Dear Cheapskate: With two little boys, my husband and I are paying through the roof for day care. It seems like almost all the money I earn goes to child care, so I’ve been thinking of quitting my job and staying home with the kids. I’m enthusiastic at the thought of spending more time with them, but I also want to be sure my family will be OK financially. Is there an easy way to make sure the decision is right for us?—Monica, Pennsylvania
Dear Monica: I think you’re on to something. But before you make any rash decisions, do this: Write down a figure that represents your monthly net (take-home) pay.
