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amother


Cobalt
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Wed, Oct 10 2018, 1:58 am
We're a couple in our 40s living in Israel and we have a large family ka"h. I work from home with my 2 youngest children with me. My husband is in kollel and has 2 very small businesses on the side which he runs at night. Until recently, we've been making ends meet by living very frugally. We don't own a car, have no household help, never go out to eat, use hand-me-downs, etc. We're BH happy to be supporting ourselves and not be dependent on others. Hashem has been good to us and we've even been able to put away a bit for the future.
One thing that's been helping us significantly is that we've been entitled to a non-income-related stipend from the government every month. I don't want to give too much detail, but just as handicapped people or terror victims get a monthly deposit from Bituach Leumi, we've also been getting a significant sum of money deposited into our account due to our unique circumstance. The amount of the deposit is approximately the same as my monthly paycheck.
Recently, Bituach Leumi has decided to stop giving us this money. There was little warning about this and we were not prepared for this. And suddenly we find ourselves very strapped for cash and have actually had to borrow money to get us to the end of the month. Of course, our expenses have not decreased and there are always things coming up. We desperately need to replace our broken fridge, and we need a significant safety-related home repair and we have no way we can even think about these things now. We can barely put food on the table and that has to come first. Our daughter also just got braces right before the stipend was stopped and we're left having to cover the cost of that without this income.
So, any creative ideas of how we can increase our income? I can take on another client or two, but it won't bring in enough to make up the difference. DH's businesses don't take up too much of his time at this point so he's open to looking into something else he can do bein hasdarim or in the evenings, but we don't really know where to start. His only degree is a Bachelor's of Talmudic Law and he has no particular training in anything, and we don't have time or money for him to study anything at this point.
Any suggestions would be welcome.
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shabbatiscoming


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Wed, Oct 10 2018, 2:05 am
Could he stop kollel for awhile to do something during the day, at least until you are back to a better financial place?
If not, and he cant change the night time jobs and you cant change your day job too much, you will have to find things to cut back on.
Really there are only two viable options, have less to spend on or make more money. Can you work full time?
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someone


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Wed, Oct 10 2018, 3:14 am
Could your husband give private lessons in limuedei kodesh? Help boys struggling with gemara, that kind of thing? People pay well for that. Maybe he could tutor in English as well?
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someone


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Wed, Oct 10 2018, 4:30 am
amother wrote: | Thank you. This gives me some food for thought. Most of the elementary school kids who need help get it very cheaply through Yad Eliezer, but he may do well to advertise among high school kids. I will definitely suggest this to him. |
Wishing you lots of hatzlacha and siyata dishmaya in everything you do.
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DVOM


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Wed, Oct 10 2018, 8:06 am
Tell us more about your husband's businesses. Maybe there is a way for him to expand them.
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amother


Pink
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Wed, Oct 10 2018, 10:39 am
Can you babysit other kids while you take care of yours.
Open a playgroup.
Do you bake?
Dd makes party themed dipped items, cookies, pretzels, etc. and sets up desser displays.
You need to have a talent for this, though.
The idea is to offer a service that ppl want or need
Is there a government funded course you can take, sometimes these courses pay a stipen and baby sitting for women to find a career, don’t know if this exist in Israel.
Last, but not least. Will a full time employment for yourself be worth financially to cover childcare and your expenses? I know it’s not ideal to not take care of your own children, but these are hard circumstances
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