The Financial Perks of a Working Mum

The clock is ticking away…. It’s gonna be May tomorrow, soon it’ll be June, then July, when parents of all Primary One going kids get stressed over the which Primary School to go to.  After that, what’s the arrangement like?  Urgh……

I am very grateful to Baby1 and Baby2’s current childcare centre. Kudos to the teachers there.  We deposit the kids around 7.30am every day, and ah gong picks them up at 6pm every day.  It’s 10 and a half hours in “school” everyday.  Compare to our 8.30 to 6 jobs, the kids spend more time in “school” then us adults in office everyday!

But when next year comes, and Baby1 goes to Primary School, who’s going to take care of her after school?  Urgh, I’ve been procrastinating on this question every since people start asking me “which Primary School” ever since a few years back.  And we still don’t have a plan yet.

The grandparents that we want help from, don’t want to help; and the grandparents who we don’t want help from, want to help.

Ideally, kids should be cared for by their own parents, so that we parents cannot complain that the kids watch too much tv, or eat too little dinner, or play too much, or didn’t do any homework, or get fed with sweets and snacks after school.

The drawback of such an arrangement: the money, of course!

Having been in the company for coming to 10 years, I have always been appreciative of a regular salary that paid employment provides.  As we consider being a full time SAHM, suddenly the medical reimbursements, medical leave, paid 21 days annual leave, additional annual leave if public holiday falls on a Saturday, paid 6 days child care leave, employer’s contribution to CPF, working mum tax relief, childcare subsidies for working mum, all these suddenly feels too lucrative to forsake. (Salute!  Salute to hubbies of full time SAHM, now I know how much more money you need to bring in for your family!)

Can we afford to become a SAHM?  Haiz, I don’t know, but it sounds tough…

The best situation is if I can work part time, and be home in time when Baby1 gets home after school.  This seems like a tough proposition, given that my company doesn’t seem very family-pro.  There has been much talk recently (actually, for many years le), on changing Singaporeans mindset on having kids, or having more kids, but ultimately, if our society is only selectively encouraging, we mummies can only suffer silently in this society.

There’s still 8 more months to go, we’ll take one step at a time…

– Dear2

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