earning a living too
[email protected]
A lot of people have given me some good information, however my
situation wont work with most of it. I will be going out to look for
The Complete Tightwad Gazette for even more help. Does anyone have it
that they might want to sell? Currently I earn just about as much as
my husband. My employment covers the insurance. If he chose to go
with his companies insurance, it will get just as expensive as if we
went outside the system completely. Its just not worth it. We have a
large morgage to pay off as well as credit card debt. I will most
likely have to continue working this year. Try to get a large portion
of our debt behind us. My oldest, who will be in 1st grade this Sept
will probably have to go to public school until my husband and I
really know that she is not enjoying it and/or learning something. If
anyone has any other guidence, please let me know.
situation wont work with most of it. I will be going out to look for
The Complete Tightwad Gazette for even more help. Does anyone have it
that they might want to sell? Currently I earn just about as much as
my husband. My employment covers the insurance. If he chose to go
with his companies insurance, it will get just as expensive as if we
went outside the system completely. Its just not worth it. We have a
large morgage to pay off as well as credit card debt. I will most
likely have to continue working this year. Try to get a large portion
of our debt behind us. My oldest, who will be in 1st grade this Sept
will probably have to go to public school until my husband and I
really know that she is not enjoying it and/or learning something. If
anyone has any other guidence, please let me know.
Bonnie Painter
Go to a credit counseling service. They can consolidate all of your debts
and sometimes the credit companies will even decrease your interest rate to
0%. I felt that I HAD to stay home after my son was born because our
babysitting arrangements fell through. I had worked out with my company to
work at home. That helped some. I worked for them for 6 years at home, but
the work became sporadic, so it wasn't really income I could count on.
We went through a credit counseling service and paid off our credit card
debt in 4 years! It wasn't always easy, but it worked. The downside to
this is that if you want to move before the time is up, you may have a hard
time getting a mortgage. Most mortgage companies will not touch you until
you have been out of the program for a year.
Also, I now work part-time for Barnes & Noble, because they are open until
11:00 pm so I don't have to go in until 6:00 pm and I work Saturday
mornings, so we still have 1 1/2 days as a family to spend together on the
weekend. They have fairly decent benefits, from what I could see (since I
only work part-time, I didn't bother to check them extensively). If you
could swing working a "night" shift to your husband's "day" shift, you could
get away with minimal babysitting, pocket some money and reduce your
benefits costs.
Just a few ideas of what is working for us.
Bonnie
Get your FREE download of MSN Explorer at http://explorer.msn.com
and sometimes the credit companies will even decrease your interest rate to
0%. I felt that I HAD to stay home after my son was born because our
babysitting arrangements fell through. I had worked out with my company to
work at home. That helped some. I worked for them for 6 years at home, but
the work became sporadic, so it wasn't really income I could count on.
We went through a credit counseling service and paid off our credit card
debt in 4 years! It wasn't always easy, but it worked. The downside to
this is that if you want to move before the time is up, you may have a hard
time getting a mortgage. Most mortgage companies will not touch you until
you have been out of the program for a year.
Also, I now work part-time for Barnes & Noble, because they are open until
11:00 pm so I don't have to go in until 6:00 pm and I work Saturday
mornings, so we still have 1 1/2 days as a family to spend together on the
weekend. They have fairly decent benefits, from what I could see (since I
only work part-time, I didn't bother to check them extensively). If you
could swing working a "night" shift to your husband's "day" shift, you could
get away with minimal babysitting, pocket some money and reduce your
benefits costs.
Just a few ideas of what is working for us.
Bonnie
>From: tgraves@..._________________________________________________________________
>Reply-To: [email protected]
>To: [email protected]
>Subject: [Unschooling-dotcom] earning a living too
>Date: Tue, 03 Apr 2001 14:51:42 -0000
>
>A lot of people have given me some good information, however my
>situation wont work with most of it. I will be going out to look for
>The Complete Tightwad Gazette for even more help. Does anyone have it
>that they might want to sell? Currently I earn just about as much as
>my husband. My employment covers the insurance. If he chose to go
>with his companies insurance, it will get just as expensive as if we
>went outside the system completely. Its just not worth it. We have a
>large morgage to pay off as well as credit card debt. I will most
>likely have to continue working this year. Try to get a large portion
>of our debt behind us. My oldest, who will be in 1st grade this Sept
>will probably have to go to public school until my husband and I
>really know that she is not enjoying it and/or learning something. If
>anyone has any other guidence, please let me know.
