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We put off kids for a long time and money was a huge reason why.. So now that the deed is done, we have two incomes, a year of maternity leave through our unemployment insurance (all working Canadians have to pay.) At a year, we'll evaluate my mental health and decide from there if it's better I went back to work or if I should stay at home.
SO, Makes no money, Works his butt of but doesn't get paid but maybe 100 a month for it. So I'm left with all the costs of everything, ANd only get a couple days maternity leave so I can atleast stay afloat finacially.
I'm in Canada too so 55% of my income will come through for my year long maternity leave. My boyfriend makes a decent salary as well (it's not a lot but it's twice as much as my dad made and my mom made a bit babysitting when I was growing up). The health care system here is quite good as well and a lot of things are covered, except things like dental, as well as eyeglasses and cosmetic surgeries. However I'm still thinking about looking for a new job when I'm done maternity leave as neither my job nor my boyfriend's offers any kind of health insurance.
At the same time we both have a lot of debt to pay off, my credit is great though his is poor, and I'm going to open an account for the baby in the meantime. I'll be putting money into his savings account until it builds up, then once in awhile pulling some out to get savings bonds, stocks, and registered education savings plans. When I can get my debt under control (my parents have suggested they may give me some money to pay off a big part of it) I'll be looking at retirement savings, then stocks and bonds as well.
I'm turning 27 on Tuesday and my boyfriend is turning 31 in a few weeks so I want to get us started on savings and insurance. Also we're talking about buying a house but again, need to get our debt down more and his credit rating up. If my parents give me some money I'll apply it to the highest interest debt first (two credit cards), and we'll be getting a mortgage in my name only so we can get the best possible interest rate.
Mama to Monkey born Feb 24th, 2007, and Toddler born Nov 1st, 2005.
I will be a stay at home mom. Both my husband and I are in school right now so all we do is pay bills and buy groceries. We are used to not living on much. Plus, if we are making more we are spending more, especially on daycare. We will get our budget worked out to be saving money, especially for a down payment on a house.
I would love to be home at least part time. So we are goingdaycare to work toward that. I work full time & carry our ins & the steady income that pays the mortgages & bills. Hubby runs his own business out of the house & does fairly well, but it's not a steady paycheck. Thankfully his schedule is flexible & he can make his own hours, so he'll be the primary caregiver. Also my Mom just bought a house close to us & is changing to a job where she works out of the house as well, but won't have to go anywhere. So she has said that she can take the Baby if he needs to go to a client & I'm not home yet. So we won't have to worry about daycare & that expense.