Planning On Being a Stay At Home Parent? Make Sure You Consider THIS First!

stay at home

Are you thinking of becoming a stay at home parent?

 

Brock and I recently finished watching the series Boardwalk Empire, which takes place in the Prohibition-era United States. After watching one heart-breaking scene with a woman and her kids, Brock turned to me.

“It’s so sad how women were trapped in bad marriages or devastated when their husbands left or died back then because of a lack of resources and opportunity.”

“Sadly,” I replied, “It still happens. I hear from women in that very position all the time.”

—–

Circumstances have changed dramatically since the early twentieth century. Staying at home to raise the kids is no longer an assumption, it is generally a carefully made decision. Couples weigh the pros (quality time with the child, no child care costs, more influence on development) against the cons (reduced family income, possibility of isolation or boredom for the parent who stays home, difficulty of re-entering the workforce down the road). It is still usually the female that elects to stay home if that decision is reached, yet increasingly, that role is given to or shared with the man.

The decision to stay home to raise children is an incredibly personal one, with many beliefs and goals entering into the process.

And I am not trying to sway you either way. That choice is entirely yours to make.

I just want you to think about all of the possibilities when you make your decision.

Because I often hear what happens when people don’t.

—–

“I need to get out of this marriage. His drinking is out of control and he’s starting to scare me. I don’t want to raise my kids in this environment. But I don’t have any money and I don’t work. What can I do?”

“My tsunami divorce happened when he sent me an email and then left. The courts ordered that he pay child support, but he’s only made a couple of payments in the last year. I stopped working 10 years ago to raise the kids and I can’t seem to get a job now. What do I do?”

“We always seemed to be okay financially. But then when she died, I learned that there was all kinds of debt I didn’t know about. Since she was the primary bread winner, we decided that I would stay at home when the kids were young. It’s been so long now, my former industry has changed. What should I do?”

I hate reading these questions. I wish I could help them into a time machine and take them back along with the knowledge that they needed to form a contingency plan along with their child care plan.

And I get why people often don’t. You don’t believe that it can happen to you.

—–

I was lucky. Even though I did a lot of things wrong in my marriage (secure in the belief that my husband really meant til death), I had my own career and my own income. My situation was also made significantly easier by the fact that we did not have children. I only had to worry about my own survival, not that of any offspring.

I didn’t follow up enough with the financial conversations that we had to ensure that his words matched the ledgers. I didn’t keep up with the myriad accounts, trusting that he had our best interests in mind. I didn’t have my own money, separate from his reach. I didn’t have an emergency plan for what I could do if the worst came to past. I allowed him access to my preexisting credit card. I didn’t know that he had canceled (or simply neglected to pay) the life insurance policy that let me sleep at night. And I trusted the courts would enforce their ruling that he was to pay me back.

I trusted him to take care of us. Of me. And I neglected to take care of myself.

And those mistakes cost me money.

If I had been a stay-at-home mom who made the same mistakes, the results could have been disastrous and so much larger than just a financial hit.

Because here’s the scary, sad and so-not-fair truth – It can happen to you.

You may find yourself wed (and dependent upon) an abuser. Scared to stay and yet unable to leave.

That same spouse that was so supportive of your staying home may decide that he or she no longer wants to return home.

The perfect parent may suddenly morph into somebody refuses to pay child support.

And through no fault of their own, your husband or wife may be struck down before their time.

And so as much as you hate to , consider those worst cases while you’re making life changes. Your life – and your kids’ lives – may depend upon it.

—–

If you are the partner who will be staying home, consider implementing the following as part of an emergency preparedness plan:

-Build an emergency fund that you have access to. If your spouse also has access, make sure that you periodically check to ensure it’s there. It really doesn’t have to be some great amount. Just enough so that you never feel trapped in that moment because of a lack of funds. This isn’t meant to be a primary savings account or some source of anxiety. Just a small insurance tucked away, hopefully never to be needed.

-Have at least one credit card in your name with a reasonable limit. One problem people often face after staying at home for a period of time is that their credit takes a hit. Use the card at least every few months and then pay it off to keep your credit score high.

-Before you decide to stay home, develop some education or job skills as well as some experience. It’s never easy to return to the working world after a break, but it’s a little easier if you’ve been there before and had something to offer.

-Consider work you can do part-time or from home. Even if the pay is not great, it is something and it keeps you from feeling powerless.

-Maintain connections with people who are in the working world.

-Build and nurture a safety net of friends and family.

-Stay sharp. Enroll in free online courses. Take on freelance gigs that relate to your former career. Keep up with the changes and developments in your industry.

