Impact Fees: The Hidden Costs of Two Income Families

When both Mom and Dad are both working full-time, it doesn’t leave much time to take care of the basics. Grocery shopping and filling the car up with gas can often prove a challenging fit into one’s schedule… let alone the little things like: laundry, house cleaning, lawn & garden care, dog walking and feeding, picking up the kids because you can’t leave work at 3:00 in the afternoon…little things like that.

The amount of time it takes to run a household adds up fast…especially when you consider the fact that unless you have another family member living with you (like a mother or mother-in-law) you need to pay someone to help with the day-to-day chores and errands.

The bottom line? If you’re thinking about going back to work once the kid(s) are in school full-time, you should consider the direct impact by weighing the tangible expenses of doing so…or rather ensure that your return to the work force will yield an income that outweighs the cost savings of staying home (calculated below).

House Cleaner: $7,200+/yr.

Babysitter / Nanny: $12,000 - $35,000+/yr.

Dog Walker: $7,800/yr.

Summer Camp / Swim or Country Club:  $2,000 - $10,000+/yr.

Landscaping: $1,500 - $4,000+/yr.

Dry-cleaning: $1,000 - $2,000+/yr.

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$31,500 - $66,000+/yr.

In short, unless you’re re-entry into the job market guarantees a salary of at least $50,000+/yr.… it’s likely you won’t break-even (on paper).

But what should also be taken into consideration, if you are one of the very fortunate (and very few) Americans who are in the position to even view a 2nd income as an option, is the fact that people who do what they love are happier people. And happy people not only make better friends and better lovers but better parents too. So, if your family can sustain itself on one (or one and a half salaries) ask yourself what you love more…the fulfillment of keeping a home or the fulfillment of your former line of work.  

Entry Point: Starting School on a Part-Time Basis

When faced with the dilemma of sending Catherine to school on a Full-Time basis (which would include recess, lunch and naps) versus a Part-Time basis (going home at 11:30am), we asked if the tuition could be pro-rated to reflect a gradual increase of time spent there each day.

We thought a gradual introduction to school beginning with a Part-Time schedule would be best and that she would eventually communicate her willingness and/or desire to spend more time at school as she develops relationships and a respective comfort level.  They agreed so long as her pick-up times were during windows that would not be disruptive to the other childrens’ routines. 

With the exception of a few days at her grandparent’s and a few nights in hotels, Catherine hadn’t once taken a nap outside of our home. Although we realized that it would happen…we certainly didn’t want to be married to a date by which it would happen.  Even the thought that she would be lying down for a nap in a strange place was so incredible to imagine that it made me laugh nervously at the teacher's mere mention of it.

So we’re opted to gradually bring her into the waters of Montessori like a bagged goldfish into a new tank . Not that we thought the sudden climate change might have killed her…kids seem pretty pliable and resilient. This gradual introduction served more as psychological transition time for us than for her.

A few days later we brought a blanket and Pillow to school with us. The goal was for her to see more of her things there and simply get comfortable with the idea that she could take a nap there if she was so inclined. When I arrived to pick her up at 1:30 yesterday, her teacher Mrs.Berry rushed to greet me with a finger held against her lips. She whispered: “Catherine came in from recess and was so excited to take a nap in her spot that she was actually the first one to lay down!” I asked if I could take a peek through the double-sided mirror and she quietly walked me over. There I could see the my little girl's golden locks peeking out from under a blanket covering her little body with her legs tucked-up under her. Catherine was twirling her hair with one hand while the other was softly tucked for suckling in her mouth. Mrs. Will (her other teacher) was  gently, rythmically, rubbing her back. Suddenly I felt like “this was it”. Like it was all about to come to an end…. I was immediately struck with the heaviness that accompanies a sad farewell in my heart. I suddenly realized that I was going to find her doing more and more without me. Growing up and being magical with other people and I wouldn’t be there to see it...to even hear what she was saying. I fought back a tear…partly of joy and partly of sadness. I drove back home and imagined the joy of relishing something ordinary and mundane with her in the future... like a game of basketball in the driveway after not seeing her for so long. Like Steve Martin in Parenthood only backwards….instead of my eyes welling up from recalling images of her childhood, I was lost, only for a moment, in realizing that her "growing-up" meant relying less on me.

Watching The Clock: Feeling Terrible about Being Bored

I love my daughter with every ounce of my being but my ego keeps beating me up and making me feel like a glorified baby sitter. I’m just feeling unproductive. I need to be productive. I miss conversations with adults and being interested in my day. This amazing little girl of mine wants nothing more than to have me as her playmate. To play or paint or pretend with me. It’s a remarkable challenge to constantly come up with ideas and activities that are entertaining and fun for both of us. I try to adopt the mindset of a child and build cardboard castles or pillow forts but after 10 minutes, it’s all I can do to stay awake. I’m bored. I need to figure out a way to continue working …part-part-time. Something. Anything from home, Perhaps I can get some work done while she takes her three hour nap. That should be enough time to make a few phone calls and review a contract or two.