Tuesday, June 3, 2014

How To Survive And Thrive On One Income {Part Two}




Just in case you missed Part One of this post, for goodness sakes go back and catch up! Here's a link to that post. And now


2. You've Got To Peel Off Those Layers

 The question I've been asked more than any other is "how do you all survive on one income?" and "how can you afford to stay home with your kids?". I always look at them in amazement when they drive away in their 2013 Tahoe, and my kids and I drive away in our 2001 Honda, because it seems so simple to me but yet so complex to them. As they book their third trip to Disneyworld and I know that our seven year old has never seen it and probably never will, I laugh. An onion before it's ever peeled is their life and the inner core is mine. Is that a bad thing? Absolutely not! It's just our way of life, our lifestyle. You've got to be willing to peel off those outer layers. You may not have a new car or take expensive trips, but usually somewhere in your lifestyle you can find places to cut back. As hard as it is to believe, life is great without all that stuff. In our family, we don't just do nothing and have nothing. We had to learn how to make swaps. We don't hardly ever all go to the movie theatre, but we do rent a movie on Amazon and have movie night here at home. We got rid of cable t.v.{and have never been sorry!},and instead we watch shows with an inexpensive Netflix subscription. Get rid of as much as you possibly can. When you get to the innermost layer, what's left is you and your husband and your children. Nothing else. And that has to be enough and everything to you. 




If you are working now, you and your husband have got to write out on paper how to whittle away the un-neccessaries from your life so that your husband's income will be enough, and not just barely enough, but plenty enough. You may have to pay off some debt or sell a car or anything else that will help you reach your goal. Two cars are nice, but usually, totally not necessary. Cancel any and all vacations for a while. Remember that you have to live like the core of the onion. Over time you may be able to add some layers back on, but right now your life should be good enough just looking like the core. When it all seems too much and too hard, remind yourself why you are taking on this task. You want to be at home to be the best wife and mother that you can be. God gave us a task when we first became a wife and more tasks when we became mothers. Running a household is a full time, labor intensive job. In my opinion, it was never meant to be tackled with part time hours, the time we have left over after coming home from our "real" job. Depending on the amount of stuff you have to get rid of or pay off, this step may take you quite a while. That's o.k. You didn't get in this place overnight and you're not going to climb out overnight either. Stay focused on the prize. I promise you that all the sacrifice is worthwhile. I wouldn't change a single second of being home with our four children. Was it super hard sometimes? Yes! But don't all the best things in life have a price? 

In Part Three we'll be talking about SHOPPING! You won't want to miss that post! See you tomorrow morning everyone......

1 comment:

  1. Amy,
    You need to link these posts on to some parties so others can benefit from them!!
    Yes, I have worked full time for 36 years so my situation is very different from yours but your expertise in this subject can not only be applied to being a Stay Home Mom , which by the way, I would have loved to have been able to do, but to those of us who are looking at retirement in a few years.
    What you mention in this post are things that my hubby and I have been doing to prepare for retirement. We have consolidated our debt and will have EVERYTHING paid off in a few years just prior to retirement.
    We have also considered going to 1 car . We need 2 cars for our jobs. We stopped getting new cars every few years quite some time ago and now will run our current cars until they can run no more!!!
    Thanks so much for this series!!

    Hugs,
    Deb

    ReplyDelete

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