My wife and I just had a baby and we are struggling financially. Combined, we make too much to qualify for any government assistance but with our expenses (car payments, insurance, rent) we won't be able to afford child care when my wife goes back to work.
Anyone else in a similar situation? How do you handle it?
Also, please suggest ways to make extra money!
Pic unrelated
OP here, my wife says she will send nudes for donations lol
You can look for a second job. That will keep you away from home from home for most of the day but it will pay the bills. You can also move to an area where the cost of living is much lower. It is possible to live in like montana on minimum wages and if you can make more, you can easily pay for day care.
Definitely and I have been looking. The main problem is that I don't get off from my day job until 7. Most places want you to start earlier. I've looked into uber/lyft but not sure if I would actually be able to make decent money compared to gas and effort put in.
We live in Florida
PRO TIP DON'T PROCREATE IF YOU'RE BROKE!
Fuck people are dumb.
Maybe you shouldn't do things you can't afford.
Stop buying shit you don't really need.
That's the way to do it.
Sugary snacks - nah
A new t-shirt that costs more than £5 - nah
Beer - nah, maybe a heavy session once every few months.
Any kind of smoking - nah
Hobbies - nah
Etc.
Not easy, but none of these things will hurt you other than making you a bit more bored. You have a kid anyway so that should be your main priority now, not yourself.
How
How much is too much for government assistance in Florida.
OP here
$RainyAndWet
Include your email and wifey nudes will be sent
This is a good way to cause problems with your marriage, as not being around much will breed resentment from your wife. I've seen iut happen many times
The kid was shit they didn't need.
Why should the taxpayers feed their kids. I don't remember putting my dick in his girl.
If there is no turning back then it's time to man up.
Being a real man is about sacrifice, plain and simple.
There are considerable rewards in it if you have the constitution to see it through.
How many pairs of shoes does your wife have? How many xbox/ps4 games do you own?
Did you vote for Trump?
muriKKKans is the dumbest
Please illuminate a lesser man on these rewards
>virgin advice
I was asking how much does he make to gauge how fucked he is. Just rephrasing what OP had said, didn't mean to trigger your virgin ass. Before you start telling everyone you "true" life story, no one cares. As for why are we paying taxes, we already pay taxes based on our income brackets dumbfuck, a percentage goes to this. If you know how to stop paying taxes, enlighten us.
>Why should mommy's taxes feed their kids.
Fixed that for you
Well, I made some sacrifices for my son and the maturity I enforced contributed to me getting a great job and spending much less time on frivolous shit.
I now own part of a successful engineering company, compete to a decent level in my sport, have a bi-lingual, kind son and a happy marriage.
Those are rewards, right?
Move into a cheaper apartment, finance a cheaper car (Nissan versa is $130 a month brand new), get a better job by working harder. Maybe get a second job unless it's to much stress to do good work at both. Stop spending money on small thing like fast food or anything else that's just a few dollars here and there. You can live on a single income at minimum wage full time if you don't waste money.
We make about 4300 per month gross.
Rent 1400
Cars 740
Insurance 300
Phones 140
Electric roughly 100
Health insurance 460
Groceries 150 - 200
Internet 80
Gas roughly 150 for both cars
Child care 960
This is average monthly expense, obviously smaller bills like Netflix and all but we're going to be canceling those accounts
Search for ways to make my money online. Ik there's a site which pays you for reviewing songs. The better the review the more money you get. It's a good bit of work for not that much. Search it up and see if u like it.
what race are you?
Also, we don't want government assistance if we don't need it. I am also a taxpayer btw, so I get it..
We're both white
Hi OP, sucks to hear that Yea Forumsro. If you spend some time researching and believe yourself capable enough, I would suggest investing in some safe bets. You won't make lots of money immediately, but as long as you invest safe you will increase what you put in. btw post wifes tits
good luck getting any government support then
your best bet is probably to hope andrew yang wins 2020
otherwise if you want real advice, move somewhere decent but low population like Cheyenne Wyoming if you can, rent will be cut in half at the very least
you spend way too much on cellphones
look into carriers like speed talk to make it cheaper
are those car payments?
I haven't heard of that before, do you know if they are in Florida?
Cut out the car payments, you can drive a beater around. You're already married, so there's no one to impress.
Yeah, we have looked at moving to another state. Biggest problem is that we have to uproot. Both of us have been here all of our lives, so we obviously would have to figure out new jobs and all. But we have been tossing around the idea of moving
Glad I'm not American if you are spending almost $1000 a month on insurance.
That would wipe me out straight away.
You have fucked yourself with the car repayments. That's probably an area where you can make changes, sell the casrs and buy something much less costly on a monthly basis.
Maye your wife can move to part time, that could cut down on the need for an extra car and childcare.
This.
