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If You Put the Kids in School and Get A Job You’d Have More Money

get a job

How’s that for an answer to your money problems?

Or maybe you’ve heard these:

“Just work more hours.”
“Sell your house and get a small apartment.”
“Get rid of the internet.”
“If you’d sell your car you could pay off your debts.”

Yes, it is true, many people would benefit financially from selling their house and moving to an apartment in town.  Some may need to work more, cut expenses or sell personal property but they aren’t for everyone.  Unfortunately, these blanket statements are not a one-size-fits-all solution to gaining control over the family finances.

Since my time as a financial coach through Mvelopes I have seen lots of different families in many different seasons of life; homeshooling families, empty nesters, career families, large families, small families and everything in between.  Besides the basic biblical principles of stewardship there is no one solution to budgeting.

Let me first address these judgmental comments.

If you’ve been on the receiving end of these statements from a judgmental source please, ignore the judgment.  I know that is hard to do especially if the judgment comes from family or a beloved blogger that you respect.  Only you, or you and your spouse, along with God, can know what is best for your family. Us mamas can be very quick to start a mommy war over what we are passionate about but don’t allow anyone to influence you without taking their comment or suggestion to your husband and God.  

You may seriously need to consider an extreme measure to help with your finances but don’t take it out of guilt, condemnation or because you were strong-armed.  Also remember that sometimes people just don’t know how to communicate.  They don’t know how to say things without sounding judgmental or condescending.  See past that and take their comment to God.  And pray for them.  

Things to Consider Before Taking Extreme Measures

Before you consider a major change to help out your finances be sure to give it much prayer and consider all sides.

For argument’s sake (well, not really…I don’t want to argue….) let’s look at the “get a job” statement.  If you really were considering a putting the kids in school here are some things to consider.

  • Where would they go after school – would there be an expense?
  • How much gas would you spend to and from work including dropping off and picking up kiddos?
  • What would uniforms or new clothing for the job cost?
  • What school expenses would you have? (Tuition, lunches, uniforms, etc)

Consider these additional expenses in relation to what you would bring home (your net not your gross pay) and see if it is financially worth it.

On the other hand, consider the cost. What would going back to work cost your family? I am not talking about money now. I am talking about the spiritual health of your family and the climate of your home.  I do not recommend taking or leaving a job without prayerful consideration.

It may be that taking a job is what you need to do, even if only for a season, but do not take a job due to the judgmental comments of another.  

I would offer up the same advice to those told to “take more hours.”  If you are working and feel that you are keeping a balance between work and home, job and family, than you are in the right place.  If you step out of God’s will and work more to earn more chances are you will loose this balance.  Why? Because if God does not give you the go ahead to work more hours you are out of His will.

As far as the other extreme measures, here’s a quick list of what you should do:

  • Pray
  • Research
  • Pray
  • Act accordingly

Remember everyone’s idea of “extreme” is going to be different. Extreme could be cutting paper product usage, cutting home phone and using only cell phones (we’ve have done this) or even tracking your trash to see how much you’re wasting.  Don’t let anyone else squash your “extreme” if it is what your led to do.

Remember, always research, always pray and never make decisions due to judgmental peer pressure….in person or on the other side of the screen.

What extreme measures have you considered taking? Did you follow through or realize they weren’t worth it in the long run?

 

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Comments

  1. Amen! Granted, I DO work full time outside of the home, as well as selling Avon. My husband works more than full time most weeks. And we are on a tight budget. We don’t go for a lot of frills. We don’t eat out, have cable or satellite, buy new cars, etc. But we DO spend a lot of time with our kids, talking about God & using their every day experiences to teach them how God relates to the real world. It works for US! And if you’re doing your best to give your children a servant’s heart, then GOOD FOR YOU!! I’ve been a stay at home mom, but my husband was always away for work. That didn’t work for us. He took a pay cut so that we both could be home all of the time. We felt that was more important. Love your blog!

  2. That’s my m-i-l’s line: just put the kids in school and get a real job, because it’s not fair that my husband is the only breadwinner. ARGH. All the websites say to sell a car, or cut expenses, or eat rice and beans. We live outside a public transportation area, and driving the family vehicle to work would cost more than a car payment, we’ve already cut out everything except power and internet, and we are already at rice and beans. Sometimes it’s just plain HARD, and stupid judgmental comments from people who are supposed to be compassionate is so frustrating!

    • Hold the rice…just eat beans.

      No, I’m kidding. Stay faithful and press on. Ask God to show you what else you can do, otherwise keep your head up mama! You’re children are blessed to have you home….beans and all!

      • With our current situation my mil has also voiced me not working. Cause I’m at home with 3 kids. I could have gone back to work and brought in $340/mo after preschool and childcare and gas. That was not worth the emotional and convenience food strain on our family.

  3. I found you from blogolina. I really love this post! Especially love that “pray” is listed twice on your quick list. 🙂

  4. We go without. Our living room couch, basement couch and rocking chair all came from the side of the road (and they look like it too!). Our house is undecorated. Most of my husband’s t-shirts he got for free here and there. But we’re okay with all of that. For us, me being able to stay home is top priority. We’ll have nice things someday, but having nice things really isn’t our goal in life.

  5. Thank you for sharing on the #Throwback Thursday link up. My husband and I are looking for ways to cut back since my daughter started college.

  6. Thanks for joining in at #throwbackthursday !

  7. I can’t tell you how many times the title of your post has gone through my mind . . .
    With God’s help, we have stayed the course with homeschooling for over 15 years, and He continues to provide in amazing ways. Your words today at Fellowship Friday were a blessing!

    • Danielle says:

      Thank you Michele. I am so glad God has blessed your family as you’ve followed His will for your lives!

  8. I agree with you on not making rash decisions regarding your finances until you have considered the bigger picture, often there are expenses that you need to take into account and it is important that it is the right decision for you and your family. If both parents work, who is going to raise your children, who is going to influence their choices, if working is the right option for your family then work if not find ways in which you can manage staying at home with your kids.

  9. I love this sentence: ” Besides the basic biblical principles of stewardship there is no one solution to budgeting.” I’ve been told a lot of those phrases…and none of them work for us. I had an out of state relative once tell me that I just needed to get a job, watching kids in my house even. Well, every state had different rules on that. It works for her…but my state has much stricter rules on in-home daycares. Would not work for me. But you are right. There was so much judgement in her tone and words. I have learned to ignore that but it has taken a lot of time for me to do that. 🙂

    (visiting from Fellowship Fridays)

    • Danielle says:

      Lots of women find home daycare a double-solution: They are home with their child, earning income and providing a safe place for a few other children (okay, 3-fold solution) but you’re right, it isn’t for everyone.

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