So the time is coming for me to decide what to do about going back to work. I need help... here is our situation.... sorry for the length.
My bf and I are living with my mom and plan to stay here for a while. He makes fairly good money, but his income every month = his bills every month. We are crazy in debt (me, about 6 grand in credit cards; him, about 15 grand in credit cards and 30 in trucks), we know we made stupid decisions about debt and since moving in with my mom in jan, I am proud to say neither of us has put anything on credit! Ok so, because he does make good money, we don't qualify for daycare assistance from the county. Here are my options for going back to work
1. There is a summer job that I could work at for July & August. It is closer to home and I could work nights and weekends, therefore I wouldn't have to pay DC. But... my lo has super cranky nights and as selfish as it is, I like to be the one to comfort her. Also, my bf is really not good at calming her down, he gets more worked up than she does. My mom would be completely willing to take care of her, but she doesn't get along with my bf, therefore making the evenings very akward and most likely wouldn't work.
2. I could go back to the job I was at before maternity leave. I love it there (a daycare), and miss it so much! It is farther from home though. And the problem is DC for DD. If I brought her there, I would only bring home $80 a week for working 40 hours. This is hardly enough to cover my gas, let alone my bills. I only need to make about $400 a month, but that is with saving nothing. For the summer, my sister will be home and will be willing to watch her, so I think personally that this is the better plan.
But then in the fall we have a whole nother issue. I am planning to go back to school full time. Which will be 2 and a half days a week. There is a DC at the school, and they roll the tuition for the DC into your tuition for school, so you can take a loan out on it. This is great, but I still need to bring in the $400 a month. So I could work 2 and a half days, but I have no idea for DC. I could take out a student loan to cover my bills also, but that just puts me farther into debt. I have no idea what to do. And I am so tired of stressing over it and having it constantly on my mind. It is killing me. Sorry to vent! But any ideas??