Tag Archives: work

What to consider before a SAHM goes back to work

When a SAHM goes back to work, the pros and cons aren’t completely black and white. What then are some of the things that should be considered? And why am I even talking about this?

Well, even though I’ve LOVED my time as a SAHM for the last 6+ years, and even though I’ve defended my decision to be a SAHM (I’m a SAHM and No, We’re Not Rich), that ship is sailing. I never really planned on going back to work, but things here are changing.

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The kids are all going to public school next year, we just acquired a significant debt when purchasing our house, and although I can’t speak for my husband, the thought of living on an even tighter budget makes me feel a little sick inside. Not to mention we’re not exactly spring chickens, and the thought of not ‘owning’ our home until our 70s makes me feel even sicker.

The only logical solution for us was for me to go back to work.

There is so much to consider when job hunting. Just thinking of all the variables makes my head spin.

What I finally did was to write a list of all the things I had to consider when looking for a job.

  • Full-time or part-time
  • What are the hours?
  • Benefits
  • How would this affect my family?
  • Is this a short-term or long-term gig?
  • If it’s full-time, is there room for advancement?
  • What’s the pay? Is it salary or hourly?
  • What is the commute time?

These are the typical questions that people normally ask, but then there are the ones that aren’t often considered:

  • Is there mandatory overtime?
  • How much will the commute cost in terms of fuel and higher insurance?
  • Will I need to purchase a new wardrobe? How often will I have to purchase new clothing/shoes?
  • Will I need daycare and what will the cost be?
  • What happens when one of the kids is sick?
  • Will I have the support I need at home?
  • Are there any hidden costs (more meals out due to less time to cook)?
  • What are the tax ramifications?
  • How does this position make me feel? (Is it something I can excel at?)
  • Is this just a job or is it a career?
  • Do I want a job or do I want a career?

I’m sure there are even more questions that could be asked, but these are the main ones that concerned me.

These questions could make or break the viability of a job. For instance, there was a posting for a position as a bank teller for $10.14/hour for 25-30 hours per week. This position was 26 miles from my home with 3 out of 4 Saturdays a month required. The hours would vary, but would most likely be 3-4 days a week with hours between 8:30 am to 5:30 pm.

So, when I first looked at this, it looked pretty good. In today’s world, $10.14/hour doesn’t go that far, but I really wasn’t expecting that much after having been out of the job market for so long. But then I broke it down and analyzed it more.

  • $10.14 X 27.5 hours (average of 25-30 hours)= $275.20 gross
  • $29.99 in state and federal taxes would be taken out each week with FICA (Social Security and Medicare) is an additional 7.65% total for $21.05 for a total of $51.04. The new take home is now $224.16.
  • I know my truck gets an average of 18 miles per gallon and a round trip to this branch would be 52 miles. At 4 days a week, that’s 208 miles divided by 18 miles which equals 11.6 gallons of gas a week. Iowa’s gas right now is running about $3.50/gallon so $3.50 x 12 gallons (throw a little extra in there) is $42. The new take home is $182.16.
  • There’s also the added expense of more frequent oil changes and tire wear. Tires for my truck are $200 each plus mounting and road hazard so the total will be approximately $1000. I’ll need a new set every four years at the most making that about $5 a week I’ll need to put aside for tires and $10 a month for oil changes. Take home = $167.16
  • I also have to consider that my insurance may be raised too since the mileage to work and home will be 10,816 miles per year putting it into a higher mileage category as well as faster depreciation due to the higher mileage accumulated.
  • I will have to find some sort of after school program for Peanut and most likely Sweet Pea for the days that I have to work late since J doesn’t get home until at least 5:30 pm on the days he isn’t closing the store. The older boys will be in sports after school. Also, I’ll have to find a program for those school days that I have to work and the kids don’t have school and for breaks when the older boys go to their dad’s and Peanut is with us solo. The YMCA program costs $30 per week for after school care. Take home = $137.16
  • Lastly there is the issue of clothing. I have none that would be acceptable to work in a bank. Clothes could be thrifted for around $100 and shoes I buy new. That would be about another $100. Over the course of a year, that comes out to $3.85/week. Take home = $133.31 ($533.24 per month)

In the end, taking that job would have COST me $141.89 a week or $567.56 a month (including taxes)! That’s more than I would have been bringing home.

Now that I’ve bored you to death with my facts and figures, I want to throw this in there. There was also a job for barn help just 3 miles down the road from me. It paid $9 an hour. Sure the physical work would have been harder, and there wasn’t anywhere to be promoted to, but for the hours and the commuting time (or lack there of), I would have absolutely taken that job over a fancy office job any day.

What are your thoughts on these figures? Did anything shock you as to what the actual cost was (other than my tires…I know. Should have looked at that before I bought my truck)? Are there any other hidden costs I didn’t take into consideration?

