From Two Incomes to One: Our Testimony

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When my husband and I got engaged, my co-worker commented, “You’ll be living the good life. You’ll be DINK.” Huh? I’ve never heard that term before, so he educated me: Dual Income, No Kids.

But, our plans after marriage wasn’t to “live the good life” by the world’s standards. And, if we were DINK after our wedding day, we didn’t plan on being DINK for very long. We both knew that if God gave us children, I was going to be home with them. But we also knew that the path towards that goal was not going to be easy financially.

At the time, I was making a lot more income than my husband. I had bought a house before we started dating. (I thought I was going to be single forever, so that money I was setting aside for my future wedding day became the down payment on a house.) The mortgage payment was based on my income, not his. Then, there’s all the bills, typical monthly spending, etc. The numbers didn’t add up. We prayed and sought the One, who transcends all mathematical calculations and budget spreadsheets. If it was God’s will for me to quit my job, and for us to live off of one income, the numbers don’t have to add up. God will provide.

And, provide, He did. We are no longer DINK. We are SINK: Single Income, Numerous Kids (I made that one up … maybe it will catch on πŸ™‚ )

We had to make adjustments. We had to change our lifestyle choices. We had to say “no” to a lot of things we thought we needed. But we got to say “yes” to so much more of what truly mattered.

I know raising a family on one income is not for everyone. Whatever decision you are facing right now, whether it’s a transition from two incomes to one or going back to work after having a baby, the root of it all is simply trusting God.

Have you ever made a difficult financial decision that turned out for the better?

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5 thoughts on “From Two Incomes to One: Our Testimony

  1. I was fortunate enough to work in a position that allowed me to go from Full Time to Part Time. I can work around my huaband’s schedule so I am able to stay at home during the days with Adam and then go work 4 hours in the evening. There are days that I wish I didn’t have to work but it has actually been a nice escape to go and have a great group of co-workers and a place I can have some fun.

    It’s been tight but I wouldn’t have it any other way.

    1. It’s great that your job is allowing you to continue on a part-time basis. I think more companies are realizing that if they want to keep their best employees, they need to make accommodations for those with families. You can’t put a dollar value on the time that you get to spend with your son. So great that it has worked out for you and your family!

  2. my husband and I are both working right now but we a looking forward to be a part of SINK (Love the term btw). Hopefully on an income that can support our basic needs and I trust God it’s in the near future. πŸ™‚

    1. Yes, it takes some planning, figuring out, and agreeing on what the basic needs are. It certainly helped us iron out the kinks in our communication early on in our marriage. Praying God will give you clear direction for your future.

  3. Like the sink acronym! πŸ˜‰ Yes, I can def relate! When I was pregnant w/our daughter, I had to stop working early in my pregnancy due to severe morning sickness (which was constant!). We planned for me to work for 6 more months, but somehow God provided! (& we had 2 hefty car pymts!) I know all about when the math doesn’t add up! Now, here we are 17 yrs later! πŸ˜‰

    1. Thank you for sharing your story! We make many plans, but God will ultimately direct our steps, sometimes in the completely opposite direction. His ways are always better!

  4. Haha, SINK, I love that!
    We are also a SINK family and as financially different it is from DINK, the benefits far outweigh the challenges for us. πŸ˜€

    1. Absolutely! And because we had to say “no” to buying certain things, we also had to tell our kids that when they would ask for things. It’s been a good opportunity for us to teach them about thankfulness, contentment, and stewardship.

  5. Omg, I love this sooooo much. It’s true, it’s really about trusting God. We are both working and living on both incomes. This is something I need to work on. When my boys were born, I took 7 months off of work to be with them because they were premature and faced some challenges in the beginning. One of my sons became really sick and almost lost his life..my decision to take a 6 week leave turned into taking a much longer leave. How were we going to make it financially? I’m not going to lie, it wasn’t easy…but trusting God to provide and his provision really helped – and he provided in some miraculous ways. Thank for this encouraging post. In the end, it really is all about trust.

    1. I love hearing stories like that! Thanks for sharing! Sometimes God has to get us to a point where we feel like we’re really out of options. There’s no where to look but up. Then, we get to see Him do His work!