>
Get your FREE download of MSN Explorer at http://explorer.msn.com
Samantha Stopple
. I will most
eliminate 12,000 in credit debt and save money in
about 2 years time with only one income of about
45,000/year. It can be done.
Some ideas to make sure you can save money while you
are still working to make debt payment easier:
Do once a month cooking so you always have food
thawing and ready to cook when you get home. That
could in itself cut your food bill in half.
Hope that helps
Good luck,
Samantha
__________________________________________________
Do You Yahoo!?
Get email at your own domain with Yahoo! Mail.
http://personal.mail.yahoo.com/
> likely have to continue working this year. Try toThis is to inpire you hopefully. We were able to
> get a large portion
> of our debt behind us. My oldest, who will be in 1st
> grade this Sept
> will probably have to go to public school until my
> husband and I
> really know that she is not enjoying it and/or
> learning something. If
> anyone has any other guidence, please let me know.
eliminate 12,000 in credit debt and save money in
about 2 years time with only one income of about
45,000/year. It can be done.
Some ideas to make sure you can save money while you
are still working to make debt payment easier:
Do once a month cooking so you always have food
thawing and ready to cook when you get home. That
could in itself cut your food bill in half.
Hope that helps
Good luck,
Samantha
__________________________________________________
Do You Yahoo!?
Get email at your own domain with Yahoo! Mail.
http://personal.mail.yahoo.com/
Valerie Stewart
The Tightwad Gazette is great. (but no, you can't have mine) Try Mary Hunt's
"The Complete Cheapskate". It's current. She was over $100,000 in debt and
managed to work her way out of it and is now completely debt free.
Also I recommend Consumer Credit Counseling. It's free! They were a huge
help to us when my husband was out of work while I was pregnant with my
2nd...and our health insurance suddenly decided they wouldn't cover our
midwife...and the car broke down...we actually came within hours of
foreclosure proceeding starting on our house. What a year. Anyway, CCC saved
us from the wolves. They work with your creditors and lower balances or at
least lower payments. They also have good advice (no preaching) on getting
by.
I understand about the insurance. I kept working when I had just one child
partly because my insurance was so much better. But after awhile, it just
wasn't worth it. It comes down to: How much suffering can you stand before
you're willing to change your situation? I'm not trying to say that in a
superior way. I just can't think of a better way to put it. And again, this
is a "been there/done that" for me. We are not rolling in money now, either.
In fact, my husband just walked away from his last job a week ago. It was
destoying his health. Now he is happily unemployed and we are over $140,000
in debt including the mortgage. <yawn> It will work out...it always does and
for the best, too.
There are many home-based businesses. Too many probably. Or work that is
off-hour (nights, etc). Perhaps there's something out there for you or your
husband. Good luck.
Valerie in Tacoma
"The Complete Cheapskate". It's current. She was over $100,000 in debt and
managed to work her way out of it and is now completely debt free.
Also I recommend Consumer Credit Counseling. It's free! They were a huge
help to us when my husband was out of work while I was pregnant with my
2nd...and our health insurance suddenly decided they wouldn't cover our
midwife...and the car broke down...we actually came within hours of
foreclosure proceeding starting on our house. What a year. Anyway, CCC saved
us from the wolves. They work with your creditors and lower balances or at
least lower payments. They also have good advice (no preaching) on getting
by.
I understand about the insurance. I kept working when I had just one child
partly because my insurance was so much better. But after awhile, it just
wasn't worth it. It comes down to: How much suffering can you stand before
you're willing to change your situation? I'm not trying to say that in a
superior way. I just can't think of a better way to put it. And again, this
is a "been there/done that" for me. We are not rolling in money now, either.
In fact, my husband just walked away from his last job a week ago. It was
destoying his health. Now he is happily unemployed and we are over $140,000
in debt including the mortgage. <yawn> It will work out...it always does and
for the best, too.