I've been in exactly your situation. Do you buy coffee from a coffee shop every day? A newspaper? Sandwiches for lunch? Regular beer or wine in the evenings?
All that has to stop. If you don't believe me, write down everything you spend, or want to spend, if you're finding you don't have the cash in your pocket. You will be shocked what all the non-essential stuff adds up to.
Cut up your credit card. If you think things are bad now, you have no idea how much worse it will get if you start running up debts.
Again, if you don't believe me, get advice from a debt advice agency. There will be a non-profit somewhere who can do this for you.
Join the army reserve or national guard. Go away for about 6 months of entry training and get paid for that. Then you work one weekend a month two weeks/ year and get paid (decent little income boost) best part is health insurance through Tricare is $200/ month and you can shop at commissary/px and save money. Tons of military discounts etc.
It may actually be cheaper for you or your wife to work part part time, so you dont have to pay day care.
I've definitely thought about that as well. Biggest problem is that we have negative equity, so I would have to get someone to buy my car for what is left on the loan. Or take a huge hit for surrendering to the lender.
Yeah, definitely a struggle for me. My wife is good when it comes to that kind of stuff, but I work outside in the heat so I stop almost everyday and buy Gatorade and that kind of stuff
Hehe for sure. You gotta validate this existence somehow. I'm not entranced by the idea of having a kid but at least you're the real thing so that's doing the world a favor. Unless you're leaving out that you serve the kid before bed with that company logo whip you've got laying around the loft.
It really has.. We weren't planning on having kids when we got the cars but obviously things have changed now. I've been looking at getting a cheap, a to b car and trying to get rid of my current
why u asking us instead of dave ramsey idiot
Look into a city/county/state job. I know my county pays groundskeepers well. Fuckng jail cooks make 20$ an hour, plus that sweet retirement and your medical is covered.
This guy gets it. Both of my 15 year old cars run great and insurance is cheap.
Well that shit will give you diabetes anyway. Buy a big bottle of water for a couple of bucks, when it runs out, fill it up from the fawcett, never spend money on soda again.
And lunch, make your own sandwiches, alternate good stuff one day, cheese, eggs etc, with cheap crap, crab paste, whatever. Don't buy pre-packaged cold meats for sandwiches, cook a chicken.
this is good idea; plus you could probably get taught a trade job, if you pick a good one, that will transfer over to civi life and be able to make more income. You're house/apartment is expensive af. I'm sure you could find a cheaper area to live
one of you lose job. turn eligible. turn nigger. how do you think they do
Yeah man, the rent in this area is horrible.. the place we live definitely isn't with the amount we pay either
You’re in the awkward income bracket where you are being beneficial to society but can’t possibly survive. My wife and I went thru the same thing and we came up with the simplest solution...I quit my job. Now without having to pay for child care and getting government assistance we are way better off than we were before. I take an odd job now and then getting paid under the table helping with whatever needs done and I get to spend all day everyday with my daughter with subsidized rent and bills. Not planning to ride this long term I’m going to go back to school and try to make something off myself but for now being poor is way more comfy than barely surviving.
big thermos with water and another bottle that has both salt and sugar. boom, both drinking and ghetto gatorade. Add some mio for flavor.
Sandwiches from home with canned meat. When my dad divorced my mom and had to pay her alimony he pretty much lived off of canned foods to save money and pay it off quicker
4300 american dollars gross
lol
In brazil this is zillions
no wonder why you shoot kids at school, this is all in the stress
Ill drop you a few quid if you tell me what service this is.(don't judge me, I'm not a millenial)
Also no noods needed, just want to buy a struggling dad a drink.
Just fyi, that guy isn't op. But I appreciate the offer anyway, friend
Honestly, if your average car payment is 370/month then you need to trade in for cheaper models.
Or do one clunker that you either buy outright or have a very small loan on, and the other to be your main vehicle.
As the man, yes, you will be driving the clunker.
>retard response
at least pull out, dumb fuck, you brought this on yourself
It sucks because we also fell into the next tax bracket as well. Just got context, I am 25 and wife 23.
Family usually helps in situations like this. Otherwise, if you both work and don't qualify for aid even with the baby, you're living above your means. Cut expenses.
Pro cook here:
This guy is right. Roast your own meats and you will save a boatload on sandwiches.
If your combined is 4300 then that means you're both making minimum wage. Obviously at jobs with no health insurance.
You're paying too much for your cars and your insurance is outrageous $300 should be rental/homeowners and full coverage on two cars for SIX months or even a year.
obviously and clearly can't change what has already happened. I mean, just think, some other retard didn't pull out and then you were born.
