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Monday, August 16, 2010

Work from Home decision

For about a year, I have not been working (for income).  Before that I have done several part-time work from home jobs and each has ended when it was supposed to.  The last one had had a lot of work which then basically ceased at the same time that we paid off our last debt.  It then trickled along and I ended up earning two small paychecks in 6 months.  6 months later, I decided it was time to officially resign.  Now we are just over 6 months after that and we are feeling a crunch in our budget.  Princess Naked Toes is starting Preschool so that is being added to our budget.  Her gymnastics also went up starting this month.  If you missed the hints from my last post, my husband just had a kidney stone zapped so now we have a large (to us) medical bill to pay out of our savings (Thank you Emergency Fund!) which means we need to rebuild our emergency fund.  Finally, through all our outings and activities this summer, many involving water, we have lost Princess Smiles-A-Lot's hearing aid and we must replace it ASAP.  If you are not aware, an inexpensive hearing aid will cost $1300.  With her hearing loss, we will not be getting the "cheap" hearing aid and hopefully will be able to get her an FM receiver so she can hear the teacher's voice directly in the hearing aid.  And this isn't factoring in that my husband's car needs some repair work equal to its value or a new-to-us vehicle.

I've considered several work at home jobs.  My dream job would be working with numbers (I'm a spreadsheet/paperwork addict - I know I'm strange) but haven't figured out how to find this kind of job from home or an office for the limited time I would have available.  I really don't want to spend the whole of the 2 hrs I have with both girls at school 4 days a week working.  Those two hours are already going quickly to errands, cleaning out projects and visiting teaching - maybe even some sewing projects that are waiting my attention.

So my husband and I have decided that I will start teaching piano lessons.  See this post for details on lessons.  I'm hoping to make just a couple hundred a month to ease the crunch, pay medical bills, and build back up our emergency fund.  I am so done with debt that I'm not comfortable with our emergency fund being as low as it's going to be very soon without a plan to build it back up.

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