There are many home-based businesses. Too many probably. Or work that is
off-hour (nights, etc). Perhaps there's something out there for you or your
husband. Good luck.
Valerie in Tacoma
B. Van Brunt
That's what we've done for the last year. I work full time because the
salary base in my field is higher than in his. He has been working part time
some to bring in some extra money, but our schedules are staggered so one of
us is always able to watch the kids (they are 2 1/2 and 1). This has been
very hard, we don't get to see each other nearly enough and are both
drained, but it has meant that our kids haven't had to go into daycare (not
an option, as far as we're concerned) and we've been able to pay down a very
large credit card debt. Now that we've busted our butts for the year, I'm
going to go back to being the one home and he's going back to full-time
work. I may still need to work some, but we will play that by ear. For us,
it was a matter of deciding where our priorities were and making sacrifices
to meet them.
-Bethany
----Original Message Follows----
From: Sarah <sld29@...>
Reply-To: [email protected]
To: [email protected]
Subject: Re: [Unschooling-dotcom] earning a living too
Date: Tue, 03 Apr 2001 09:58:57 -0700
Since insurance is through you at the moment, maybe your husband would
like to stay home for a time to unschool? Does he have any skills that
he could use in a telecommuting fashion?
http://telecommuting.about.com/smallbusiness/telecommuting/cs/jobsmisc/index.htm?rnk=r2&terms=telecommuting+jobs
Check out and read the book Shattering the Two-Income Myth: Daily
Secrets for Living Well on One Income. It has a lot of tips on living
close-to-the bone.
Consider consolidating your debt. Or use a service such as
http://www.consumercredit.com/?AID=545531&PID=96600
Even a second mortgage could pay off your debt and lower your monthly
expenditures.
Do you sew? Start a cloth diaper business or a fleece hat business.
Do you type? Start a super sec business from your home. Go to the
college and ask to be on their master's thesis typing list.
Are you good with kids? Start a daycare.
Do you like to garden? Start an organic herb business, or perennials.
Do you have a college skill? Editing? Soil analysis? Art?
Start a kids art day on Saturday's at a community building. Charge for
time and materials.
Rally your family together and start a play or puppet show.
Do you know how to play a musical instrument? Teach lessons.
Start a card business, a meals on wheels service, a nonprofit
thriftstore to help battered women.
You get the idea.
Homeworking sites:
http://homeparents.miningco.com/parenting/homeparents/msub3.htm
http://www.homeworkingmom.com/
http://www.HBWM.com/
frugality and simple living:
http://hometown.aol.com/DSimple/links.html
Good luck! And keep those babies home!
Sarah
tgraves@... wrote:
Get your FREE download of MSN Explorer at http://explorer.msn.com
salary base in my field is higher than in his. He has been working part time
some to bring in some extra money, but our schedules are staggered so one of
us is always able to watch the kids (they are 2 1/2 and 1). This has been
very hard, we don't get to see each other nearly enough and are both
drained, but it has meant that our kids haven't had to go into daycare (not
an option, as far as we're concerned) and we've been able to pay down a very
large credit card debt. Now that we've busted our butts for the year, I'm
going to go back to being the one home and he's going back to full-time
work. I may still need to work some, but we will play that by ear. For us,
it was a matter of deciding where our priorities were and making sacrifices
to meet them.
-Bethany
----Original Message Follows----
From: Sarah <sld29@...>
Reply-To: [email protected]
To: [email protected]
Subject: Re: [Unschooling-dotcom] earning a living too
Date: Tue, 03 Apr 2001 09:58:57 -0700
Since insurance is through you at the moment, maybe your husband would
like to stay home for a time to unschool? Does he have any skills that
he could use in a telecommuting fashion?
http://telecommuting.about.com/smallbusiness/telecommuting/cs/jobsmisc/index.htm?rnk=r2&terms=telecommuting+jobs
Check out and read the book Shattering the Two-Income Myth: Daily
Secrets for Living Well on One Income. It has a lot of tips on living
close-to-the bone.
Consider consolidating your debt. Or use a service such as
http://www.consumercredit.com/?AID=545531&PID=96600
Even a second mortgage could pay off your debt and lower your monthly
expenditures.
Do you sew? Start a cloth diaper business or a fleece hat business.