  6. We are DINKs to SINKs too. And “God will provide” has been our motto as well. True enough, every time I start to worry, I’d pray and soon after God has enlightened me with the solution and path to take. Sometimes He even sends good Samaritans. πŸ™‚

  7. The SINK acronym is great! But I guess all these years we’d have been a SLINK family. Less-than Single Income & Numerous Kids! And now we’re just a different kind of SLINK family. Less-than Single Income & No-more Kids-at-home! But God has always provided, even when our income has been absolutely zero! That’s what we’d call the good life!

  8. Both my husband and i have prayed and feel that God is calling me to me a homemaker and one day soon a stay at home mom. My husband would be supportive no matter what I do, but my struggle is dealing with people who have no idea what I do at home. I also deal with people that think I need a job. How do you deal with that? Have you run into any of those issues? Great eye opening post!

    1. I can see that you would get more comments like that because you don’t have any children yet. But even for me, though I’m a mom, I know the decision to stay home was questioned because I was earning more income and because I went to college and got a degree. To them, that seems like such a waste. I have friends, who made the decision with their husbands to stay home, even though they had no children. I know they were criticized, but they didn’t waver in their decision, using the opportunity to testify to others that they desired to be excellent keepers and managers of their homes for The Lord. They knew from experience that it was difficult to keep the home when they had a full-time job. Not everyone will get that. It’s a personal decision that we don’t have to try to defend to others. Hopefully, after explaining your reasons, people will just respect your decision, even if they don’t agree with it.

  9. I am in this kind of decision-making process. You must have read my previous post about thinking of quitting my job to stay home with my son. And up until now, I am still not sure of what to do. But in my head I’m planning to stop working at least by the end of this year.

    You’re very brave to face the challenge. My husband was recently out of job for a month and it wasn’t the first time. He’s back with a job now though. For a month, I thought we won’t survive but we did! I think it’s just a matter of financial priorities and yes, trust in God.

    Thank you for sharing this! πŸ™‚

    1. Yes, I remember reading your post about this matter. My heart goes out to you. It’s not an easy decision, especially with the added concern you have about your son. It’s good you’re planning now. It’s not something that will happen overnight. But you can do things now to work towards that goal. I always appreciate your visits here, Rea! Many blessings to you!

  10. Interesting … We are waaaaay short on funds for me to stay home but some days I think it would just work out if I quit (I also make more than my husband)… Maternity leave ends in a week and all I do us pray over the situation!!!

    1. I did a followup post to this, which you may be interested in reading. We did a trial run when we were both working, to see if it was even possible. We directed deposited all my income to a savings account, which we didn’t touch and rarely even looked at. This really forced us to figure out what things we can cut out and see if it was even possible. If you can’t completely quit, you may realize that you can at least work part-time to supplement your husband’s income. I’m praying for you. It is a huge and scary step for many couples. Thank you for stopping by! Feel free to send me a message if you have any more questions or comments!
      https://less2more.com/2014/05/20/from-two-incomes-to-one-start-living-on-one-now/

  11. Thank you so much for this post! I also worked in the corporate world when my husband and I first married and made the larger income. In a whirlwind of a first year of marriage, I got pregnant, my husband was hired for his dream job but left for 6 months of training, and then we moved 10 hours away from family and friends. I loved being at home with our beautiful daughter for her first year, but I needed an outlet with adults to talk to and so began working part time about 12 hours a week in a completely new job category. I also found it difficult when our daughter was about a year to be at home all the time; please don’t get me wrong I love our daughter and I love spending time with her, but it is difficult to go from working in the corporate world to working at home for me. I know I am called to be at home when we do have more children and we are homeschooling but my question to you is, how did you make the transition from corporate woman to working woman at home?

    1. You know, for me, I was really glad to leave the corporate world behind. Where I worked wasn’t the greatest environment. It was a large brokerage firm, where a lot of people were just trying to climb on top of each other to get higher on the corporate ladder. I had a few close friends there, but most of the relationships from my job were not very deep. I found outlets to be with other adults through mom’s groups, and I was involved in different groups at my church. I also invested time in the friendships that God gave me, and though I wasn’t around adults most of the day, those friendships were more meaningful than any relationships that I had from my job. I had a really challenging job, but being a mom to my 4 kids and taking care of my home has presented me with challenges I have never encountered before. It is so different and in many ways, a lot harder, so I can see why you find the transition to be difficult. I try to look at the incomparable reward of being around my children and the opportunity to teach them … it cannot even begin to measure up to any year-end bonus from any job. I hope this helps you think through your situation. Please don’t hesitate to contact me if you have any more questions (you can also click the “contact” form in the menu above to send me a private message). God bless!

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