I've got a tough decision to make here ... Wes and I are finding it harder and harder to survive on student loans, and we're sinking deeper and deeper into other debts to make up the difference. Our bank account is all but depleted, and we still have one more month of bills before we get more loan money in July. This is how it is at the end of every semester ... the money is gone too soon. And the loan money that we will get in July is already spent: pay off what we've had to put on the credit card during May/June, pay homeowner's insurance for the year, mortgage in advance for the next 6 months, car note, utilities in advance for 6 months, etc ... and we also have to put aside enough money for Wes to travel to interviews for residency programs and possibly live somewhere else for a month for an away rotation.
On top of this, we don't qualify for stupid George Bush's stupid economic stimulus package (sorry for the slight political rant there), because we didn't make $3,000 last year. Oops, we're just trying to be a good student and good mom here ... and now we're being punished for it. So instead of getting the $2,100 that could float us through June and help us out during this crunch, we're still high and dry while our friends all decide what extras to get with their bonus checks ... even though they have jobs and don't need the money as much as we do. (GRRR... again, sorry for this rant...but not really...)
So, there's not much I can do about June ... the mortgage is paid, and we have $500 in the bank to pay some of the rest, and every time we've had this problem in the past, the Lord has pulled us through. But I'm thinking about next year.
I've been offered a position as an assistant teacher at the kids' preschool next year. I know everyone there, and I love them all, so I am sure I could work with them ... but I don't really want to be a preschool teacher! Ugh! Anyway, here's the deal: It will pay $950/month. I will work 5 days a week -- until 12:30 on 4 days and until 6pm on one day. Lillie and Harlan will get to come early and stay late for free and have free lunch every day, and on the early days I'll get off in time to pick up Sophie. On the late day, I'll be allowed to leave to get her and bring her back with me, and she will play there with the other kiddos until it's time to go home.
We will get a childcare loan for Harlan's tuition again, since he's under 5, but I'll have to use $250 of my check for Lillie's tuition. And, no, I don't get a discount for being a teacher.
-250 Lillie's tuition
600 take home
Is it worth it, for five days a week of preschoolers who are not my kids? And giving up my free mornings (which I don't actually get as much as I was thinking anyway)? And the added stress and guilt of being a 'working mom'? And that one day a week that I'll only see Sophie for an hour before putting her to bed?
Shame on Wes for coming to medical school. And shame on that stupid economic stimulus package. Grrr......
Let me know what you think......I could use your thoughts on this one.