Do you type? Start a super sec business from your home. Go to the
college and ask to be on their master's thesis typing list.
Are you good with kids? Start a daycare.
Do you like to garden? Start an organic herb business, or perennials.
Do you have a college skill? Editing? Soil analysis? Art?
Start a kids art day on Saturday's at a community building. Charge for
time and materials.
Rally your family together and start a play or puppet show.
Do you know how to play a musical instrument? Teach lessons.
Start a card business, a meals on wheels service, a nonprofit
thriftstore to help battered women.
You get the idea.
Homeworking sites:
http://homeparents.miningco.com/parenting/homeparents/msub3.htm
http://www.homeworkingmom.com/
http://www.HBWM.com/
frugality and simple living:
http://hometown.aol.com/DSimple/links.html
Good luck! And keep those babies home!
Sarah
tgraves@... wrote:
> A lot of people have given me some good information, however my_________________________________________________________________
> situation wont work with most of it.
Get your FREE download of MSN Explorer at http://explorer.msn.com
[email protected]
We had trouble living on one income too. My husband does get insurance from
his employer but we have to pay for a large part of it. He works in
construction and though we think he is worth a fortune his employer does not
pay him one. I think it is easier to economize when children are younger. A
fun day at the park thrills them and so does homemade playdough. But as our
children got older there were many things they wanted to do, classes they
wanted to take, hobbies they wanted to pursue. It got tiresome to always say,
we cannot afford it. So I began selling items on ebay and it has made a
difference. I am not getting rich but it has given us extra money to pay off
those bills and go to karate classes and etc. I have a friend who needed more
income too so she got a weekend job. May not seem like the greatest idea
since it takes away from family togetherness time but at least there is
always her or her husband home with the kids and they can continue to
homeschool. I know another homeschooler here who has a job every afternoon
and the kids go with her. Could you switch to just part time? I have a
neighbor who does country type crafts and makes a nice amount of extra money
at craft fairs. (personally I hate making crafts). Figure up how much money
you need to pay the bills and shoot to make that amount. If you are home and
willing you can save a lot of money. Baby-sitting expense for one. Food
expense for another. Working out Clothing, eating out, movies, etc. I think
it wasn't until they were teens that my kids ever wore anything but garage
sale clothes. And they still would but their sizes are hard to find. Really
think hard about what you can cut out. You may be surprised.
Candy
his employer but we have to pay for a large part of it. He works in
construction and though we think he is worth a fortune his employer does not
pay him one. I think it is easier to economize when children are younger. A
fun day at the park thrills them and so does homemade playdough. But as our
children got older there were many things they wanted to do, classes they
wanted to take, hobbies they wanted to pursue. It got tiresome to always say,
we cannot afford it. So I began selling items on ebay and it has made a
difference. I am not getting rich but it has given us extra money to pay off
those bills and go to karate classes and etc. I have a friend who needed more
income too so she got a weekend job. May not seem like the greatest idea
since it takes away from family togetherness time but at least there is
always her or her husband home with the kids and they can continue to
homeschool. I know another homeschooler here who has a job every afternoon
and the kids go with her. Could you switch to just part time? I have a
neighbor who does country type crafts and makes a nice amount of extra money
at craft fairs. (personally I hate making crafts). Figure up how much money
you need to pay the bills and shoot to make that amount. If you are home and
willing you can save a lot of money. Baby-sitting expense for one. Food
expense for another. Working out Clothing, eating out, movies, etc. I think
it wasn't until they were teens that my kids ever wore anything but garage
sale clothes. And they still would but their sizes are hard to find. Really
think hard about what you can cut out. You may be surprised.
Candy
Sarah
Since insurance is through you at the moment, maybe your husband would
like to stay home for a time to unschool? Does he have any skills
that he could use in a telecommuting fashion? http://telecommuting.about.com/smallbusiness/telecommuting/cs/jobsmisc/index.htm?rnk=r2&terms=telecommuting+jobs
Check out and read the book Shattering the Two-Income Myth: Daily Secrets for Living Well on One Income. It has a lot of tips on living close-to-the bone.
Consider consolidating your debt. Or use a service such as http://www.consumercredit.com/?AID=545531&PID=96600
Even a second mortgage could pay off your debt and lower your monthly expenditures.
