their rent ($1,000/mo -- cheap for this area) in over a year. The landlord won't kick them out because she is the secretary of the church and it would look bad, and they know this.

When anyone tries to suggest my friend do any kind of work -- when the kids are in school, during the weekends, whatever, she says she didn't have these kids for someone else to raise.

The oldest child, who is actually her stepdaughter, is a straight A student, and was in daycare when she was young. She has a full scholarship to a state school, which my friend encouraged her not to take, ostensibly because she would be away from home. The youngest two are both behind academically and socially. As a matter of fact, she called me in tears the other day because the principal forced her to come in for a conference on the 5 yr. old. In one day, he spit water on a child, slapped another child, and punched yet another child in the stomach. He doesn't recognize letters, because she subscribes to a theory that children should learn from osmosis --she did not consciously teach them letters, numbers, colors, anything while they were at home 24/7. The 7 yr. girl old is behind socially and in reading, and weighs over 80 lbs. She doesn't have any friends. These younger kids don't have any outside activities. At one point the little girl was in gymnastics, but she broke her leg (too much weight on the bones), and hasn't done anything else since. They do go to church and sunday school activities, but they don't even have friends over (I'll get to that in a minute), and are not invited often at all.

When the 7 yr. old turned 6, they had a big party and invited her entire class. No one from the school showed up. It was really sad.

The reason they don't have anyone over is the 2 bdr. apartment is a disaster. I am not exaggerating when I say you have to walk through clothes and toys 1 ft. deep in the little kids room. There are always dirty dishes in the sink, and one day I went over and there was bread hanging from the arm chair of a rocking chair. The littlest one throws apple cores on the floor wherever he is when he's done (he's done this at my house, too). I am by no means Martha Stewart, but this house doesn't pass basic cleanliness standards. They have bugs on a regular basis.

My point, and I have one, is staying at home when you can afford it, and because you want to do something good for your children is one thing. Staying at home because you have simply decided you are not going to work anymore so you expect tax dollars to pay for it, or you want to hide from the world-- and then not taking proper care of the children or your home, is something else. I'm so frustrated because she should know better. I understand that if you don't know better you don't do better, but she should know better.

Yes, she is on meds for depression. So are her husband and the 18 yr. old. The wife and husband are also in couples therapy.

I am sure this is not the case for the OP -- I just wanted to point out that not everyone really can make it on one salary, and I think it is irresponsible to live off the government if that is the case. I know, I'll get flamed. I know, millions of people live off welfare all their lives.

My issue comes in when people like my friend say with firm conviction that they are doing better for their children because they are at home, than I am because I work. She says I work so we can take fancy vacations. We spend less than 3% of my salary on an even really nice vacation. That is not where our money goes. We are saving for college, retirement, making mortgage payments, home improvements, etc. She gets very upset when I or anyone else she knows goes to Disney, because she knows that it is completely out of reach for her family.

My son is a straight A student, polite, generous -- all the good stuff. We literally could not afford a mortgage if I did not work. And her kids I think, would clearly be better in a setting where they could have learned something, and where they had a better environment to do their homework.

So for those of you who say you can just scrimp a little and it will be o.k., be aware that is not the case for some people, and think carefully about your definition of "o.k.". In my book, "o.k." includes full self-sufficiency, i.e. my tax dollars are not paying your heating bill because you think you are too good to work at McDonalds.

O.k., I'm getting off my soapbox now. I know you're wondering why I have this friend, and why I don't tell her all this myself -- I am pretty much the only friend she has, so I don't want to leave her completely out there alone. Everyone else we know has gotten fed up with her and dumped her.

Some people really can't, or shouldn't, make it on one salary. I could go on all day, I promise I'll stop now.
 
Woorfiedoodles, no flames here. You are exactly right.

And as someone who has been a SAHM and working mom, I've got news: Being a SAHM is definitely easier on a lot of fronts, much as all those women try to claim otherwise.

And I definitely think it's worth it to work outside the home if you are building a solid financial future for your retirement and your kids' college education.
 
I don't think anyone is trying to turn this into a "who's better" debate. But I do think you need to go into it with your eyes wide open and consider all the possibilities. Each family is different, and only the OP knows her family best.

I have worked PT jobs and FT jobs since before I was 18. My DH and I are educated, have 2 children, and live a modest lifestyle. Would I have liked to be home with my kids when they were little? Absolutely. But at the risk of being as the PP appropriately stated "irresponsible", it wasn't an option. We had a WONDERFUL in-home daycare when my kids were little, who just enhanced our family values, but did not "raise" my children. My husband and I are the only two who raise them. When the children were schoolage, and needs changed, we put them into a institutional type daycare environment where they continued to thrive. I was lucky that all this time, I have worked for a company that let me work flexible hours. I can take time off when the kids are sick or out of school for a few days. I can work a weekend and take time off during the week, I can take off mornings and work later, pretty much adjust my schedule how I want as long as the work gets done. I have great benefits, and love my co-workers.

