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06.19.08, 18:06 PM General Topics
31 replies
I am so broke I want to cry. Dh and I never have ANY money though we make about $130K combined. I mean NO MONEY. I went to the eye doctor today and couldn't pay the co-pay. $15 and I couldn't pay it. [ Reply | Watch | Flag ]
General Topics 06.19.08, 06:06 PM Flag
 

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lay out your budget [ Reply | More
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General Topics 06.19.08, 06:06 PM Flag
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I have. I pay most of my paycheck to daycare and older dd's private school (we have MAJOR financial aid but it is still $750/month). It leaves me about $300/month for groceries and a few $$ a day spending money. [ Reply | More
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General Topics 06.19.08, 06:08 PM Flag
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You cant afford private school, that I can see. You are paying almost $20k. a year in tuition. [ Reply | More
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General Topics 06.19.08, 06:11 PM Flag
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I know. But school is just not something I want to cheap out on. Dd was so unhappy in our local public. We just switched her to private. It is really really hard to pay for it, that I admit. [ Reply | More
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General Topics 06.19.08, 06:13 PM Flag
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yup its gotta go. Be more creative within the public system [ Reply | More
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General Topics 06.19.08, 06:13 PM Flag
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So what are you going to cheap out on? Healthcare? Food? [ Reply | More
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General Topics 06.19.08, 06:17 PM Flag
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I cheap out on my own wardrobe, accessories, nice things for my home, that sort of thing. [ Reply | More
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General Topics 06.19.08, 06:20 PM Flag
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But you couldn't pay YOUR DOCTOR. Doesn't that strike you as a higher priority than your dd's tuition, when public school is available for free? [ Reply | More
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General Topics 06.19.08, 06:22 PM Flag
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Cut out private school, watch the pocket money. What does DH's paycheck cover? [ Reply | More
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General Topics 06.19.08, 06:14 PM Flag
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Where do you live? we;re in nyc and that's about our income. While we're often stretched, it's not that bad. Hmmm. Tried a budget? Where's the money going? [ Reply | More
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General Topics 06.19.08, 06:07 PM Flag
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we live on the LES. Decent rent. We owe a shitload, and are in debt consolidation. I guess we DO NOT know how to budget. [ Reply | More
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General Topics 06.19.08, 06:09 PM Flag
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I think there are good free services that help with learning how to budget. Maybe motleyfool.com can help you figure out someone to ask. Or the debt consolidation people? Sounds like most of your $$ goes to child care. I'm the poster w/similar income (and similar neighborhood!). Actually 130K was before dc was born; now it's all dh's 90K income and we're doing it with me sahming + maybe 10K freelance income. So it IS doable for you, I suspect. Good luck! [ Reply | More
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General Topics 06.19.08, 06:13 PM Flag
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sorry, that really sucks. do you rent? [ Reply | More
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General Topics 06.19.08, 06:09 PM Flag
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yes [ Reply | More
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General Topics 06.19.08, 06:12 PM Flag
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wake up [ Reply | More
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General Topics 06.19.08, 06:09 PM Flag
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shut up [ Reply | More
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General Topics 06.19.08, 06:10 PM Flag
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well it sounds like something has to give. I would say the private tuition would free up a lot of money have you considered trying for a G&T or one of the east village lottery schools? [ Reply | More
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General Topics 06.19.08, 06:11 PM Flag
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thank you. [ Reply | More
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General Topics 06.19.08, 06:12 PM Flag
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your welcome. i'm sure older child would do well in a regular school or g&t have you tried? [ Reply | More
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General Topics 06.19.08, 06:13 PM Flag
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she was in an EV lottery school. Very unhappy. We applied to private, got in and got FA. Maybe it was a big mistake. [ Reply | More
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General Topics 06.19.08, 06:16 PM Flag
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What grade did she switch (not a budget question, but a school one!). do you care to name the EV school? I'm in the neighborhood and just starting to think of these things. [ Reply | More
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General Topics 06.19.08, 06:19 PM Flag
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how old are your kids? [ Reply | More
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General Topics 06.19.08, 06:14 PM Flag
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3 and 7 [ Reply | More
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General Topics 06.19.08, 06:17 PM Flag
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Private elementary school should not be an educational priority. [ Reply | More
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General Topics 06.19.08, 06:18 PM Flag
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why so unhappy in lottery school? which school was it? [ Reply | More
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General Topics 06.19.08, 06:21 PM Flag
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Ugh, please. [ Reply | More
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General Topics 06.19.08, 06:22 PM Flag
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OP does not have the luxury to devote the family resources to private school. In 2 years she will then have 2 private school tuitions and they aint happening [ Reply | More
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General Topics 06.19.08, 06:23 PM Flag
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Cut out the private school and live in a place you can actually afford. [ Reply | More
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General Topics 06.19.08, 06:19 PM Flag
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ita. [ Reply | More
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General Topics 06.19.08, 06:24 PM Flag
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i think it's dangerous to send your child to a school that is "rarified" and doesn't necessarily reflect their day to day reality. You could, potentially, be setting them up for a big fall-out. I am a child of such an existence and it literally rocked my world. Be wise. [ Reply | More
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General Topics 06.19.08, 06:33 PM Flag
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Oy. This is why the middle class is leaving New York. I don't want to leave--I love it here!--but crap it's expensive. [ Reply | More
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General Topics 06.19.08, 06:29 PM Flag
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