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Archive for March, 2010

No baby/pregnancy glow..

March 30th, 2010 at 06:32 pm

More money to savings/baby fund but none extra to debt. For the time being I'm holding off on putting any additional towards the car. Lately I've been stressing about baby. When we were planning for a kid it things all seemed to fit into place really well. Now that it's a reality in only 6.5 months I'm starting to stress a bit. I'm not sure how I'm going to coordinate with my mother as far as daycare is concerned. My parents are in debt up to their eyeballs and she can't afford to stop her part-time job. Previously we thought she could take the baby with her to her job (it's before/after child care) but there's rules that won't allow that if you are not the primary guardian of the child. So now we're a bit stuck. I'm just a bit bummed lately. I was expecting the pregnancy "glow" but there's hasn't been too much of it lately. And now I've gotta get back to work...more later.

Trying to Prioritize

March 12th, 2010 at 03:19 pm

For so long I've been in this crazy debt elimination mode, I can't handle going into savings mode for the baby. That 7,000 I talked about last post? I'm down to 4,700 since I HAD to pay of the last of T's student loans. That felt like such an achievement. I believe he had approximately 12k when he started paying them off. Unfortunately he doesn't have the degree to make it all seem worth it. He left school after a year to start working full time when he decided he hated electrical engineering. He's now going to community college part-time for his mechanical eng degree but at least we're paying for all that with cash.

ANYWAY, it was a big weight off my shoulders once the last of his loans were gone. If only I hadn't gotten into that car accident a couple months ago, we wouldn't have this car debt hanging over my head. I want so badly to pay this off as well, but I know I should keep with the savings for my 6 month baby vacation Smile. I'm thinking I'll do a compromise (with myself.. haha, I'm weird.) and put 5k towards the car, leaving the balance at around 3k and then use all the other money for my 6 month leave. We should have enough to reasonably and comfortably do this. Then once my 6 months are up, I think they'll only be a 1500 balance and I should be able to pay that off within a month or two. We could ALMOST ALMOST ALMOST pay off the car and have enough for my leave, but we'd be living insanely cheap and that wouldn't be accounting for much emergency money. It's soo tempting, but the thought of having to use a credit card in the case of emergency is enough to not make me want to do it. Oh well.

As far as baby news: Just had my 8 wk ultrasound and saw the fuzzy lookin' lima bean!! And got to hear a heartbeat!! So cool!!!