Comments on: I’m Back! http://richsinglemomma.com/weblog/im-back The Single Mothers Personal Finance Blog Mon, 30 Jan 2012 21:44:19 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Alandria http://richsinglemomma.com/weblog/im-back/comment-page-1#comment-994 Alandria Wed, 09 Jun 2010 19:20:40 +0000 http://richsinglemomma.com/weblog/?p=1035#comment-994 it is crazy to even think I thought I was alone in this struggling transition time. Even though this post is almost a year old, i am just now finding it, and gaining insight from it. My issues are mirroring what yours were almost to a T! I hate struggling in transition, but because God is SO GOOD, at least i am not where I was. Transition = motion. Thank you ladies for your testimonies, it helps tremendously! it is crazy to even think I thought I was alone in this struggling transition time. Even though this post is almost a year old, i am just now finding it, and gaining insight from it. My issues are mirroring what yours were almost to a T! I hate struggling in transition, but because God is SO GOOD, at least i am not where I was. Transition = motion. Thank you ladies for your testimonies, it helps tremendously!

]]> By: Damaris http://richsinglemomma.com/weblog/im-back/comment-page-1#comment-759 Damaris Tue, 18 Aug 2009 23:15:54 +0000 http://richsinglemomma.com/weblog/?p=1035#comment-759 I am a tax preparer and year after year I hear the struggles of hundreds of families...sad to say even those with two parents at home...one could imagine us single women. It hit me like a BOMB this year's tax season when one of my clients shared with me that her children now teens are able to care for their younger siblings and are saving so much on childcare, however it took all those years of hard working $ to pay for childcare of 3 children...heartbroken she shared.."Damaris, my sitter for all those years just purchased her home cash and we are still renting living paycheck to paycheck." I just took a deep breathe and in my heart said my prayer Lord thank you....that I am not subject to have to experience that reality. See before the year ended actually 10 days before Christmas... I was let go from my 9-5. The blessed thing was that I was prepared for it. See, after viewing my income and re-adjusting my budget mid 08' I prayed Lord I am spending more in child care for my 2 boys than in rent a month. I then prayed Lord I am living on less than 1/2 of my income if I eliminate my childcare I am able to have a savings account, emergency fund and live comfortable but controlled. I then changed my prayer from more income and or a new job to.... Lord the opportunity to get rid unnecessary spending like this childcare and give me work or a business where I can generate different streams of income of even less than 1/2 what I was making with the flexibility to stay home and care for my boys. Walla...prayer answered to God be all the Glory. When I was released from the job I felt conflicted because I thought I should cry or be said or worried, but in actuality I felt freedom from Bondage/Slavery to a paycheck of me working to pay someone else its a nasty vicious cycle that unfortunately makes for most a burden instead of a joy of having children. I am a tax preparer and year after year I hear the struggles of hundreds of families…sad to say even those with two parents at home…one could imagine us single women. It hit me like a BOMB this year’s tax season when one of my clients shared with me that her children now teens are able to care for their younger siblings and are saving so much on childcare, however it took all those years of hard working $ to pay for childcare of 3 children…heartbroken she shared..”Damaris, my sitter for all those years just purchased her home cash and we are still renting living paycheck to paycheck.” I just took a deep breathe and in my heart said my prayer Lord thank you….that I am not subject to have to experience that reality.

See before the year ended actually 10 days before Christmas… I was let go from my 9-5. The blessed thing was that I was prepared for it. See, after viewing my income and re-adjusting my budget mid 08′ I prayed Lord I am spending more in child care for my 2 boys than in rent a month. I then prayed Lord I am living on less than 1/2 of my income if I eliminate my childcare I am able to have a savings account, emergency fund and live comfortable but controlled. I then changed my prayer from more income and or a new job to…. Lord the opportunity to get rid unnecessary spending like this childcare and give me work or a business where I can generate different streams of income of even less than 1/2 what I was making with the flexibility to stay home and care for my boys. Walla…prayer answered to God be all the Glory. When I was released from the job I felt conflicted because I thought I should cry or be said or worried, but in actuality I felt freedom from Bondage/Slavery to a paycheck of me working to pay someone else its a nasty vicious cycle that unfortunately makes for most a burden instead of a joy of having children.

]]> By: Rich Single Momma http://richsinglemomma.com/weblog/im-back/comment-page-1#comment-753 Rich Single Momma Thu, 13 Aug 2009 12:22:29 +0000 http://richsinglemomma.com/weblog/?p=1035#comment-753 Lisa you are so right about this catch-22. I am a contract employee with a great company but they are putting off hiring me full-time. Since the agency doesn't readily offer insurance and what they do have is very expensive I go without. I can't get my son on the state insurance plan because I make too much money. It's so irritating. And get this, I don't bring home nearly as much as I make because of taxes, etc. The state system looks at the gross and not the net which is what I live on. I'm just wondering if it will ever change. Lisa you are so right about this catch-22. I am a contract employee with a great company but they are putting off hiring me full-time. Since the agency doesn’t readily offer insurance and what they do have is very expensive I go without. I can’t get my son on the state insurance plan because I make too much money. It’s so irritating. And get this, I don’t bring home nearly as much as I make because of taxes, etc. The state system looks at the gross and not the net which is what I live on. I’m just wondering if it will ever change.