All that aside, there are still days that I would rather not have to work FT at all. Face it, it sucks getting up every morning, commuting, working all day, running errands on the way home, and then cook/clean when I get there. But when I weight the pros and cons, I can't see how that I would change it. Consider how 10+ years out of the workplace will affect your retirement. My mom was SAH and now is in no position to ever retire at 64 years old. Consider how you would support your family if your husband lost his job/was suddenly disabled. This happened to good friends of ours (husband had a debilitating stroke) and it has put them into bankruptcy on top of losing their home. Or worse yet, if you suddenly found yourself all alone due to death/divorce. Would you be able to get back into the job market and make a salary worthy of supporting you and your kids? There is so much to consider other than "your kids are only young once". Yes, they are, but kids in daycare don't automatically turn out to be degenerates. I think my kids have turned out better than me, and as previously stated I had a SAHM. With my salary we have been able to live much more comfortably, go on vacations, and do home improvements. We also save a considerable sum for college for our children. Should I not have worried about all the "what if's"? Maybe, but I can't see consequences in my decision either. If someone else can afford to stay home, pay all their bills, save for retirement, save for college, and have a cushion for unforeseen events, that's great! I wholeheartedly agree that women who have the option to stay home, and want to do so, get the chance to. It's all the women who use the excuse that "your kids are only young once", live on the edge, and then aren't prepared when something bad happens, or they can't buy a new car when their's falls apart, or they can't fix their leaky roof, or send their kids to college when the times comes, that drive me nuts. It's all about preparation and planning. PLEASE do your homework ahead of time. I've seen too many friends/relatives who have suffered needlessly because of their decision to not work at all.
 
Mickeyfan9194 has it absolutely right :thumbsup2

I would LOVE to stay home with my kids, but I don't. I had kids after I went through 8 years of college and 5 years of working. I am highly degreed in a specialized field and make a lot of money. My husband, on the other hand, did not work for that long and makes an average salary. For me to stay home with the kids on his salary would have meant a lot of compromises (like no Disney vacations, no birthday parties, no summer vacations, etc). So instead my husband stays home with the kids and I work. I do miss being home with them, but there are definitely other things to consider (college education, retirement, lifestyle). It also helps that I appreciate my time with them more and spend less time cleaning and trying to be the perfect mom and more time reading to them and playing games and talking to them. I'll take a few dustbunnies around the house if it means that I go to bed satisfied that I spent quality time with them.

The bottom line is, you have to figure out what you want for yourself. It IS possible to be a GREAT mom and work! It also is possible to be a great mom and stay home!
 
Yeah, I grew up with a SAHM. There were a lot of financial tradeoffs. Frankly, we would have been better off is she had worked and socked away some money.

Because now, taking care of my dad falls on me (she's passed away.) My dad's retirement strategy was to die young, but that didn't work out so well.


So you should definitely factor in that kind of stuff.
 
This is a little OT and long, but I have to post it somewhere because it drives me crazy --

I have a very good friend who refuses to work outside her home. Her kids are 18 (sr. in high school) 5 & 7. Her husband makes less than half of my salary, and they rent a 2-bdr. apartment. Up until the little one turned 5, they were on WIC. They get heating assistance in the winter, etc., the whole nine yards. They haven't made a full payment on their rent ($1,000/mo -- cheap for this area) in over a year. The landlord won't kick them out because she is the secretary of the church and it would look bad, and they know this.

When anyone tries to suggest my friend do any kind of work -- when the kids are in school, during the weekends, whatever, she says she didn't have these kids for someone else to raise.

The oldest child, who is actually her stepdaughter, is a straight A student, and was in daycare when she was young. She has a full scholarship to a state school, which my friend encouraged her not to take, ostensibly because she would be away from home. The youngest two are both behind academically and socially. As a matter of fact, she called me in tears the other day because the principal forced her to come in for a conference on the 5 yr. old. In one day, he spit water on a child, slapped another child, and punched yet another child in the stomach. He doesn't recognize letters, because she subscribes to a theory that children should learn from osmosis --she did not consciously teach them letters, numbers, colors, anything while they were at home 24/7. The 7 yr. girl old is behind socially and in reading, and weighs over 80 lbs. She doesn't have any friends. These younger kids don't have any outside activities. At one point the little girl was in gymnastics, but she broke her leg (too much weight on the bones), and hasn't done anything else since. They do go to church and sunday school activities, but they don't even have friends over (I'll get to that in a minute), and are not invited often at all.

