Whats everyone doing regarding finances for when your pregnant/have baby?
With DS it seemed so much easier because we had no other kids, so we could just save up (we didnt own a house or have daycare bills or anything)
I also worked a lot more then, now I make like 1/2 as much as I was before and have double the bills.
Therefore, I've really been trying to plan out the finances, because the ONE thing I dont want to worry about when Im pregnant or the baby is here is money.
Kevin is really really really big on finances, and his main reasoning for not wanting more (than 2) kids is because he said people cant afford more kids... (I think because he grew up soooo poor he is so set on not raising kids and being poor?? idk.. its kind of annoying because i want a lot of kids, and feel everything will work out)
Anyhoo, so I REALLY need to start budgeting better. And stop my shopping.
One thing I've been doing is paying my car (we just got a new car so now i have another car payment ugh) ahead. So now its paid until march, and I'm just going to keep paying it ahead so when the baby (banking on we get pregnant sometime..eventually!) gets here I can have a long time w/o having to worry about that payment.
Also been trying to pay other bills ahead- like wsg, pud, cable.. but havent done so well on that yet, probably when I get pregnant I'll start paying them way up, at least until tax return time.. the less bills due= the less i'd HAVE to work= the less stress.
Also- Brodys in daycare MWF and its like 250$ a month. Plus he has preschool TuThur/ @ 150 a month... sooo he doesnt like his MWF and we dont realyl NEED it (Kevs on days now and I've been working at like 2pm...) so its pointless to pay that much for only 1-2 hours of care that we really need, PLUS the major thing is- he doesnt like it there and cries!! SOOO I'm obligated to pay the rest of the school quarter- so one more payment, and then they're closed in december for a month.. so Im thinking I wont send him back in JAN... His tue/thur preschool should be enough for him.. I hope???
That'dsave me like 250 a month, and he'dbe happier, and we'd have more time together... Technically that means I could even work less and still break even... so that'd be good, I'll prob try to just use the 250 I would of spent on that, towards a bill, like my car or something.
Me and Kevin arent married, but own a house and share bills, evne though we designate he pays some and I pay some (he pays most obviously) but we dont "use" eachothers money or bank accounts- so it feels like it puts more stress on me kind of.. because I have to pay my share of the bills and spend whats leftover... (I have student loans/financial aid from school) and obviously when I have teh baby I wont be getting my loans/aid anymore, so Im trying to figure all that out and how to work it.. and kevin I know would pay more bills but I dont want any money tension.. i feel money is one of the biggest stresses in a relationship..
Also- going to TRY.. very hard.. to not go so crazy shopping for this baby... gonna try to use craigslist and not "decorate" so much... maybe paint ... but not have to buy 1000x matching items (my hormones ran crazy last time IDK what I was thinking m ost of the time)
OH PLUS.. no insurnace== expensive delivery. yikes!
Sorry for rambling, just wondering what everyone else was doing to "save up" or how you were going to manage with the additional costs