-Have an outline of a “If the sh*t hits the fan plan.” Hopefully the outline grows faded and dusty. But if it’s ever needed, you’ll be so glad you put some thought into it when you could still think rationally.

-Have a pulse on the relationship and the family’s financial standing.

-If divorce is in the picture, don’t assume that alimony or child support will be awarded or promptly paid. Try to put yourself in a position where that money is nice, but not needed.

—–

There are times when you have to be dependent upon somebody else.

And that’s okay.

But never allow yourself to become dependent upon being dependent.

Because that’s a risk that may end up being too big to take.

This is one area where the motto I learned from the residents of a remote – and harsh – Alaskan town applies:

“Prepare for the worst. Expect the best. And live for today.”

Because even though it can happen to you, I hope it never does.

I just want you to be prepared just in case.

So that you are never in a position of asking somebody the unanswerable question, “What can I do now?”

Planning On Being a Stay-At-Home Parent? Make Sure You Consider THIS First!

stay at home

Brock and I recently finished watching the series Boardwalk Empire, which takes place in the Prohibition-era United States. After watching one heart-breaking scene with a woman and her kids, Brock turned to me.

“It’s so sad how women were trapped in bad marriages or devastated when their husbands left or died back then because of a lack of resources and opportunity.”

“Sadly,” I replied, “It still happens. I hear from women in that very position all the time.”

—–

Circumstances have changed dramatically since the early twentieth century. Staying at home to raise the kids is no longer an assumption, it is generally a carefully made decision. Couples weigh the pros (quality time with the child, no child care costs, more influence on development) against the cons (reduced family income, possibility of isolation or boredom for the parent who stays home, difficulty of re-entering the workforce down the road). It is still usually the female that elects to stay home if that decision is reached, yet increasingly, that role is given to or shared with the man.

The decision to stay home to raise children is an incredibly personal one, with many beliefs and goals entering into the process.

And I am not trying to sway you either way. That choice is entirely yours to make.

I just want you to think about all of the possibilities when you make your decision.

Because I often hear what happens when people don’t.

—–

“I need to get out of this marriage. His drinking is out of control and he’s starting to scare me. I don’t want to raise my kids in this environment. But I don’t have any money and I don’t work. What can I do?”

“My tsunami divorce happened when he sent me an email and then left. The courts ordered that he pay child support, but he’s only made a couple of payments in the last year. I stopped working 10 years ago to raise the kids and I can’t seem to get a job now. What do I do?”

“We always seemed to be okay financially. But then when she died, I learned that there was all kinds of debt I didn’t know about. Since she was the primary bread winner, we decided that I would stay at home when the kids were young. It’s been so long now, my former industry has changed. What should I do?”

I hate reading these questions. I wish I could help them into a time machine and take them back along with the knowledge that they needed to form a contingency plan along with their child care plan.

And I get why people often don’t. You don’t believe that it can happen to you.

—–

I was lucky. Even though I did a lot of things wrong in my marriage (secure in the belief that my husband really meant til death), I had my own career and my own income. My situation was also made significantly easier by the fact that we did not have children. I only had to worry about my own survival, not that of any offspring.

I didn’t follow up enough with the financial conversations that we had to ensure that his words matched the ledgers. I didn’t keep up with the myriad accounts, trusting that he had our best interests in mind. I didn’t have my own money, separate from his reach. I didn’t have an emergency plan for what I could do if the worst came to past. I allowed him access to my preexisting credit card. I didn’t know that he had canceled (or simply neglected to pay) the life insurance policy that let me sleep at night. And I trusted the courts would enforce their ruling that he was to pay me back.

I trusted him to take care of us. Of me. And I neglected to take care of myself.

And those mistakes cost me money.

If I had been a stay-at-home mom who made the same mistakes, the results could have been disastrous and so much larger than just a financial hit.

Because here’s the scary, sad and so-not-fair truth – It can happen to you.

You may find yourself wed (and dependent upon) an abuser. Scared to stay and yet unable to leave.

That same spouse that was so supportive of your staying home may decide that he or she no longer wants to return home.

The perfect parent may suddenly morph into somebody refuses to pay child support.

And through no fault of their own, your husband or wife may be struck down before their time.

And so as much as you hate to , consider those worst cases while you’re making life changes. Your life – and your kids’ lives – may depend upon it.

—–

If you are the partner who will be staying home, consider implementing the following as part of an emergency preparedness plan:

-Build an emergency fund that you have access to. If your spouse also has access, make sure that you periodically check to ensure it’s there. It really doesn’t have to be some great amount. Just enough so that you never feel trapped in that moment because of a lack of funds. This isn’t meant to be a primary savings account or some source of anxiety. Just a small insurance tucked away, hopefully never to be needed.

