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looking for financial advice -off farm job
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<blockquote data-quote="rockridgecattle" data-source="post: 809801" data-attributes="member: 6198"><p>So I need some help here. Hubby and i are thinking on me giving up my full time job driving school bus. The hours in the day are just not long enough sometimes...alot of the times. What i am finding is, doing to many things, not enough time to complete the jobs i have...well. Taking short cuts that at times cost more in the long run. I have given up on my hobbies. Gone is cooking good home cooked meals (enjoy cooking), gone is the garden and, well, the flowerbeds became so weed infested, i closed my eyes every time i passed them. Gone is my yard (didn't help all the flooding last year), no time to cross stitch, etc. </p><p></p><p>School bus driving is a decent income. Not decent enough to support a family, but for 5 hours a day, not bad. Understand though, I work hard for that $ It is not like how it use to be...put it in drive and go. It is stressfull. I drive 224km a day, if i figured it right 134 miles a day. Rural gravel roads, poor driving conditions, special need students, regulations, and parents...sometimes the parents are the hardest. Oh and the biggest downer....getting sick. If it's going through the school... On the flip side, I have a brand new bus, automatic, air ride, mostly good students (two special needs who take my concentration from the road), and a decent income. Not to mention, it costs me nothing in gas or vechicle depreciation to go to work. I walk out my door and walk into my bus. </p><p></p><p>Hubby got laid off a few years ago and we adjusted, our master card came down considerably after he was no longer working full time. He does spare drive when needed, and i would too. If i needed to find a job in town later on, that should not be too hard... just will not pay as well. Shortage of workers in our area. I should mention to those who do not know, the farm is diversified...commercial beef, honey and retail of the honey and products.</p><p></p><p>If we were just cows, I would not give it up, but with the bees and the retail, keeps me hopping.</p><p></p><p>So I am trying to put together a budget of proposed house hold expenses and figure how the farm can pay for some living. </p><p></p><p>A thought i had was gross farming income...10-15% off the top into an account to pay for groceries and necessities of life. Still trying to complete last year's bookwork and so not 100% sure on the income ratio.</p><p></p><p>Have you ever done this? Any advice from the seasoned farmers out there who jumped ship on the full time job and relied on the farm to meet the needs?</p></blockquote><p></p>
[QUOTE="rockridgecattle, post: 809801, member: 6198"] So I need some help here. Hubby and i are thinking on me giving up my full time job driving school bus. The hours in the day are just not long enough sometimes...alot of the times. What i am finding is, doing to many things, not enough time to complete the jobs i have...well. Taking short cuts that at times cost more in the long run. I have given up on my hobbies. Gone is cooking good home cooked meals (enjoy cooking), gone is the garden and, well, the flowerbeds became so weed infested, i closed my eyes every time i passed them. Gone is my yard (didn't help all the flooding last year), no time to cross stitch, etc. School bus driving is a decent income. Not decent enough to support a family, but for 5 hours a day, not bad. Understand though, I work hard for that $ It is not like how it use to be...put it in drive and go. It is stressfull. I drive 224km a day, if i figured it right 134 miles a day. Rural gravel roads, poor driving conditions, special need students, regulations, and parents...sometimes the parents are the hardest. Oh and the biggest downer....getting sick. If it's going through the school... On the flip side, I have a brand new bus, automatic, air ride, mostly good students (two special needs who take my concentration from the road), and a decent income. Not to mention, it costs me nothing in gas or vechicle depreciation to go to work. I walk out my door and walk into my bus. Hubby got laid off a few years ago and we adjusted, our master card came down considerably after he was no longer working full time. He does spare drive when needed, and i would too. If i needed to find a job in town later on, that should not be too hard... just will not pay as well. Shortage of workers in our area. I should mention to those who do not know, the farm is diversified...commercial beef, honey and retail of the honey and products. If we were just cows, I would not give it up, but with the bees and the retail, keeps me hopping. So I am trying to put together a budget of proposed house hold expenses and figure how the farm can pay for some living. A thought i had was gross farming income...10-15% off the top into an account to pay for groceries and necessities of life. Still trying to complete last year's bookwork and so not 100% sure on the income ratio. Have you ever done this? Any advice from the seasoned farmers out there who jumped ship on the full time job and relied on the farm to meet the needs? [/QUOTE]
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