Whatever happened to the SAHM going back to work?

Back a couple weeks ago, I wrote about what SAHMs needed to consider before they decided to go back to work. At the time, I had applied for and was waiting to interview for a job with a pretty large corporation.

There were several reasons I wanted to go back to work. I wanted to be able to have extra money to pay everything off early. I also wanted to finally get my career back on track, to live up to the standards I’d set for myself as an educated woman many years ago, and quite frankly, to finally have something that was just mine.

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I interviewed for the position the same day we closed on our house. I felt the interview went very well, and two out of the three managers I interviewed with stated that I did a fine job. But the third… I’m pretty good at reading people, and he just wasn’t into me at all. Perhaps I came off as too confident of my abilities (Some men just don’t appreciate a woman who can hold her own with men). Perhaps he didn’t get the feeling that I’d be a ‘part of the group’ as he kept saying was the key to being successful in the position.

Either way, I didn’t get the position. I was quite stunned as I was more than qualified (with one of the shift managers even telling me that I had more experience than he had in several areas!).

I was bummed because the job paid REALLY well, I would be in an environment that I was comfortable and one that I know I could be very successful in. The extra money was the biggest reason  though. That sure would have been really nice.

If I’m honest with myself, there were things that I was dreading about the job though. The 35 minute commute would really suck come winter especially considering that depending on what line I was working on, I’d have to be there at 3:30 a.m. or 4:00 a.m. And those hours. Ugh. I’ve worked them before, and it’s damn near impossible to have a normal home life when I’m going to bed at 7:00 p.m.

What happens now?

Well, I’m not sure. There are definitely other places I could apply. I could get a part time job in town just to bring in some extra money. I see the YMCA has openings.

Maybe I’ll wait until the kids go back to school and find something then.

Maybe I’ll sell my new truck so that money can be put back in the budget and buy me some time.

Maybe I should talk to my husband about it and ask him his opinion.

 

MIA in Blogland

Hi Everyone! I just wanted to fill you all in on what’s been happening here at Missy Homemaker and why I’ve been MIA in Blogland.

Packing has been in full swing here as we ready ourselves for the LAST move for a very long time (I hope!). There has been at least three trips to the thrift shop and one more to go as we clean things out and decide what we want to keep and what should move on.

There has also been trips out to Iowa to see my honey who is still living in a campground by himself. Don’t feel sorry for him though. Our camper is nicer that some of the homes I’ve lived in. Peanut and I actually spent Easter weekend out there, and the Easter Bunny found Peanut at the campground. It was raining, so he hid the eggs in the camper. Since the older boys go to their dad’s every Easter, I think this would be a great tradition for us to start with Peanut.

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This last week we had to run the puppies to the vet for their rabies shots (we’ve done their other shots). We were a little shocked to find out that the poor puppies didn’t simply have dry skin or even a food sensitivity like we’d thought, but scabies otherwise known as mange. Gross. Those poor babies. So, LOTS of washing things in hot water and extra cleaning in areas that the puppies spend the most time.

And there’s one last thing that’s been taking up a little bit of actual time and a LOT of mental effort.

I’ve decided to go back to work. I’ll expound on this more later when I know what’s going on for sure, but I can tell you that there’s a lot more to this decision than even I suspected. As a matter of fact, I’m working on another blog post with a few things that could make or break a job offer.

Oh, and for those curious, we’re still limping through homeschool. Punkin and Peanut have finished their school work for the year. Peanut is moving forward with 1st grade material, and Punkin is reviewing his work from this last year. Jeremy and Sweet Pea aren’t too far behind.

This Sunday I leave for Iowa to finalize everything for our new house. We have the final walk through Sunday evening and the closing is Monday morning. EEEE!!! I then have an interview Monday afternoon (It’s going to last 3 hours. Wish me luck!) during which time J will move the camper out of the campground to the homestead.

Monday night will most likely be chinese take-out on the floor of the first home we’ve ever purchased together. I wish I could put into words just how excited I am!

Tuesday will be a very early day for both of us as we have to drive back here separately so J can have his truck to move the things the moving truck won’t. It’s a 5.5 hour drive, at the end of which we’ll have to finish up any last minute packing and cleaning. Do you know how hard it is to clean a little house filled with boxes? Darn near impossible.

Wednesday is moving day! The truck will begin loading around 9 a.m. and will most likely finish up around 1pm. We’ll clean anything that’s left behind the movers as they go. When the they’re done with the house, the boys, dogs, and I will start our 5.5 hour drive back out to the homestead.

The truck unloads out there on Friday, so we’ll be spending Mother’s Day setting up our home. Could you ask for a better gift?

Back to packing I go. Even though it seems like we’ve done a ton, it looks like there’s so much more to do. Why this surprises me I don’t know, because you’d think I’d be used to it by now.