-Have at least one credit card in your name with a reasonable limit. One problem people often face after staying at home for a period of time is that their credit takes a hit. Use the card at least every few months and then pay it off to keep your credit score high.

-Before you decide to stay home, develop some education or job skills as well as some experience. It’s never easy to return to the working world after a break, but it’s a little easier if you’ve been there before and had something to offer.

-Consider work you can do part-time or from home. Even if the pay is not great, it is something and it keeps you from feeling powerless.

-Maintain connections with people who are in the working world.

-Build and nurture a safety net of friends and family.

-Stay sharp. Enroll in free online courses. Take on freelance gigs that relate to your former career. Keep up with the changes and developments in your industry.

-Have an outline of a “If the sh*t hits the fan plan.” Hopefully the outline grows faded and dusty. But if it’s ever needed, you’ll be so glad you put some thought into it when you could still think rationally.

-Have a pulse on the relationship and the family’s financial standing.

-If divorce is in the picture, don’t assume that alimony or child support will be awarded or promptly paid. Try to put yourself in a position where that money is nice, but not needed.

—–

There are times when you have to be dependent upon somebody else.

And that’s okay.

But never allow yourself to become dependent upon being dependent.

Because that’s a risk that may end up being too big to take.

This is one area where the motto I learned from the residents of a remote – and harsh – Alaskan town applies:

“Prepare for the worst. Expect the best. And live for today.”

Because even though it can happen to you, I hope it never does.

I just want you to be prepared just in case.

So that you are never in a position of asking somebody the unanswerable question, “What can I do now?”

Guest Post: Are you there, Divine? It’s me, Keri.

While I am away for a few days, I am sharing a series of guest posts from some awesome bloggers. This one is from Keri Rumley, a single mom and expressive art therapist. She explains why she writes on her About page:

I began this blog as an attempt to utilize my own creative process as a tool for healing. I also knew I needed to write to connect to others in a time of extreme isolation, to be seen and witnessed in my experience of loss and hopefully to inspire and help others.

So, read on and be inspired. Just be forewarned, you may need to have some tissues nearby; this one brought tears to my eyes.

Are you there Divine? It’s me, Keri.

Today I received an eviction notice from my landlord. No reasons were stated, just that the kids and I needed to move out within 45 days or legal action would be taken against us. When we signed a lease for the property, the lease was “at will,” meaning that either party could terminate with 45 days notice. There was also a handshake agreement that we (my husband at the time and I) would eventually, be purchasing this property and the understanding that all of our monthly rent would be going towards the purchase price of the home. While I wasn’t really comfortable with the solvency of this unwritten agreement, my husband and his family members assured me that their families went back generations and would never “screw” one another over. A big part of my willingness to move from my hometown of Montpelier, Vermont and my childhood home was this sweet little house in Maine with it’s sunny deck, wooden play structure, chicken coop, barns, awesome kid’s bike riding flat paved driveway, pastures and forest bordering the property.

Since then my circumstances have changed. I am no longer part of this family with it’s wide reaches and I wonder if I am suddenly exempt from the “no screwing” clause. Because I have experienced so many traumas over the last six months around my divorce and because so much of it felt like it happened TO me unexpectedly, it’s hard not to take this latest slight personally. I would’ve rather received a phone call, or had an in person conversation about any problems with our tenancy and if not, the reasons for the eviction (possibly selling the home)? The same way I would’ve liked to have a conversation with my husband about our problems in the marriage, rather than discovering it for myself through the phone bill. I feel the drama building around me and I feel people getting sick of the endless stories of adversity. In my worst moments I imagine they think what a hard luck case I am and that perhaps “I did something to deserve all of this” and pat themselves on the backs for the neat and tidy packages of their own lives. Other tapes that run through my brain are, “why is all of this happening to me? I’m a good person, nice to elders and children. I volunteer in my child’s pre-school. I support public radio. I pay my taxes. I don’t do drugs; I don’t even drink alcohol anymore. I have always crossed my T’s and dotted my I’s. I have my Masters degree and my work is helping others, for crying out loud! Where are my blind spots and what am I supposed to be learning from all of this?”

My supportive spiritual companion reminds me that God (whatever version you believe in) steps in and offers guidance when you become completely helpless. A few weeks ago we joked that I’m nearly there. Tonight, I believe I have finally arrived. I don’t know what else can be stripped away? I have lost my marriage, half of what I considered my family, my kids half the time, my old community, financial stability and now the place we have called home. What is left? And yet, this is what divorce does. No area of your life can be considered safe from the spreading plague of a divorce.

