The worst part of losing my job last year was definitely going from being able to pay my bills to... not. I've had to put my government loans into deferment, which just means they're sitting there, racking up interest. I'm still paying on the Sallie Mae loans, and of course, I've got an absurd amount of credit card debt still to pay down.
Right now, I bring in just enough to pay my bills. I get just under $1400 a month from the Hospital, and then anywhere between $1000 and $1500 from my contract work and personal cases (before taxes). My monthly expenses come to about $1800 a month. That's paying all of our home utilities (gas, electric, water, cable and phones), as well as the Sallie Mae loans and credit cards. I usually pay my own car insurance and such, although Husband picked it up this past time.
Husband, on the other hand, pays our mortgage and Cora's daycare (about $1700). He usually picks up the expenses of food, although when he's working I pay for the food for Cora and I, and for my lunches. I also occasionally pick up dinner for him. He'll pay for other stuff too, and pays our health insurance. So, he probably pays around $2200 a month by the end of it. And that's fine, except he makes more than twice what I do.
So, it's been one of those issues bubbling under the surface for me, that whenever I suggest us budgeting our money (and it is *our* money), he balks. And whenever the conversation of childcare comes up, it seems to be me making the sacrifices, and him not having to pay anything. For instance, if we put the new baby in daycare, it will cost us about $800 a month for full time care. Part time care, unfortunately, doesn't cost much less. (About $600 /month). However, if I only work part time, and Husband watches the baby the two days I'm working, then we won't need daycare at all. But that means I will be losing about $1000 a month in income, for him to save $800. Which means that I can't make my credit card payments (credit cards that were only maxed out in the first place because I had to charge all of my stupid medical bills to them from the last pregnancy, and from me paying for Cora's daycare while I was in law school, which I had to charge to the credit card). The credit card payments are about $400 a month. So, I said, that's fine, I can just work part time, but you're going to have to make the monthly payments on the credit cards. He, of course, balked.
If I were smart, I would have had this shit settled, in writing, before ever conceiving. Because it's pissing me off. And let's be honest, if we joined our money and stuck with a budget, we could have the credit cards paid off and go back to making payments on the student loans. But, of course, that's all "my" debt, so why should he pay it, right?
So, yeah, I'm thinking I don't have a problem with the baby going to daycare full time right away, him paying for it, and me continuing to chip away at the credit card debt by keeping doing what I'm doing. I'm hoping to have it paid off by the end of 2012, that way I can start paying on my student loans again, even if I don't have a full time job by then.