Do you sew? Start a cloth diaper business or a fleece hat business.
Do you type? Start a super sec business from your home.
Go to the college and ask to be on their master's thesis typing list.
Are you good with kids? Start a daycare.
Do you like to garden? Start an organic herb business, or perennials.
Do you have a college skill? Editing? Soil analysis? Art?
Start a kids art day on Saturday's at a community building. Charge
for time and materials.
Rally your family together and start a play or puppet show.
Do you know how to play a musical instrument? Teach lessons.
Start a card business, a meals on wheels service, a nonprofit thriftstore
to help battered women.
You get the idea.
Homeworking sites:
http://homeparents.miningco.com/parenting/homeparents/msub3.htm
http://www.homeworkingmom.com/
http://www.HBWM.com/
frugality and simple living:
http://hometown.aol.com/DSimple/links.html
Good luck! And keep those babies home!
Sarah
tgraves@... wrote:
A lot of people have given me some good information, however my
situation wont work with most of it.
Vaughnde Edwards
That would help. Or learn to live on 8,000 or less a year.
My daughter and I live on less than 800 a month. Just alittle over 750 a month.
You learn to make your own breads, bargain shop, limit your eating out to at
least once a month and go without a lot of amenities. Phone and Internet is not
an amenity as far as I am concerned. Its a necessity.
Jessica
-----Original Message-----. I will most
From: Samantha Stopple <sammimag@...>
To: [email protected] <[email protected]>
Date: Tuesday, April 03, 2001 9:46 AM
Subject: Re: [Unschooling-dotcom] earning a living too
> likely have to continue working this year. Try to
> get a large portion
> of our debt behind us. My oldest, who will be in 1st
> grade this Sept
> will probably have to go to public school until my
> husband and I
> really know that she is not enjoying it and/or
> learning something. If
> anyone has any other guidence, please let me know.
This is to inpire you hopefully. We were able to
eliminate 12,000 in credit debt and save money in
about 2 years time with only one income of about
45,000/year. It can be done.
Some ideas to make sure you can save money while you
are still working to make debt payment easier:
Do once a month cooking so you always have food
thawing and ready to cook when you get home. That
could in itself cut your food bill in half.
Hope that helps
Good luck,
Samantha
__________________________________________________
Do You Yahoo!?
Get email at your own domain with Yahoo! Mail.
http://personal.mail.yahoo.com/
Message boards, timely articles, a free newsletter and more!
Check it all out at: http://www.unschooling.com
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Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Tracy Oldfield
A lot of people have given me some good information,
however my
situation wont work with most of it. I will be going
out to look for
The Complete Tightwad Gazette for even more help. Does
anyone have it
that they might want to sell? Currently I earn just
about as much as
my husband. My employment covers the insurance. If he
chose to go
with his companies insurance, it will get just as
expensive as if we
went outside the system completely. Its just not worth
it. We have a
large morgage to pay off as well as credit card debt. I
will most
likely have to continue working this year. Try to get a
large portion
of our debt behind us. My oldest, who will be in 1st
grade this Sept
will probably have to go to public school until my
husband and I
really know that she is not enjoying it and/or learning
something. If
anyone has any other guidence, please let me know.
Move to a cheaper area and use the overflow from the
mortgage to pay off the cc debt. The thing about home-
ed is that it's a lifestyle as much as an educational
choice, and so you'd be making all kinds of adjustments
if you went ahead anyway... You don't <have> to have a
big mortgage, or two incomes now, really do you?
That's been a lifestyle choice. Unschooling's a
different lifestyle choice.
Tracy
however my
situation wont work with most of it. I will be going
out to look for
The Complete Tightwad Gazette for even more help. Does
anyone have it
that they might want to sell? Currently I earn just
about as much as
my husband. My employment covers the insurance. If he
chose to go
with his companies insurance, it will get just as
expensive as if we
went outside the system completely. Its just not worth
it. We have a
large morgage to pay off as well as credit card debt. I
will most
likely have to continue working this year. Try to get a
large portion
of our debt behind us. My oldest, who will be in 1st
grade this Sept
will probably have to go to public school until my
husband and I
really know that she is not enjoying it and/or learning
something. If
anyone has any other guidence, please let me know.
