Job offer wwyd?

baldwinamy · March 2014

I posted here before about our pretty bad finances. Since then I have cut a ton and were actually able to pay our bills on DHs income, but just barely and not really save anything.

So I got a Job offer but the hours are horrendous. It is $21/hr, no benefits, lots of available OT, super close to my house but I would still need a vehicle since there is no public transport. Bi weekly rotation. Shifts are M-Sat 7am-430pm, M-Sat 545pm-315am

DD would have to be in daycare Mon-Fri, 6am-6 pm on the afternoon shift weeks and 630am- 5pm on the dayshift weeks. The daycare will charge $288/wk for this.

Should I take this for the money until we can get in a better financial position, or get something part time at $10 (but daycare wouldn't be needed)?

cloudymeatballs · March 2014

Honestly, I would probably do it, but just for a certain amount of time. I wouldn't be fond of the hours, the late night ones, but if it would help you that much then go for it. $11hr is a big difference an hour too, so it would really show and help out... What does your H think about it??

formerlyGDaisy09 · March 2014

looks like with the 7-4:30 shift you'd get a least 8 hours of OT a week...you'd probably be bringing home close to $1000 a week...that would easily off-set daycare.

I don't think you'd bring home near that working PT at $10 an hour, I would take it.

maple2 · March 2014

I don't remember your previous post, so I don't have real sense of how much you need the money. My answer would really depend on having a better sense of your overall financial needs. If you worked 40 hours a week at $21/hour, your gross income would be $840/week. If you assume you take home 60% of that (the rest going to taxes, etc.) than your net would be around $504/week. Once you subtract the cost of child care you would have an extra $216/week. That could change quite a bit depending on how much over time you worked.

Personally, I would rather find a part-time job to bring in something close to $200/week than put up with the hours you were offered, the extra stress of managing everyone's schedules, and the loss of time with my child. Like I said though, I don't know how much you need the extra money and those trade-offs might be worth it to you especially if you would plan to work a lot of over time. It might also be worth it if you want to get back into a particular field that wouldn't be possible with a part-time job.

baldwinamy · March 2014

@cloudymeatballs My H thinks its a horrible idea as fas as loss of family time goes, he gets that we really do need the extra money though. I would not be interested in it long term, but It think I need to take it to get our family in a better position financially.

@maple2 here is my last budget post http://forums.thenest.com/discussion/12012272/budget-help/p1

Yes without the OT and even more time away from my family it would not be that much weekly, if I got a part time job and not getting daycare I could probably only work 20 hrs a week.

Thank you for the answers, Im going to discuss with H some more but I think I am going to take it as a temporary solution. I can apply other places and if I absolutely hate it I can quit until I find something else.

I think it will really help wipe out our debt and get a good savings going.

vlagrl29 · March 2014

maple2 said:

I don't remember your previous post, so I don't have real sense of how much you need the money. My answer would really depend on having a better sense of your overall financial needs. If you worked 40 hours a week at $21/hour, your gross income would be $840/week. If you assume you take home 60% of that (the rest going to taxes, etc.) than your net would be around $504/week. Once you subtract the cost of child care you would have an extra $216/week. That could change quite a bit depending on how much over time you worked.

Personally, I would rather find a part-time job to bring in something close to $200/week than put up with the hours you were offered, the extra stress of managing everyone's schedules, and the loss of time with my child. Like I said though, I don't know how much you need the extra money and those trade-offs might be worth it to you especially if you would plan to work a lot of over time. It might also be worth it if you want to get back into a particular field that wouldn't be possible with a part-time job.

This is what I would do as well.

Erikan73 · March 2014

I'm assuming your husband has benefits, so not having benefits with this job really wouldn't be an issue. The money would be great but you need to figure out what type of car you would get, get a quote for adding that type of vehicle to your insurance and how much money you will have to spend on gas. Then deduct the cost of weekly child care. In theory you should still end up financially ahead.

The money would be great, but you really do have to look at the hours. Is the money worth not seeing your husband or child every other week? Also on those weeks, your husband would be doing everything himself, is that something he could end up getting resentful for? How do you think you might physically adjust from working basically Days one week & nights the next week. Just as your body is getting use to one schedule, you will switch schedules. I know personally I wouldn't last long not having the same sleeping routine.

Only you can answer these questions, good luck with whatever you end up doing

baldwinamy · March 2014

Erikan73 said:

I'm assuming your husband has benefits, so not having benefits with this job really wouldn't be an issue. The money would be great but you need to figure out what type of car you would get, get a quote for adding that type of vehicle to your insurance and how much money you will have to spend on gas. Then deduct the cost of weekly child care. In theory you should still end up financially ahead.

The money would be great, but you really do have to look at the hours. Is the money worth not seeing your husband or child every other week? Also on those weeks, your husband would be doing everything himself, is that something he could end up getting resentful for? How do you think you might physically adjust from working basically Days one week & nights the next week. Just as your body is getting use to one schedule, you will switch schedules. I know personally I wouldn't last long not having the same sleeping routine.

Only you can answer these questions, good luck with whatever you end up doing

He doesnt have benefits, I already have a car that will be paid offing August. I would sell it if I dont take this job though.