When the 7 yr. old turned 6, they had a big party and invited her entire class. No one from the school showed up. It was really sad.

The reason they don't have anyone over is the 2 bdr. apartment is a disaster. I am not exaggerating when I say you have to walk through clothes and toys 1 ft. deep in the little kids room. There are always dirty dishes in the sink, and one day I went over and there was bread hanging from the arm chair of a rocking chair. The littlest one throws apple cores on the floor wherever he is when he's done (he's done this at my house, too). I am by no means Martha Stewart, but this house doesn't pass basic cleanliness standards. They have bugs on a regular basis.

My point, and I have one, is staying at home when you can afford it, and because you want to do something good for your children is one thing. Staying at home because you have simply decided you are not going to work anymore so you expect tax dollars to pay for it, or you want to hide from the world-- and then not taking proper care of the children or your home, is something else. I'm so frustrated because she should know better. I understand that if you don't know better you don't do better, but she should know better.

Yes, she is on meds for depression. So are her husband and the 18 yr. old. The wife and husband are also in couples therapy.

I am sure this is not the case for the OP -- I just wanted to point out that not everyone really can make it on one salary, and I think it is irresponsible to live off the government if that is the case. I know, I'll get flamed. I know, millions of people live off welfare all their lives.

My issue comes in when people like my friend say with firm conviction that they are doing better for their children because they are at home, than I am because I work. She says I work so we can take fancy vacations. We spend less than 3% of my salary on an even really nice vacation. That is not where our money goes. We are saving for college, retirement, making mortgage payments, home improvements, etc. She gets very upset when I or anyone else she knows goes to Disney, because she knows that it is completely out of reach for her family.

My son is a straight A student, polite, generous -- all the good stuff. We literally could not afford a mortgage if I did not work. And her kids I think, would clearly be better in a setting where they could have learned something, and where they had a better environment to do their homework.

So for those of you who say you can just scrimp a little and it will be o.k., be aware that is not the case for some people, and think carefully about your definition of "o.k.". In my book, "o.k." includes full self-sufficiency, i.e. my tax dollars are not paying your heating bill because you think you are too good to work at McDonalds.

O.k., I'm getting off my soapbox now. I know you're wondering why I have this friend, and why I don't tell her all this myself -- I am pretty much the only friend she has, so I don't want to leave her completely out there alone. Everyone else we know has gotten fed up with her and dumped her.

Some people really can't, or shouldn't, make it on one salary. I could go on all day, I promise I'll stop now.


No flames here. I completely agree with you.
 
And as someone who has been a SAHM and working mom, I've got news: Being a SAHM is definitely easier on a lot of fronts, much as all those women try to claim otherwise.

Not for nothing but that's a little snarky. I too have been both and I have a very high stress job. I am currently home and it isn't like I am on some sort of permanent vacation. I am not starting a debate about which is easier, but everyone's family dynamic is different. Some parents are like the one another posted about who is lazy and doesn't do anything for their kids, some have lots of family around to help, some have lots of activites etc. What's easier? I love my kids so of course it's easier to go to "work" when you love your environment and "bosses". Was it hard to juggle working full time and caring for my kids? Sure was. Did I manage? You betcha! There are pros and cons to every situation, but making a flippant remark like that just isn't nice and it also isn't true for everyone. I'm not trying to be rude, but I was very offended by that statement.
Sorry for getting off topic.
 
OP - I was in a similar situation. I was in a job that paid me very well, and had been working for a number of years (12 or so.) I had quite a bit saved for retirement. I wasn't terribly happy there - it was okay, but I didn't LOVE it. I also had a very long commute.

When my DD was born, my plan was to go back to work 24 hours a week after my 5 month maternity leave. Although we didn't need ALL my salary, we needed some of it. We were living in the SF Bay Area at the time, as as you know, it is very expensive. We had only been living there for three years, having moved from New England as a corporate relocation for my husband's job.

Toward the end of my leave,my DH was offered a job here in the Houston area. I knew by this time that I didn't want to go back to work at all unless it was absolutely necessary, at least not until Madeline was older. Well, we ended up relocating to Texas, made a very large profit on our CA house, and we decided that the best thing for our family right now was for me to stay home. We were able to put a 50% downpayment on a house in a "move up" neighborhood here. Although I wouldn't say it is a constant struggle for money, or anything like that, we have had to make a few sacrifices here and there. In our case, it was mostly material things that were "extras" - things we didn't really need anyway. I do admit that I would like to take a few more vacations :) Sometimes things get a little bit tight at the end of the month, but we haven't had to dip into our savings yet.

