Hi ladies!
We have 2 LOs (7 years and 7 months), and DH and I are having many discussions about TTC #3. Money is a big issue, and I'm curious-what financial issues are you discussing/worrying about/resolving? Long-term disability insurance? Short-term disability insurance? Buying a house instead of renting? Having a certain amount in savings? Paying off debt? Anything else?
Thanks!
Re: Financial Considerations?
But other people have different standards and it works for them.
We are very lucky not to have much debt (just DH's car and our house). Our big goals before TTC were finishing our remodeling projects on the house and building up our savings as much as we could, although I never had a specific goal in mind.
Now that we are dealing with IF, saving money has been an even bigger goal (we are OOP for testing and treatment). I have a number in mind for our savings account, which we will hopefully hit in the next few months after receiving our tax return and my bonus.
TTC #1 since August 2011
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September 2012: Start IF testing
DH (32): SA is ok, slightly low morph, normal SCSA Me (32): Slightly low progesterone, hostile CM, carrier for CF, Moderately high NKC, High TNFa, heterozyogous mutated Factor XIII, and +APA
October 2012-May 2014: 4 failed IUIs, 3 failed IVFs, and 1 failed FETw/donor embryos
November 2014: IVF w/ICSI #4 Agonist/Antagonist with EPP and Prednisone, Baby Aspirin, Lovenox, and IVIG for immune issues. Converted to freeze all due to lining issues. 2 blasts frozen on day 6!
January 2015: FET #2 Cancelled due to lining issues
April 2015: FET #2.1
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Before DS, we got our savings built up but after a 12,000 bill from the hospital after insurance for the birth, that was wiped out. We just started Financial Peace University and are working on our emergency fund again.
This time we also would like all our small debt paid off. We won't pay off the house, car or student loans before then which is why I say small debt.
My husband and I always knew we didn't want to have a child in our current apartment. It's small and apartment living is close quarters, so our first goal was to buy a home to be able to bring our LO home to. After posting a similar question to these ladies, many suggested looking at child care costs and making sure we would have money in the budget for that. Also having a cushion for unexpected expenses that come with a house and life!
We have worked for the past few years to pay off my car and all our credit cards. The only debt we have is student loans (ouch) and soon to be mortgage. I want to be as financially stable as possible when we even begin to TTC.
Best of luck to you!
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