Anybody have kids AND money?

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Originally Posted by jim

Here's a suggestion for you and everyone else with children. Look in to a nanny. My sister back east (nothings cheap) is able to have a in home nanny, till 5-6pm, for way less than $1200 a month, for 2 kids.
There's college girls, and seniors who are available for a very good price with great references.

As hokey as it sounds. Consider the nany forums like a gun forum , for child care. PLUS your children are in your house. This reduces the cross contamination, of an after school scenario.
AND going way out there. if a SHTF happened you know exactly where they are



http://www.babysittersregistry.com/n...mpaign=nannies

http://www.indeed.com/q-Nanny-Share-...,-CO-jobs.html

http://www.sittercity.com/?pc=mnan&u...find-nannies|7

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I am actually looking into this now. Even with just one kid it almost makes sense. Especially if I need to work late at the shop some times.

No kids but 2 mortgages. Hope to sell the wife's condo soon and be done with it. It's currently a rental, but we just lose less money than before.

Mrs. HoneyBadger and I both work full time jobs and pay about $700 a month for 45 hours a week of childcare. Sometimes it seems really hard to get ahead when we have more months than not when we can't add anything to the meager savings account.

have you heard of www.youneedabudget.com ?
Or how about:
http://www.daveramsey.com/new/baby-steps/

I've got three and all the money I need.

Two kids; one teenager and one toddler. No money, probably for the next 15 years.

Some great advice in this thread.

Best thing a person can learn is to be honest with themselves in regards to needs and wants. Want to get out of debt, well start with vehicles. If you're paying on them sell em and buy something out right. When you eat out don't buy drinks, it usually shaves 15-20% off a ticket. Also look at things that have hidden charges and stop using them. Look at debit card withdrawls, or if your bank account has monthly fees and switch a Credit Union that doesn't have the same fees. Coupon. End of the day the desire to be debt free needs to out way the desire for the new gun, fly rod, shoes, ect. Personally having gotten into CC problems in my early 20's I avoid debt. Only thing I feel good about going into debt for is school and that is going to be paid off in 18 months too.

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Originally Posted by JohnnyEgo

Two kids; one teenager and one toddler. No money, probably for the next 15 years.

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Yep me too with one in the middle (10 years old).

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Originally Posted by PugnacAutMortem

Holy crap...tell me about this setup you have please. If we could do something like that we could start really cranking on our debt situation.

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I should have clarified better. Its in home daycare, just not our home.

We lucked out. Daughter joined the .mil after HS. Eloped , divorced, college courses for degree. All on her own dime. Had she done the usual "I'm getting married and this is the wedding we want"" I am going to college" we'd still be paying it off.
Times were tight while she was growing up, being in between jobs i delivered newspapers, bill collector, anything to put food on the table. I don't know how any of you with more than 1 child manages.

We did make sure any debt we incurred, was one that could be paid by having 1 income and not both of ours. Budgeted any "loans" to be less than a $xxx per month.

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Originally Posted by Jamnanc

I've got three and all the money I need.

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You are very lucky then.