(Closed) i HATE having to make responsible decisions…

posted 8 years ago in Babies
Post # 3
Member
3363 posts
Sugar bee
  • Wedding: September 2009

I hear you.  Good for you for not letting “baby fever” cloud your judgment.  You are making a responsible choice.  I am 31 and TTC now, but I think at our age, we have plenty of time!

Post # 5
Member
14185 posts
Honey Beekeeper
  • Wedding: June 2009

Kudos for making a responsible decision! It really sucks, but you have to be able to put a roof over your head and actually feed your family, and you’re right, in the big scheme of things, a few more months is not bad. And debt is never a good thing hanging over your head, so yay for knocking that off the list!

Post # 6
Member
4001 posts
Honey bee
  • Wedding: June 2010

You’re smart to think logically instead of emotionally!  There shouldn’t be any rush, its so much better to raise a child when the other aspects of your life are stable.  You’ll be so happy you paid off your debt before you decided to have a child.  We’re in the same exact boat (minus the mortgage so you’re doing much better than us so far!), it totally blows but its well worth it in the end!

Post # 7
Member
110 posts
Blushing bee
  • Wedding: December 2012

I wish more people think like you guys! Children DO suffer when adults struggle for money. Less quilified people are watching your children and they usually are watching more kids than they should. Education suffers. ETC..ETC…and the biggest one is that parents argue because of financial strain.

So Kudos to you and your husband. Doing the right thing is always the hardest. But, the rewards are endless!

Post # 9
Member
948 posts
Busy bee
  • Wedding: May 2018 - Coyaba Resort, Montego Bay

You are making a very responsible choice to get your debt paid off!  Good for you πŸ™‚  You will not regret it – as you will be financially stable once it is paid off & you and your family can live comfortably & stress free!

Post # 10
Member
1813 posts
Buzzing bee

a baby is a great motivator to do the “financial shape up”  Once you get your debt paid off, you can keep putting that same amount into savings for all the baby costs, and you will be in great shape!

Is there anything you can cut out of your curent expenses, even temporarily?  For example, my hubby and I decided to do netflix instead of cable.  It is WAY cheaper, even if you just do that for a few months…and we have the cheapest home calling plan that’s like $10 a month (you can only make 20 outgoing local calls, but we are at work most of the time anyway, and can use unlimited night/weekend cell minutes otherwise…)

Our goal was to pay off my student loans before the baby was born, but we’ve given up on that, bc the interest is SO low, and I got pregnant the first month of trying!  Instead, we are doing some needed remodels BEFORE baby comes and building up a NICE nest egg…it’s amazing how fast it is growing, but it’s also amazing how much $ we spend on “baby stuff” (even w/ getting some used and hand-me-down).

Post # 11
Member
690 posts
Busy bee
  • Wedding: May 2011

Good for you. We are waiting also. After the wedding next spring we are looking to relocate to another city and buy a house. The taxes and housing prices are more reasonable there and we will be in great financial shape if we do this. Then we want to wait another year until we get settled into our new city. It’s hard to wait, but I know it will be worth it in the long run. Especially when I see my friend who had a couple kids without planning and how much financial difficulty they are in- just because they decided to “see what happens.”

Post # 12
Member
7082 posts
Busy Beekeeper
  • Wedding: July 2009

What a responsible future parent you are being! I totally agree about having a baby being a huge financial motivator.  I bet you can shape up your finances in a way that allows you to have a baby in your life sooner than you think!

Best of luck πŸ™‚

Post # 13
Member
638 posts
Busy bee
  • Wedding: April 2007

That motivator will be great πŸ™‚  Whether it’s a baby or something else it always comes in handy for us.  Hubby will mention something he ‘wants’ and I’ll shoot back with “Colorado” (regarding a vacation we are saving for) or something similar which pretty much says we’ve set our priorities and all our decisions need to revolved around that.  What’s more important – going to a concert – or going to Colorado πŸ™‚

You will have a much more peaceful and enjoyable pregnancy if you aren’t stressing about debt/money. 

Now I also agree that ‘waiting til you’re ready’ could be a line that would lead you to NEVER being ready.  And ‘ready’ looks different for each couple. But it sounds like you have good solid goals to achieve – and you are pushing hard to meet those.  Which is smart smart smart.  Your baby is already so blessed!

 

Post # 13
Member
5399 posts
Bee Keeper
  • Wedding: November 1999

Kudos to you for being so responsible!  If only more parents were as thoughtful as you were being!  Like you, I have baby fever now, but we are trying to be responsible and we want to still get a few things accomplished before we bring a baby into our lives.  It’s hard, but it will be worth it in the end and you’ll be able to have a less stressful pregnancy!

Post # 14
Member
512 posts
Busy bee
  • Wedding: September 2010

It was nice to read this, because we have had the same discussion.  FH is in EMT school now and won’t be done for about a year and a half, and then he’ll need to get an EMT job before we can even think about having kids.  We came to this realization the other night.  I am chomping at the bit to have kids because I don’t want to have trouble TTC.

Post # 15
Member
5496 posts
Bee Keeper
  • Wedding: April 2010

We’re going thru the same thing! I went off the pill a month ago right after our honeymoon, as we wanted to ttc right away. But then we decided (just like you) that we want to pay down credit cards and save more first. We’re not actively trying or not trying, so I could get pregnant anytime, but we decided to NOT try during ovulation too much either. Guess we’ll see what happens.

Smart decision you two made! πŸ™‚

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