Move to a cheaper area and use the overflow from the
mortgage to pay off the cc debt. The thing about home-
ed is that it's a lifestyle as much as an educational
choice, and so you'd be making all kinds of adjustments
if you went ahead anyway... You don't <have> to have a
big mortgage, or two incomes now, really do you?
That's been a lifestyle choice. Unschooling's a
different lifestyle choice.
Tracy
[email protected]
--- In Unschooling-dotcom@y..., "Tracy Oldfield"
<tracy.oldfield@n...> wrote:
neighborhood. We like our neighborhood. We purchased our house as a
fixer upper, so it is already worth a lot more than we paid for it.
It would be more expensive for us to rent too. You are right, its a
lifestyle choice, this one we would not change though. thanks for
your input though. I have not given up on the idea of unschooling.
Looking and researching all the possibilities right now. That is why
I love this site.
<tracy.oldfield@n...> wrote:
> >Moving to a cheaper area would mean putting us in a worse
> Move to a cheaper area and use the overflow from the
> mortgage to pay off the cc debt. The thing about home-
> ed is that it's a lifestyle as much as an educational
> choice, and so you'd be making all kinds of adjustments
> if you went ahead anyway... You don't <have> to have a
> big mortgage, or two incomes now, really do you?
> That's been a lifestyle choice. Unschooling's a
> different lifestyle choice.
>
> Tracy
>
neighborhood. We like our neighborhood. We purchased our house as a
fixer upper, so it is already worth a lot more than we paid for it.
It would be more expensive for us to rent too. You are right, its a
lifestyle choice, this one we would not change though. thanks for
your input though. I have not given up on the idea of unschooling.
Looking and researching all the possibilities right now. That is why
I love this site.
DiamondAir
> From: tgraves@...When we were in that situation, my husband took a job that was at nighttime.
>Currently I earn just about as much as
> my husband. My employment covers the insurance. If he chose to go
> with his companies insurance, it will get just as expensive as if we
> went outside the system completely. Its just not worth it.
I worked the day shift, he worked the night so one of us was always home. It
wasn't the greatest (I would've preferred not to work at all) and in fact at
some points it was just downright terribly hard to be away from my son, but
it was the best situation we could come up with until we got to the point
where we didn't need both incomes.
>We have aSome ideas - consolidate your debt with a home equity loan, go through
> large morgage to pay off as well as credit card debt. I will most
> likely have to continue working this year. Try to get a large portion
> of our debt behind us.
consumer credit counseling, try to figure out where you can totally cut back
so you don't continue to increase your debt. If mortgage is such a problem,
is there any way you can move to a less expensive area? Our move last year
took us from an area where houses were about $400,000 to one where you can
get a house for $100,000. Making such a move can reduce drastically or even
eliminate a mortgage.
> My oldest, who will be in 1st grade this SeptWell my only guidance would be to see what you can do to avoid this
> will probably have to go to public school until my husband and I
> really know that she is not enjoying it and/or learning something. If
> anyone has any other guidence, please let me know.
situation. Personally, I believe that school is demoralizing, debilitating,
and destroys a child's ability to learn on their own - even for kids who
excel at it. It takes a lot of time to "deschool" (as many parents on this
list can attest) and so if you can avoid going through this, I would do so.
If you can't work it out to have one parent at home, are there any charter
schools in your area? Perhaps you have an option for a Waldorf or other
school that will have less of a negative impact than a traditional public
school? I realize that I come from a pretty radical bent, but I do think it
is worth not brushing this issue off, but instead giving it some serious
thought and brainstorming to see if you can come up with a better solution.
Perhaps you could share a nanny or tutor with other families for the hours
that you are not able to have a parent at home? There's a homeschooling
family I know who does this - both parents work different shifts but they
have a few hours a day where they are both gone and they do a nanny share.
Just some ideas to pursue..
Blue Skies!
-Robin-
Mom to Mackenzie (8/28/96) "My pants are outgrowing me"
and Asa (10/5/99) "Potty pee! Potty pee! Potty pee!"
http://www.geocities.com/the_clevengers Flying Clevenger Family
Tammy Graves
Thank you for your information. I'm not sure if the credit card consolidation
would work or not because we really only have 1 now in use (we already combined
all the other debt to this one card with the lowest finance charges and other
benies) Its just that one is going to take us a long while to get under handle.
