Many families are multi-jobbers. They earn a minimal salary in one job, and have to work another job to make ends meet. Often there is no time for continuing education. How can families get out of such a situation?

It is a mega difficult situation when the complete time is fully used and still not enough comes out of it. Consider whether it is possible to change jobs, or get an additional qualification. Maybe it’s possible to cut costs at one point (make very hard cut decisions, if only for a short period of time) to use the money for further education.

There are generally the two screws: income and expenses

If nothing else is possible on the expense side, then the only thing left is the income side.

And the most essential question is: Would our lives be better, easier, more harmonious, more conflict-free if we worked less? Would we be happier – or would we not miss our jobs so much? Would our children be happier – or wouldn’t they miss their friends and experiences without us? Our weekends are often even more stressful than the weekdays, my sister used to say that the times when she didn’t work were particularly frustrating because she would have liked everything to be perfect then – and that just isn’t possible with five kids, even if she doesn’t work. If she has a balance herself, she is more relaxed.

The time when the children are so small won’t come back. I hope you were able to gain some exciting insights. Family and financial planning – how do you manage it?

And the most essential question is: Would our lives be better, easier, more harmonious, more conflict-free if we worked less? Would we be happier – or would we not miss our jobs so much? Would our children be happier – or wouldn’t they miss their friends and experiences without us? Our weekends are often even more stressful than the weekdays, my sister used to say that the times when she didn’t work were particularly frustrating because she would have liked everything to be perfect then – and that just isn’t possible with five kids, even if she doesn’t work. If she has a balance herself, she is more relaxed.

The time when the children are so small won’t come back. That is why it’s important to make the most of it. With proper financial planning we can free up time and enable us to spend more of it with our beloved children. Don’t trade these wonderful years, there are alternatives with effective financial planning services!