Couple with 2 children-only respond if applicable

amother

OP ↓

Fri, Sep 06 2024, 5:52 pm

Are you in this category:
4 in household- you & dh and 2 children
Husband learning & your working?

How much are you making? What's the norm

amother

Oatmeal

Fri, Sep 06 2024, 6:01 pm

we are in this category. I make around $50 k, husband gets around $15 k

amother

Diamond

Fri, Sep 06 2024, 6:16 pm

Having baby #2 iyh.
Husband learns right now he’s getting 13k a year from kollel plus $6k a year with a very very small job .

I work 2 part time jobs one brings in about 12k other one is more of a hobby I make about $7k a year. I’m a bit disabled so full time work is not an option right now.

Parents together give us $4500 monthly
They also pay few random things for us ie home insurance , I’m still on their health insurance (husband has through his job) and then my parents randomly will send money to cover things occasionally

(wealthy circles so no one has to yell about parents stretching themselves thin)

amother

↑ OP ↓

Fri, Sep 06 2024, 6:24 pm

So bh we have a bit support from parents (my health insurance and some car & rent expenses) but I make around 51k and hub makes very little from kollel barely counted. How do ppl survive like this?
We have vouchers bh, and wic (thank god bec formula costs a ton) but is this normal

amother

Midnight

Fri, Sep 06 2024, 6:25 pm

Husband unemployed

Im working full time BH

I think I make about 90k

‘My benefits are excellent and are worth probably another 30k

m-u-a-mama

Fri, Sep 06 2024, 6:26 pm

amother OP wrote:

So bh we have a tiny bit support from parents but I make around 51k and hub makes very little from kollel barely counted. How do ppl survive like this?
We have vouchers bh, and wic (thank god bec formula costs a ton) but is this normal

What do you do ? Can you go somewhere with higher salary?

Also does he have an option to switch kollelim/chaburos and make a bit more? My husband switched chaburos to a paying one to pay for a specific expense

amother

Hyacinth ↓

Sat, Sep 07 2024, 1:35 pm

I don’t work. Dh works part time and gets support from his parents. Together it’s 70k a year.
We live in Israel, 2 kids. Just about making it. Don’t have enough to buy tickets to visit our parents for ymtv.

amother

Maize

Sat, Sep 07 2024, 5:21 pm

amother Hyacinth wrote:

My math tells me that's 21700 NIS each month, is that right? How do you "just about make it"?
When we had 2 kids we made it on 6k NIS a month, if we'd lived in a more expensive area we'd have needed 9k a month.

amother

↑ Hyacinth

Sat, Sep 07 2024, 5:25 pm

amother Maize wrote:

5,000 rent
5,000 car and gas
1,000 tuition
6,000 food and pharmacy
1,000 bills
The rest just flows out…..
We also have a lot of debt from when my dh was unemployed during covid.

amother

Magnolia

Sat, Sep 07 2024, 6:49 pm

amother Hyacinth wrote:

5,000 rent
5,000 car and gas
1,000 tuition
6,000 food and pharmacy
1,000 bills
The rest just flows out…..
We also have a lot of debt from when my dh was unemployed during covid.

I don't know if you are looking to cut back or not.
If you are, you can get way cheaper rent if you move a little out
Your car and gas sounds very high.

I have a double digit family bH and we are doing well on 30,000 a month.

amother

Bisque

Sat, Sep 07 2024, 8:50 pm

I work and my husband is learning. My husband makes about 14k from a kollel check and I make about 75k. For now we’re good BH and putting away some savings monthly towards a house.

amother

Nectarine

Sat, Sep 07 2024, 8:57 pm

I’m in this category, I make a little over 100k
There is no norm. It depends what job u have

amother

Peony

Sat, Sep 07 2024, 9:13 pm

I have two children. I make 120k with tons of benefits, husband makes 90k. Between student loans, taxes, and tuition were not saving nearly enouh to buy a house anytime soon and its depressing. We would need 100k+ for a down payment, even with our decent income its extremely hard to save up that much! We only starting earning this much very recently since we graduared school. If we had our kids a few years later we would be in a very different place.

amother

Bergamot

Sat, Sep 07 2024, 9:43 pm

amother OP wrote:

Make about 30k and not sure about husband but works less hours.
Yes medicaid, WIC etc are definitely helpful
Not sure how teachers do it with low pay
Actually wondering which formula is on WIC as I just started on that and ya it's expensive

amother

NeonPurple

Sat, Sep 07 2024, 10:00 pm

amother OP wrote:

Sounds like you mainly need to pay rent and food. That should be tight, but doable.

amother

Geranium

Sat, Sep 07 2024, 10:31 pm

We have 2 kids, make about 7,000 a month and are paying our bills and putting a few thousand in savings monthly Baruch Hashem.

Molly Weasley

Sat, Sep 07 2024, 10:34 pm

Not applicable to me, but it may be wise for posters to also note their General geographical area

Every geographical area has different Financial realities, including sometimes higher salaries but the higher cost of living as well.