I really do not want to work different shifts than my husband, I think that
alone will cause a lot of emotional problems for us. I will be looking into
trying to find something from home that I could do for up to 20 hrs/wk if for
any other reason to pay for medical/dental insurance that we would need to pick
up. Do you know any information regarding the tax issues when
homeschooling/unschooling? Are we allowed to get the same benefits or deductions
as a ps?
would work or not because we really only have 1 now in use (we already combined
all the other debt to this one card with the lowest finance charges and other
benies) Its just that one is going to take us a long while to get under handle.
I really do not want to work different shifts than my husband, I think that
alone will cause a lot of emotional problems for us. I will be looking into
trying to find something from home that I could do for up to 20 hrs/wk if for
any other reason to pay for medical/dental insurance that we would need to pick
up. Do you know any information regarding the tax issues when
homeschooling/unschooling? Are we allowed to get the same benefits or deductions
as a ps?
Tracy Oldfield
Moving to a cheaper area would mean putting us in a
worse
neighborhood. We like our neighborhood. We purchased
our house as a
fixer upper, so it is already worth a lot more than we
paid for it.
It would be more expensive for us to rent too. You are
right, its a
lifestyle choice, this one we would not change though.
thanks for
your input though. I have not given up on the idea of
unschooling.
Looking and researching all the possibilities right
now. That is why
I love this site.
Would a flexible remortgage be an option then? I know
the rates are much lower here than for credit cards and
other unsecured loans... Use the extra value of your
home to reduce the interest rate on your debt... We
had a 'fixer-upper, we thought we'd done a lot to it,
we ended up selling it for a few thou less than we
thought it was worth :-(
Ah, well, live and learn, huh? It might look like I'm
one to talk, when i don't know what we're doing with
our money, but I'm not like most of the neighbours who
have bigger houses but aren't around during the day to
live in 'em, like what is the point...
*grin*
Tracy
worse
neighborhood. We like our neighborhood. We purchased
our house as a
fixer upper, so it is already worth a lot more than we
paid for it.
It would be more expensive for us to rent too. You are
right, its a
lifestyle choice, this one we would not change though.
thanks for
your input though. I have not given up on the idea of
unschooling.
Looking and researching all the possibilities right
now. That is why
I love this site.
Would a flexible remortgage be an option then? I know
the rates are much lower here than for credit cards and
other unsecured loans... Use the extra value of your
home to reduce the interest rate on your debt... We
had a 'fixer-upper, we thought we'd done a lot to it,
we ended up selling it for a few thou less than we
thought it was worth :-(
Ah, well, live and learn, huh? It might look like I'm
one to talk, when i don't know what we're doing with
our money, but I'm not like most of the neighbours who
have bigger houses but aren't around during the day to
live in 'em, like what is the point...
*grin*
Tracy
Nancy from MI
Hi, Tammy!
I have the first two Tightwad Gazette books. They are yours, if you
want them. My husband and I each had them before we got married, hence
we have two copies of each.
E-mail me at hammondcentral@... if you're interested.
~Nancy
I have the first two Tightwad Gazette books. They are yours, if you
want them. My husband and I each had them before we got married, hence
we have two copies of each.
E-mail me at hammondcentral@... if you're interested.
~Nancy
--- In Unschooling-dotcom@y..., tgraves@s... wrote:
> A lot of people have given me some good information, however my
> situation wont work with most of it. I will be going out to look for
> The Complete Tightwad Gazette for even more help. Does anyone have
it
> that they might want to sell? Currently I earn just about as much as
> my husband. My employment covers the insurance. If he chose to go
> with his companies insurance, it will get just as expensive as if we
> went outside the system completely. Its just not worth it. We have a
> large morgage to pay off as well as credit card debt. I will most
> likely have to continue working this year. Try to get a large
portion
> of our debt behind us. My oldest, who will be in 1st grade this Sept
> will probably have to go to public school until my husband and I
> really know that she is not enjoying it and/or learning something.
If
> anyone has any other guidence, please let me know.