What do you do when you're the stay at home mom and you can't work?

What are you worth?

I would like to thank the entire 8th floor at the University of Virginia Hospital for their help this week. I spent my week in the hospital hoping my water hadn’t broken. It did not thank goodness since I am only 26 weeks a long. I am not a person who does well sitting still; especially when I really want to be with my children.  I had the best nurses and doctors and it made it a good experience. Although, I hope not to visit again until June.

It got me thinking what am I worth? I mean in true dollars and cents. We made the decision that I would stay at home and raise the children. My husband has a job that affords us this luxury. The problem is, it doesn’t afford us the luxury of me being in the hospital and having to pay for childcare if I am on bed rest for the next 90 days. We have almost every type of insurance known to man “just in case”. But we do not have anything if I can’t work. Does this exist? What do you do if the stay at home mom can’t stay at home?

I started to really panic since our family lives out of state. I have tons of friends who would help in anyway they can, but I have to be prepared for daily care if needed. I estimate it will cost me about $250 a week for my daughter and my son just for childcare. I am not sure where we would garner the extra $3,000 for the 90 days. We would also need additional funds if I do deliver early because the new baby would require additional care and expenses.

I am asking you, are there any programs out there to help people who make more than $35,000 a year but not enough to pay for child care in an event of emergency?  I have a plan in place since I currently work part-time from my house. I can work from the hospital and make enough to cover the cost of care. We also have family that can come and help if we need them.  I was just wondering about other people who do not have a virtual job, savings, or family to help.  I would like to be able to help others who aren’t as lucky.

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