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Making just a few painless sacrifices enabled me to return to work part time when my leave ended, cutting both my hours and my salary in half. As soon as you suspect that you don’t want to return to work after maternity leave, try living on one paycheck and banking the other. But what if you didn’t plan, and you’re weeks into your maternity leave before you realize that you want to stay home? What is your employer’s policy on maternity leave? Have you been collecting maternity benefits during your time off, or are you on unpaid leave, already essentially living on one salary? There is a constant temptation to wander there every time you’re bored, anxious or frustrated with an assignment, which is pretty much all the time. How much will you receive and for how long? How much does it cost to be a stay-at-home mom? But when we finally sat down together to really talk about our options, we were pleasantly surprised to find that there was hope for my new stay-at-home dream.
No, clearly my dry cleaning expenses were leading us down a path to financial ruin, and the only solution was to quit my job and stay home. If you’ve crunched the numbers and you’re just squeaking by on paper, will you and your partner have the self-discipline to curb your spending and change your lifestyle as needed to stay out of debt? Can you and your partner create a plan that allows you to stop working in six or 12 months, or can you work out a part-time schedule with your employer? What are the advantages of both parents working? Plasma cutters are not the only devices to harness the power of plasma. Construction companies use plasma cutters in large-scale projects to cut and fabricate huge beams or metal-sheet goods. In recent years, the cost and size of plasma cutters have dropped considerably, making them available for more personal projects. Neon signs, fluorescent lighting and plasma displays, just to name a few, all rely on it to get the job done. Could you get by with just one car instead of two if you weren’t working? Aside from giving up your salary, how else might your income picture change after you stop working?
And when you subtract that big number from your overall household income, the idea of living without it might seem impossible — at first. There are also compact, handheld units that you might find in a handyman’s shop. Plus, it’s easy to add, delete and modify your prospective gifts, so if you find a dinnerware collection later that you like more than those hand-painted plates, you can easily swap them out. Don’t forget to include any new expenses that you’ll have after the baby is born, like diapers, baby clothes and food, and doctor visits. If staying home is still your goal, chances are that the time you spend with your new baby will have you feeling more motivated than ever before to find a way to make it happen! Never mind that my salary at the time was higher than my husband’s, or that I worked in a casual office and spent less than $20 a month at the dry cleaner’s — usually on something not related to work.