Two weeks ago one of my cats died. It was actually the day after my last post, which was a perky and self-congratulatory ditty about how well I was FINALLY doing and how great I felt! Hooray for me! Finding my dead cat in the basement that night, his long gray and black striped body stretched out head to tail with rigor mortis, pressed up to the wall, eyes half open and mouth agape, was shattering. I calmly put my 3 and 4 year old sons to bed knowing his body lay there two floors below and then did what I do in all crisis situations: I got to work. I googled “what to do with your dead cat?” (I’m really not joking). After researching the town ordinances, I texted the landlord asking permission to bury my cat on the property, which was granted. I was so thankful my spiritual companion (family aunt) was staying with us to talk to me, support me and make a plan about what we should do. I stroked his dead body, feeling his plush fur for the last time. She was patient and gentle with my emotional process and did the tough and impossible (for me) job of lifting his body, wrapping him in the soft blanket he used to sleep on and then sealing the plastic around him. We tried many different boxes but his body was too long due to his robust physicality and the elongated and stiffened tail. She stayed inside listening for my boys, who often awake at night, while I went out into a fern grove in the forest behind our backyard, clad in boots and my head lamp to dig his grave in the peeper filled moonlight.

I experienced a full litany of emotions throughout this long intense process. In some moments I sobbed, releasing feelings of sadness that had been stored up over the last few months, realizing that that which is not fully felt and experienced the first time, will continue to keep coming back. In other moments I raged into the night like a crazy person, yelling about how fucking unfair this life is. I went through a lot of “what if’s” and self-blame and guilt around failing to take him in to the vet when he was making atypical meowing sounds the previous day. And in some other moments, I felt calm, resolved and at peace with the memory of my handsome adventurous cat’s life and being in the moment of what “is”. Digging in the dirt striking roots, and sharp edges of slate was ultimately calming and cathartic with each shovelful of dirt flung to the side. I remembered back to the day that we brought Clyde and Bonnie (his sister) home from the Montpelier Famers’ Market, and how the artist giving them away told us about their mother, a lovable barn cat. From the tangle of kittens, my husband chose Clyde and I chose Bonnie and we later joked how we secretly liked Clyde better because he was less tempestuous than his sister. I visualized the photos of my son who was two at the time, holding these mewling, squirming balls of fluff and the pure delight and joy on his face. I remembered the rhymes we would make up about the kitties (Clyde who would glide and slide) and how both of my kids could easily hoist up either cat as they grew to full size, the long expanse of their bodies draping over my kids’ arms like heavy snakes, limp and unfazed, ever tolerant. He and Bonnie slept with our family whenever they stayed inside, Clyde usually nesting down with my eldest. At our Vermont house the cats were very much indoor/outdoor cats with free reign, and would hunt at night. One morning Clyde returned with a slash out of one ear from a wilderness scuffle, only reinforcing his tough-sensitive guy persona and forever marking him for those who struggled to tell the two tiger striped kitties apart. They easily adjusted to our Maine home last fall and loved exploring the barn and trekking off into the expansive woods, climbing trees, and returning home to rub up against the dog, circling her legs as she nuzzled noses with them.

At some point in the digging, all of my feelings about my cat became entangled with my feelings about my marriage, and subsequent divorce. I had texted my (ex) husband letting him know our cat had died and asking if he wanted to come help me lay him to rest. His response was that he was “not available.” This moment for me finally crystallized what I already knew. How many times do you walk down that same street falling into the same hole? Listen to what people tell you. I finally got that he is NOT AVAILABLE to me now, or ever. Whatever I need to do, whether it is bury our dead cat, or find a new place to live, I have to do on my own, completely and fully. That is what divorce is, right? I had some fantasy movie montage playing in my head of him driving over, “knight in shining armor” fashion, our sweat pooling into the earth as we dug side by side, reminiscing and connecting about our cat and somehow, despite the divorce and ugliness that has ensued, making peace with his death and facilitating a healing process between us. A letting go and honoring of what once was; our shared history and continued evolution as a family.

Well, it didn’t happen. What did happen was that I realized I had it in me to bury my dead cat. It turns out I have a lot in me that I never knew I had.

These days I’m filled with clichés. “The lord never gives you more than you can handle.” “What doesn’t kill you makes you stronger.” “Something better awaits you.” “The universe gives you what you need to grow.” While I believe all of these things, I realize my desperation to make sense of everything that is happening allows for the tender vulnerability of my own spirituality to emerge. We tell ourselves these things so we can feel better, and yet, we do believe.