]]> By: Lisa Maria Carroll http://richsinglemomma.com/weblog/im-back/comment-page-1#comment-750 Lisa Maria Carroll Wed, 12 Aug 2009 18:29:54 +0000 http://richsinglemomma.com/weblog/?p=1035#comment-750 Two powerful testimonies. Thank you for sharing. Samantha, I mentioned to you that I'm planning a four-city single parent expo for next with three other women. It sounds like you're one of the women that we're targeting: the middle-class single mom that gets overlooked and lost in the system. It truly is a catch-22 when you work your butt off to get out of the system, only to find that you're still struggling, only this time with less help. The circumstances that you mentioned (crazy ex, car trouble, after-school care ($65/week is a lot for after school care period)) are enough to wipe out anybody's emergency fund. Just goes to show that not only do we need an emergency plan, we need to stay connected, so that we can help and encourage each other. That brings me to my next point, you and I have some unfinished business that we need to get back to. I know you're in transition, and I'm ever evolving. But together we can make things happen. Be blessed. Two powerful testimonies. Thank you for sharing.

Samantha, I mentioned to you that I’m planning a four-city single parent expo for next with three other women. It sounds like you’re one of the women that we’re targeting: the middle-class single mom that gets overlooked and lost in the system. It truly is a catch-22 when you work your butt off to get out of the system, only to find that you’re still struggling, only this time with less help.

The circumstances that you mentioned (crazy ex, car trouble, after-school care ($65/week is a lot for after school care period)) are enough to wipe out anybody’s emergency fund. Just goes to show that not only do we need an emergency plan, we need to stay connected, so that we can help and encourage each other. That brings me to my next point, you and I have some unfinished business that we need to get back to.

I know you’re in transition, and I’m ever evolving. But together we can make things happen.

Be blessed.

]]> By: Rich Single Momma http://richsinglemomma.com/weblog/im-back/comment-page-1#comment-749 Rich Single Momma Wed, 12 Aug 2009 11:48:49 +0000 http://richsinglemomma.com/weblog/?p=1035#comment-749 Damaris I know exactly what you are saying. My desire now is to know more of His will and way so my knees get quite a work out too. Of course I am almost constant communication throughout the day too. Let's keep encouraging each other through this journey. God Bless! Damaris I know exactly what you are saying. My desire now is to know more of His will and way so my knees get quite a work out too. Of course I am almost constant communication throughout the day too. Let’s keep encouraging each other through this journey. God Bless!

]]> By: Damaris http://richsinglemomma.com/weblog/im-back/comment-page-1#comment-747 Damaris Wed, 12 Aug 2009 02:13:02 +0000 http://richsinglemomma.com/weblog/?p=1035#comment-747 YES I liked it much...thanks for your transparency. It makes my life seem really "REAL" and "OK". Yes that seems a bit funny but its true I have come to...ummm - I will call it a "crash" in this season of transition. I still am not sure exactly what it is and sure it has a lot to do with a bunch of little stuff. I do know that the most important thing was to get back on my knees and seek HIS ways and will and not my ideas and plans... It has been rough... Yet he has been faithful...i paid my rent praying that $ would be in the bank. Again because of lack of planning had to reach out to my emergency fund when if I planned REALISTICALLY I did not have to. Well to make it short I am starting from scratch...the 70% of my time I spent on what I thought was important I know changed to 30% and the 30% I thought had little importance Know changed to 70%. I needed to shift my priorities remembering that God is in control and that I am living a dream by being able to be home with my boys...So I too am learning to take it one day at a time and also I need to SLOW DOWN and smell the flowers...remembering I have two precious gifts to raise for the LORD! YES I liked it much…thanks for your transparency. It makes my life seem really “REAL” and “OK”. Yes that seems a bit funny but its true I have come to…ummm – I will call it a “crash” in this season of transition. I still am not sure exactly what it is and sure it has a lot to do with a bunch of little stuff. I do know that the most important thing was to get back on my knees and seek HIS ways and will and not my ideas and plans… It has been rough… Yet he has been faithful…i paid my rent praying that $ would be in the bank. Again because of lack of planning had to reach out to my emergency fund when if I planned REALISTICALLY I did not have to. Well to make it short I am starting from scratch…the 70% of my time I spent on what I thought was important I know changed to 30% and the 30% I thought had little importance Know changed to 70%. I needed to shift my priorities remembering that God is in control and that I am living a dream by being able to be home with my boys…So I too am learning to take it one day at a time and also I need to SLOW DOWN and smell the flowers…remembering I have two precious gifts to raise for the LORD!

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