Showing posts with label sahm. Show all posts
Showing posts with label sahm. Show all posts

Monday, June 14, 2010

What lies ahead

I as a general rule try not to think too far in advance, I used to and that wasn't so healthy for me. This time though I kind of need to think ahead. There is a lot of stuff swirling around and I honestly am not sure how it will all play out.

Work: Any regular readers of this blog (do I have those?) know that I HATE my job. I didn't want to go back after my maternity leave, etc etc. However, I do get paid pretty well and we have health insurance through my work. I have flexible hours and can make my own schedule, yeah I know I shouldn't complain. Well, on Friday I was informed that at any time in the next 14-16 months, I will be out of a job and thus lose our health insurance. I can't really go in to details. All I know is I could be out of work in 3 months or 16 months...kind of hard to plan for that.

Here is what makes it even more interesting...

Adoption: We have been waiting almost 7 months for our son. We expect to be waiting at least another 12-14 months or so could be longer than that. The plan was after we travelled to bring him home, I would no longer work outside the home. I would be a SAHM as the cost of daycare would be more than I would bring home at my current job.

Health insurance: I am CLUELESS about how to obtain private health insurance. We have some obstacles facing us in that department. I don't really know how the new healthcare laws will affect us. They in theory would make it easier for us but I am not sure the pieces we are concerned about will be in effect in time to benefit us. We have some pre-exsisting condition issues for my hubby and for Kiya. That could pose a very expensive problem.

So what to do? That is a very good question. I feel like we have limited options.

Ride it out: This is my ideal choice. We find no sub leasers for the business and can just ride out the lease. This gets me VERY close to being united with my son at which time I was going to stop working anyway.

Find a new job: I could start the job search process. ICK! I am not excited about that prospect and I know in my head that I will likely be at that job for maybe 2 years. I am checking a few ideal places for some ideal jobs to see if they may pop up between now and then but for now I am not committed to job searching.

Find health insurance: The ideal here would be for my husband's company to offer health insurance. If you see pigs flying, then that might actually happen. Otherwise not likely. So on to private insurance...UGHHH. I was dreading dealing with that a year and half from now but so soon.

The worst part is I have no idea when I could lose my job. I know it will be gone by October of 2011 but it could be gone much sooner than that. How do you plan for this? I have no idea. Right now I am in denial that I will have to get another job. I am holding on to the riding it out option and our adoption not taking more than another 14 months or so for referral anyway. Am I crazy, maybe? Could it work this way? Yes. Could it all come crashing down on me in the next 3 months? Yup.

Wish me luck. The road ahead is looking a little bumpy.