Finances

Now that I'm done processing the fact that I'm growing a human, I now have to get financially prepared for a little one. I crunched some numbers and life is definitely going to need to change. I want a baby more than anything so I'm willing to do whatever I need to do, I'm just a little sad that I can't provide us a comfortable life. I guess that is one down side to doing this alone.

I am going to cancel my cable and internet and I'm going to figure out how to sell stuff on craigslist and see if I can get some money for a lot of stuff I don't want anymore. I really don't want to work a second job because I want that time with my baby, but I'm a bit worried about where the daycare money is going to come from. It's so expensive. I saved all of my Christmas money and have budgeted saving each month but I don't know how much it's going to cover over time, and that's not even considering how much it costs to actually have the baby. I'm trying not to stress too much because that's not good for me or my baby, I just want to know we're going to be okay.

I wish I could go back 10 years and be a saver instead of a spender. I think when it was just me I was so bored that it was something to do. Now that I have something so much more meaningful in my life, there's not a lot left and that's pretty scary. I must learn to just breathe and save, save, save!!!!!

Comments

  1. Christina TJanuary 4, 2014 at 12:26 PM

    A couple of suggestions... join the Facebook "garage sale" groups. I am a admin for the Castle Hills one, and I belong to one in Lewisville/Flo Mo as well. I've sold a TON of stuff on there. They are awesome.

    Daycare is insanely expensive. :-( Does FISD offer a savings account for day care expenses? You can get it deducted from your check pre-tax. Another option would be to look into at home daycare, if you find someone you can trust. They are usually cheaper. If A wasn't in school, I'd say he could be your daycare. That's who is going to watch my unborn children during the day.

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  2. SachseBridgetJanuary 30, 2014 at 12:23 PM

    The link I'm including in this comment is a good article to read. Babies/toddlers/kids are insanely EXPENSIVE and there will always be unexpected costs that you can't plan for. Anything that does not absolutely NEED to be spent should not be spent - instead save it for a rainy day.

    http://www.huffingtonpost.com/taylor-hirth/single-working-mother_b_4688244.html?ncid=txtlnkushpmg00000037

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