Re: Dave Ramsey Support Thread Oct 1 - Oct 7
Originally Posted by nhochs
I hope you don't mind if I join. We are 4 weeks in to FPU at our church and it has given me so much motivation. I have been following DR on the radio for the last 3 years or so but it's nice to actually get gazelle.
DH and I have some decisions to make after FPU and I'm so on the fence. The last 3 years I have been a SAHM to my 4 girls (16,12,3 and 2). My 3rd dd has a medical condition that needs weekly appointments and she attends a special needs preschool. We have a lot of debt. I mean a lot! We were like 25% of the total debt of our class.
Here it is:
Student Loans 84k
Credit Cards 30k
2nd Mortgage 25k
Medical bills 18k
Gross! My dh makes roughly 84k a year and we live on a strict budget but we aren't making much headway with all of our debt. The student loans are mine and I have a MBA. We need to decide if I should return to work. Looking at the numbers it's a no brainer but my dh and I are having such a hard time with it. The main concern is our dd and putting her in daycare. My initial thought is that I wait 2 years until she begins kindergarten then go back full time. But if I wait I feel like I'm hurting my family financially. I've thought about part time but with paying part time daycare costs it's almost a wash. I've been contacted by several companies I could expect to earn around $55k a year.
So help me please...what would you do? Am I being too emotional?
Could you work opposing shifts? Maybe no in your field but in somethign else? We work opposing shifts. He works W-S 6pm-2am and I work 6:30am till 5:15 PM M-T. It actually works out amazingly well. The only thing that SUCKS is when he gets stuck on a call and doesn't arrive home till right before I have to leave for work (hes a deputy). While I miss haivng days off with him I LIKE being home 3 days a week with my daughter all in a row (my old shift was s,sun, tuesdays off
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