Is it really worth if for me to work?

[BKOnce]

While you are unemployed, I am sure that you can do a bit of "baby sitting" for "cash," and make some extra income. You might also take some classes yourself (using babysitting money) in order to get some interesting skills.

I saw ads looking for "dog baby sitter" position too.

[marcie26]

Since you obviously make less than the medium pay in your state, look into filing Chapter 7 - getting rid of all your debts. While you cannot discharge a student loan, and will have to reaffirm your car loan - if you have a car loan,you will get rid of any other debts that take a bite out of your paycheck.

How do I find out what the medium pay is in Il? (I don't know if I posted that my husband makes about 2200$ per month take home)

[marcie26]

Marcie26,
You didn't say what you went to school for. I assume from your post that you are in an entry level job? My guess is that would be expected fresh out of college.
Just wondering if you are in a field in which your work experience now would go towards a promotion or higher paying position down the road. If so, it may be worth it to "put your time in" at this position to gain you the experience to be more competitive in your field in the next couple of years?
I have been working in my profession for 19 years. When my son was a baby, I made very little money. I actually worked a second job just to help with daycare expenses from the first job.
Today I make 408% of my salary at that time.
Not saying this is for everyone, but sometimes an investment early on in your career can pay off down the road.

Just something to think about, and again........depends on your own situation.

K

Believe it or not I actually went to school for psychology - that seems funny now I got my degree though in individual studies because they did not offer a BA in psych (I too almost all my classes in psych or social work)
Problem is we live in such a rural area I cannot find work nearby. I honestly wish I would have went into a technical field - although my work is rewarding, it sure doesn't pay the bills

[ripley1423]

Link to median income limits for BK

http://www.usdoj.gov/ust/eo/bapcpa/20070201/bci_data/median_income_table.htm

The income that the court considers is based on your AVERAGE income in the six months before your file.

[marcie26]

http://www.usdoj.gov/ust/eo/bapcpa/2...come_table.htm

The income that the court considers is based on your AVERAGE income in the six months before your file.

Wow, we would be well under that especially if I do end up leaving my job - thanks for the info!