I spend around $300 a month for insurance, medical/dental for a family of three, full coverage on two cars, and rental insurance. OP has a really shitty health plan, and either a ripoff car insurance or a bunch of accidents or traffic tickets.
sell your wife on craigslist
Let me guess, you have at least one nice car that your paying a shit ton for (all vehicles owned should be worth half your yearly income combined), your renting a place too expensive for you (30 percent of your take home pays tops), and you have a shit pay job.
Cars are average priced, place we live is definitely too expensive (as is everywhere in this town) and I make about the average median income for the city that I live in.
My wife quit work to stay with the kids until they're in school. We would have been paying around her wage for child care, and she gets to be the one to raise them 9-5, not some rando.
>quitting my job made my family more financially secure
Honestly good for you man, but fuck we live in a damned clown world.
I earn more that you and live in the UK, where good healthcare is free, but I definitely do a couple of things much now more cheaply, e.g. Phones - you can get some excellent Android ones for about £150 outright (get a good case for it, will last 2-3 years easily), and a decent amount of data for about £10 a month. Cars - mine's 13 years old. Your groceries bill is pretty good for a whole family.
credit snowball is for people who don't understand math.
You need to get rid of your car payments and just get health insurance for your wife and kid.
Find a toyota or honda in good shape for around 2000 bucks, you can find them. Childcare is sucking your cash too.
Do you have family that can watch the baby? If you do, i suggest relocating to be closer to family.
If only niggers and spics would take your advice...
I have no connection with family and both my mother and father in law work full time, so they can't help out with watching the little one.
user these are the struggles of every new parent. I was in the same boat 14 years and 3 kids ago, living in a shit apartment with a car I could barely keep running to get me to a crap job. Keep working, don't fuck up and always make forward movement. Everything else will fall into place. Life's rules are simple.
post income and monthly budget
Start your own business watch your kid while your wife works . Get a job that has a flexible schedule that you can do when your wife doesn't work. Cut every unnecessary expense. Sell your car to get rid of payments, buy a reliable beater. Tighten your belt and put in the work for the next 4 years. Once the kid is in school you can work more. Then keep it up until the kid graduates.
Call in and argue with Dave, I'm just telling user what works.
Already whoring your wife. Good.
And what does your wife look like
>This is a good way to cause problems with your marriage
Also, letting your wife send nudes to strangers in exchange for money.
Sell babby!
I went through this. You're better off having your wife stay home with the child... Both financially and emotionally.
> Make some drastic cuts, m8.
The dust will eventually settle and you'll be fine
get your wife selling underwear on various sites man! She'll make bank if she sells used undies, with photos of her and the kid with faces blurred to all the pervs
That's like 2000 a month per person.
500 a week
You both make 12.50 an hour? Why do you have multiple cars?
>1400 rent
Honestly just move to a place that isn't near a city. The jobs you'd give up are basically minimum wage anyway, it wouldn't be hard to find a replacement.
This sort of. Your wife should quit her job and stay home and raise the child. It's better for the kid, better for her and it may drop your combined income enough to qualify for assistance. I don't believe in welfare personally but if it exists and your paying for it via taxes and niggers take advantage of it, why shouldn't you? Cake other ankhs advice and ditch the expensive cars and insurance and other unnecessary bullshit. Next figure out what it will take for you to earn more and work towards that.
go to chaturbate and fuck yuour wife in a daily basis, bonus points that shes preggo.
I wonder how you interact in this cesspool of degeneracy and haven't noticed that weird stuff is hotter.
Stop voting for rich people
Women in the workforce, cause it's more important that women feel like they're equal to men than making sure at least one parent is at home actually raising the children.
Lmao amerimutt niggers just increasing the population even though they can't afford it and then they just blame the government instead of themselves
Get a part time job at ups! You throw boxes around for 3-4 hours a day, get teamster care (one of the best healthcare benefits out there imo), and there is always room for advancement in the company. Our drivers make six figures per year.
You don't need two cars.
Hey man. Married for two years. Have a 1.5 year old. You're gonna be just fine. Cut corners where you can. Your style of living is now all about making sure your little spawn is the most well taken care of person in your state. You and your wife will not spend very often together. Work two jobs, alternating schedules if you can. Rice and beans for you, healthy and DIVERSE diet for baby. Also remember that until they're about 1, their stomachs are too sensitive to acids. So when they start drinking juices (which you should water down by at least half) stay away from highly acidic fruits, same for when they start eating solids.
You can do it man. Be the man your girl and your baby need you to be. Do jobs for the MONEY and not the notion of whether it's fun or not. If ditch digging pays 12/hour and a fun job pays 11, you dig ditches.
How much debt do both of you have and what types of debt are they?
How much are your CORE living experiences (groceries, gas, rent, ect)?
What is both of your gross incomes ( pre taxes)?
What if the baby turns out to be a drug addict. Do I give him the drugs first or me
late term abortion