Anonymous wrote:Anonymous wrote:Anonymous wrote:How high of a mortgage are you talking? One option is to downsize--lots of options open up when you don't have a huge mortgage. One person can stay home, work PT etc. It makes a huge difference in quality of life.
But we are not asking for examples of how people SAH or go PT: we wanted to know what people who are doing our same plan (two FT WOH jobs, no family/nanny) are swinging it? Are we outliers or all everyone feels in this mad shuffle like us? ANd if not: tipsSuggestions to move and go SAH/PT are not really the direction we are leaning unless really have to.
Are you outliers? No. People do this all the time. DH and I both WOH FT. Nearest family is 5+ hours away.
Have you created a safety net of childcare to replace family. Do you have a list of at least 3 babysitters you can call? Is at least one of them a high school student who would also be off on random snow days, teacher work days, etc.?
Establishing boundaries also makes a huge difference. Is your job really so critical that you just have to be online in the evenings or weekends? It's doubtful that's the case. If you leave work at the door then you'll find that your home life is much less hectic.
FWIW, I'm an attorney. My clients know that I'm not available in the evenings or weekends unless we have prearranged something. They know that my computer is shut down on Friday evening and not opened back up again until Monday morning. I disabled work emails from my phone. In my 15 years of practice, I have lost one client because they wanted someone to talk to on the weekends. That's it. There might be some grumbling and complaining, but in general people will respect your boundaries. You just have to put them up and enforce them.
Anonymous wrote:Anonymous wrote:I would suggest getting an au pair, kids can be picked up by her for their after school activities and she can do the daily tidying up of kitchen etc. and laundry probably. Do a lot of take aways, or also ask the au pair to cook for an additional allowance perhaps. Plus keep the weekly cleaning lady.
I have a baby and a 3 year old, have a weekly cleaning lady, have home food delivery service (already cooked) and a couple babysitters available (university students) for emergency situations. Lower HHI than yours and also a huge mortgage, but we see our home as our investment.
Which home food delivery service do you use? It sounds like this would help a lot.
Anonymous wrote:Anonymous wrote:How high of a mortgage are you talking? One option is to downsize--lots of options open up when you don't have a huge mortgage. One person can stay home, work PT etc. It makes a huge difference in quality of life.
But we are not asking for examples of how people SAH or go PT: we wanted to know what people who are doing our same plan (two FT WOH jobs, no family/nanny) are swinging it? Are we outliers or all everyone feels in this mad shuffle like us? ANd if not: tipsSuggestions to move and go SAH/PT are not really the direction we are leaning unless really have to.
Anonymous wrote:Anonymous wrote:Anonymous wrote:Op, what is your HHI? I work a very low paid part time job so I can be home in the afternoon for the kids. It hurts my ego to have such a low paying job after all the education I worked hard for, and we don't take fancy vacations or have the kids in as many activities as they want, but it has been worth it for us. The balance would be too hard otherwise.
$200k, we know it's not bad, but have a VERY expensive mortgage to keep commutes under an hour. All my co-workers live out in Howard county etc and commute 1 hr+. Most of them have parents living with/near them to help with kids.
Pretty sure can't swing house manager with current budget, and cutting salary 20% will mean moving and the non-telework spouse commute time will escalate -- not sure if that will help?
Oh, and salaries are 50/50 HHI -- so no obvious choice on which job to cut back on (other than for all other families it was the mom who did it)
Anonymous wrote:Anonymous wrote:How high of a mortgage are you talking? One option is to downsize--lots of options open up when you don't have a huge mortgage. One person can stay home, work PT etc. It makes a huge difference in quality of life.
But we are not asking for examples of how people SAH or go PT: we wanted to know what people who are doing our same plan (two FT WOH jobs, no family/nanny) are swinging it? Are we outliers or all everyone feels in this mad shuffle like us? ANd if not: tipsSuggestions to move and go SAH/PT are not really the direction we are leaning unless really have to.
Anonymous wrote:Anonymous wrote:How high of a mortgage are you talking? One option is to downsize--lots of options open up when you don't have a huge mortgage. One person can stay home, work PT etc. It makes a huge difference in quality of life.
But we are not asking for examples of how people SAH or go PT: we wanted to know what people who are doing our same plan (two FT WOH jobs, no family/nanny) are swinging it? Are we outliers or all everyone feels in this mad shuffle like us? ANd if not: tipsSuggestions to move and go SAH/PT are not really the direction we are leaning unless really have to.
Anonymous wrote:How high of a mortgage are you talking? One option is to downsize--lots of options open up when you don't have a huge mortgage. One person can stay home, work PT etc. It makes a huge difference in quality of life.
Suggestions to move and go SAH/PT are not really the direction we are leaning unless really have to.Anonymous wrote:How high of a mortgage are you talking? One option is to downsize--lots of options open up when you don't have a huge mortgage. One person can stay home, work PT etc. It makes a huge difference in quality of life.
Anonymous wrote:Anonymous wrote:I don't think it's unusual. We don't have local family. We've met a lot of families in the same situation.
Agree, but I do know a lot of families who have more flexible options than sounds like OP (work from home, flexing schedules).