Clyde was my (ex) husband’s cat and now they are both gone. I cried for two days after Clyde died until my 4 year-old son said exasperatedly, “It’s life, Mom. This is what happens. Why don’t you go draw a picture about it or something?” (*Child of an expressive art therapist)  I was so worried about my kids and how they would handle yet another loss. I went on and on about how Clyde was “returning to Mother Earth and his spirit would possibly go into another animal, etc. When I asked them if hey had any questions or wanted to talk more about him, my younger said, “I have an idea. We’ll get another cat and name him Clyde!” My older son, said, “If you are done Mom, can I go watch a show?” They are so in the moment and they don’t yet attach all of the suffering to loss that we do as adults.

Ultimately, I couldn’t save the cat, just like I couldn’t save my marriage. This house that we are being evicted from, is still very energetically linked to my (ex) husband and his family and the promise of our fresh start here in Maine, last October. I see all of my ties and memories connected to him drifting away like a log floating down a lazy river, or the lump shrouded in plastic covered with shovel after shovel of damp earth. Soon, nothing recognizable will remain but the same river, winding and flowing, carving a new path. The past is buried and becomes a fertile ground for new growth, new life. I’m not sure where I am headed, but I have to trust that it will be the right place for me, and my kids. I recognize my helplessness to control any of it. I’m ready for you, Divine. It’s time to do your work, because I need a miracle.

For All You Parents…

I wrote this piece about how to help your child in math for Yahoo. This is the same advice I give the parents of my 8th graders during open house every year. I find the parents are often more fearful of algebra than the students:)

I thought I’d share it here as well, since I know many of you are parents of school age children. I hope this can help lower the stress level in your home this fall!

How to Help Your Child In Math (When You Don’t Know It Yourself)

Mommies Are Tired

I test drove motherhood this week.

I was one of 18 chaperones on a three-day trip to Savannah with over 200 8th graders.

I love these trips, but they are such a shock to my system as I go from no kids to being completely responsible for a group of 16 and sharing responsibility for the others.

My days started with me trying to grab sips of coffee while I made the rounds, making sure students were awake and appropriately dressed, administering medication and giving sage advice to address the issues that arise overnight when you stick four teenage girls in a room together.

Breakfast, usually my peaceful time in front of the computer, was taken standing up in the lobby of the hotel so that I could direct the girls and strive to keep their voices at a semi-reasonable level. I think I managed two bites of hot oatmeal before it congealed.

Through the day, I lugged a large backpack filled with their medications and the day’s schedule. I was nurse, tour guide and counselor in one. I made sure that sunscreen and bug spray were applied. And then reapplied. I cautioned them about the effects of the overconsumption of sugar and the need to bring a jacket. I even found myself repeating the dreaded mom words, “Just try,” at the limited bathroom opportunities.

I swear the girls knew the moment I stepped into the shower at the end of the long days as the phone would start to ring as soon as I applied the shampoo to my hair – the hotel equivalent of calling “Mom” across the house.

By the time all of the girls were settled in their rooms, I would collapse, exhausted.

Yet unable to sleep.

The details of the days are tiring, but it is nothing compared to the weight of responsibility that motherhood, even of the three-day variety, holds. I saw potential dangers lurking around previously harmless corners. Every stranger was a threat, every body of water a potential drowning and every curb provided an opportunity to fall. At night, I found that I could not enter deep sleep, as I was constantly listening for the kids.

 

 

When I was a kid, the pastor at my church would call all of the children up to the steps in front of the pulpit for a brief children’s message embedded within the larger sermon. One year when I was about four, the pastor celebrated Mother’s Day by beginning with the prompt, “Mommies are” and then holding out the microphone for the kids to complete the sentence.

The first few shares were your standard:

“Mommies are nice.”

“Mommies are pretty.”

“Mommies are gentle.”

And then the microphone was put in front of me. My contribution on that Mother’s Day?

“Mommies are tired.”

 

Yes, they are. Motherhood is a job with the biggest responsibilities possible and no time off. Motherhood is a job that, just when you think you have it figured out, your kid enters a new phase; you’re in perpetual training. Motherhood is a job that requires that your own needs are neglected so that your offspring’s needs are met.

It is tiring.

But is also rewarding beyond belief, as reflected in the faces of the moms as they reunited with their kids at the end of the trip. I’m sure they enjoyed their three days of peace and quiet but they were thrilled to see their kids (even stinky, cranky, hopped-up-on-sugar kids:) )again.

As for me, I enjoyed the test drive but this particular model is not for me. I’ll stick with teaching!

Happy Mother’s Day to all you tired mommies. I am in awe of what you do every day.