Is Daycare Worth It? Analyzing the Financial Impact of Childcare Costs When You Don’t Get a Steady Paycheck
I looked at the title above that I just typed out on a whim, and I just had to guffaw, heartily. I am probably the last person in the world who should be advising anyone about anything involving the words “financial”, “analyze” and “impact.” And all the Dave Ramseys and Suze Ormans in the world can’t help me with my own bad habits and disinclination to be bothered with such things as budgeting and retirement planning. I grew up in a relatively lower-middle income household that was constantly in and out of debt, with a couple bankruptcies to boot. When I started making tips as a waitress at the age of 16, hoarding all of my money seemed the only reasonable thing to do. After all, the only way I knew how to “budget” was to try to make as much money as possible, and in turn spend as little of it as possible.