He would have an issue with doing all the child care etc, but I would not do this long term. Just while we get out of debt and save some, then eventually I would find something else or go back to school.

Ive never done these type of hours while having a child but I do know they are hard because I have done continental before. Im really not sure if these are doable with a child though.

KatieCutie05 · March 2014

Yes, definitely take the job!!! It would be very difficult to make an extra 200 dollars a week, avoid daycare and have family time. Somethings gotta give. If your husband works a normal 9 to 5 then you would have to only work nights and never see him in order to avoid daycare. Either way you don't have as much family time. And with this job you atleast have every other week of normalish hours. Besides its not permanent - its a temporary means to put you and your family in a better situation. Plus its so much easier to find a job when you already have a job.

From your previous post - you are barely breaking even because you are making a lot of debt payments. Were you able to sell a car or get any car or credit cards paid off? If i were you I would take the job, but take every penny you make from that job minus daycare cost and apply it towards paying off tthe debt.... snowballing from smallest to largest. You will have close to 1k extra a month to apply to debt. With no credit card/car payments at all you won't need as much money per month to pay the bills and you'll be able to enjoy more family time.

Xstatic3333 · March 2014

baldwinamy said:

Erikan73 said:

I'm assuming your husband has benefits, so not having benefits with this job really wouldn't be an issue. The money would be great but you need to figure out what type of car you would get, get a quote for adding that type of vehicle to your insurance and how much money you will have to spend on gas. Then deduct the cost of weekly child care. In theory you should still end up financially ahead.

The money would be great, but you really do have to look at the hours. Is the money worth not seeing your husband or child every other week? Also on those weeks, your husband would be doing everything himself, is that something he could end up getting resentful for? How do you think you might physically adjust from working basically Days one week & nights the next week. Just as your body is getting use to one schedule, you will switch schedules. I know personally I wouldn't last long not having the same sleeping routine.

Only you can answer these questions, good luck with whatever you end up doing

He doesnt have benefits, I already have a car that will be paid offing August. I would sell it if I dont take this job though.

He would have an issue with doing all the child care etc, but I would not do this long term. Just while we get out of debt and save some, then eventually I would find something else or go back to school.

Ive never done these type of hours while having a child but I do know they are hard because I have done continental before. Im really not sure if these are doable with a child though.

Honestly, I'd decline because I think the net benefit of selling a car and using that money to pay down debt could be better in the short term. With the profit from your almost-paid car you could knock out a bunch of CCs fast.

Exception: do you want this job? Could it lead to a career you'd enjoy? Many woman with kids work tough hours, but whether it's right for you/worth it for your family is a very personal choice.

You don't sound that excited about it, so if I'm correct I'd look for a $10/hour job that would allow you to be a one car family.

sparklerose · March 2014

This is a tough one, I want to say take the job at least until you can get ina better place financially. From the previous post you were negative $ every month so you have to do something drastic. That being said, your're going to jump in to a more-than-full-time job, with your child in daycare 6am-6pm.....I couldnt do that no matter the position I was in. I work full time and so does DH, we have slightly different shifts so DS is in daycare for 8 hours.

In my state, most of the daycares do not allow care longer than 10 hours, so I'm not sure you could find a licensed place to take your child for 12. I think it might even be a law here.

ashleyjesse1112 · March 2014

baldwinamy I would take the job if I were you. I know it would be very hard and not fun at all, but I would do the job until the debts were paid off and you had an emergency fund. At that point I would just switch to a part time job with no child care needed. I, myself, don't have any children, but I just took a part time job on top of a full time job just because we are trying to buy a house and I am trying to pay off my 10k in student loans. I want that paid off as fast as I can! I would try to work at this job for the shortest amount of time possible since you do have children. Just stick to the budget and work hard at this moment so you can be in a better financial position soon. Good luck!

blondie42107 · March 2014

I really have mixed thoughts. As a mom of two I truly would not want that type of work schedule. Money is extremely important, don't get me wrong but young children grow up fast.

If you decide to take it, I would suggest actively seeking another job with a better schedule.

If you don't take it, I would really try to figure out how to tighten the budget. Do you have friends, neighbors that you could babysit for? Just watching one or two children could help out without the need for daycare or travel expenses.

Also not sure what type of career you want but maybe finding some weekend only options so that you'll be with your little one during the week and your husband can be home on the weekends.

Wulfgar · March 2014

I would take the job for at least six months to help with your finances. I would put most of your income directly to debt repayment.

brij2006 · March 2014

I would take the job and put the income strictly toward debt.

Your kids won't remember you working like crazy for 12-18 months to get debt free, but they will remember mom and dad always fighting about money or saying they don't have money to buy things or do things.

hoffse · March 2014

I agree with Brij. I know my parents worked some awful hours when I was really little to try to get ahead, but I don't remember any of it.

It's not ideal, but almost anything is tolerable for 6 months. Put together an aggressive financial plan for this money, and work until you can afford to save some money instead of having to spend all of it on debt. Then you can take a step back and re-evaluate what you can afford to do.

Every day you aren't working you are sinking further into the hole. I would absolutely take this opportunity to start reversing that problem ASAP.

Job offer wwyd?

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