Debt Crunch – The Working Poor is NOT about Them.
Debt Crunch – I’ve been in a mood. It’s time tickin’ away. Waiting for a paycheck every two weeks. Knowing how much I am paying for my health insurance and getting cranky at how little living sparingly is NOT making much progress. I think it all stems from the fact that piecing out slots of time to family when I need child care in order to work is not working at all. I have yet to find someone willing to watch them consistently (they have special needs) let alone have this child caregiver give me a quote for their child care fee.
Since everything is so cut to the bone now, I’m not sure how to add in the cost of child care. Although I will make around 30K this year – my health insurance runs close to nine thousand a year which brings my annual net earnings after taxes to around $18K. Doesn’t look so impressive at that level then think childcare costs…
Thus the “working” poor label. It’s not about them – I’m there too. It’s just different when your family makes it difficult to work more hours or different job. My family plays a key role in the type of job I take.
It’s OK.
One thing about me and my moods is that they don’t last long.
It’s just that rather than being just a personal finance blog – I’m thinking Debt Crunch will become a “how to not go completely insane while earning enough to become debt free despite tough circumstances” blog. 
Tammy
Tags: debt, debt free, debt-crunch, money