I will say that it was quite an adjustment for me, becoming a SAHM. Really, it was the first time since high school that I hadn't worked! I never saw myself being a SAHM when I was younger. I often felt guilty at first that I was not contributing. It really took me awhile to see that I was contributing, just not financially. I can honestly say that I have no regrets. I love being to spend so much time with DD. It is also much less stressful for our family than a daily routine with two long commutes would have been.

I do plan to go back to work at some point, probably when baby #2 is in preschool. I am getting ready to go back to graduate school this fall in the meantime.

Whatever you decide OP - I really wish you the best of luck. Not an easy decision to make.
 
I hope you figure out what you want to do and are happy either way. Maybe if you don't like your current job you could find something different? I had a girlfriend who SO wanted to stay home but she just couldn't make it work. She didn't really care for the job she was at, so that made it that much harder to leave her kids every morning. Now she's found a new job and absolutely loves it--so they are all much happier.

I lucked out with the decision to stay home. We had never been a 2 income family. Once I graduated from college DH decided to go back. (Didn't work so well the first time around--LOL) So, I worked while he went to school. I got pregnant right before he graduated and knew from day 1 I wanted to stay home. So, while we were both working that partial year we stuck all my checks away and just lived on what he made to see if we could do it. I figured if money was tight I could always wait tables or something to bring in some extra $$ without having to pay for daycare etc. Never had to do that though--an ad agency I had worked for previously contacted me about being a freelance media buyer for them. I've been doing that for almost 10 years. Sometimes I work more than others, but I always consider my pay gravy and it goes to savings or a special purchase or whatever. This also helps me keep my name out there if I ever do decide I want to go back to work.

We have a comfortable life style. We don't eat out a lot or have fancy cars or take a big vacation every year, but we're all happy! Good luck with whatever you decide---be happy!!! :goodvibes
 
I've got news: Being a SAHM is definitely easier on a lot of fronts, much as all those women try to claim otherwise.

I must beg to differ. I'll even admit to being a little offended at the "those women try to claim otherwise" comment.

I have also been both a working-outsite-the-home mom and a stay-at-home mom. I think which is easier depends on the circumstances. FOR ME: Going to my full time 35 hour per week, job as a victim advocate while my son was in daycare was so much easier than my first few years at home. I had newborn twins and a two year old. About a month into my "SAHM" status, I called my former boss and thanked him (a little jokingly) for that whole 30 minutes he used to give me to once a day to actually eat a meal. 'Cause, let me tell you, those days were long gone!

What's "easier" really is subjective.
 
I must beg to differ. I'll even admit to being a little offended at the "those women try to claim otherwise" comment.

I have also been both a working-outsite-the-home mom and a stay-at-home mom. I think which is easier depends on the circumstances. FOR ME: Going to my full time 35 hour per week, job as a victim advocate while my son was in daycare was so much easier than my first few years at home. I had newborn twins and a two year old. About a month into my "SAHM" status, I called my former boss and thanked him (a little jokingly) for that whole 30 minutes he used to give me to once a day to actually eat a meal. 'Cause, let me tell you, those days were long gone!

What's "easier" really is subjective.

I totally agree! At work, if I want to take a moment off and visit the disboards, I can. At home, I don't have that option unless DD is asleep or totally engrossed in "Blue's Clues." Neither job circumstance is "easier."

Well, I suppose being a SAHM with a full time nanny and housekeeper would be easier than being a WOHM who shuttled the kids to daycare and cleaned her own house. ;)
 
I have always worked part time, every since I was in high school. Right out of high school I got a good PT job with great pay and excellent (free) benefits for the whole family. After my DD(now 5.5) was born I took a few months off, but went back to work-PT. She stayed with my DM until DH could pick her up. But after DS(now 3.5) was born I just couldn't go back to work. I cried at the thought of leaving them both. I took a whole year off (as much as they'd allow) then went back, but it wasn't a couple of weeks and I quit my high paying, good job that I'd been at for 10 yrs to be with my kids! I'd do it over in a heart beat. It was the best thing I've ever done. Financially we needed some income from me, so I found a very flexible work at home job that I'm happy with and I'm able to set my own hours. It doesn't pay a fraction of what I used to make, but I don't care! I know I'm an exception, but if you can swing it financially then do it. You'll be glad you did!!:cutie:
 












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