::coming out from hiding::

crzyspirit

Hello lovelies!

I've been MIA from the boards for quite some time now, but I'm coming out from hiding.  I need to get something off my chest, just to kind of talk through it with people who will give me honest feedback.  Ready? 

DH wants to have a baby.  BAD.  And I do too!  But I am way more concerned with our finances than he is, and it freaks me out.  I know that people say that you should never try to plan for the "right" time to have a baby but I can't not think that way!  I also realize that there are people out there who have babies and they're in way worse situations than we are, and things work out.  I know that things seem to always work out, so I think we'd be fine.  But all I think about is money.

Does (or did) anyone else feel like this?  Can anyone offer some insight?  I'm so torn on the whole thing because I really do want to start a family!

I hope everyone has a fabulous weekend!  Miss you girls!

LMJacobs23

We felt like this too! We had decided in Feb that we were ready to discuss the option of trying for a baby. As SOON as we had the conversation (mid Feb) I started saving every penny I could. At the time I didn't have health insurance so I was extremely worried about saving up enough to pay for the delivery AND have extra in the bank for a "security blanket." So basically we decided we would start trying only after I had enough money in the bank that would cover said delivery & have a few thousand extra in case of emergency.

In the mean time I didn't want to wait until that happened to get off BC, since i knew it would take a while to get out of my system & for my body to regulate itself. I stopped taking BC at the end of March and in July I had the amount saved that made us comfortable, so we started trying.

Last month I was offered a new position at work so I'll have benefits now- which will save us (literally) thousands. So now we have that little "security blanket" just for emergencies! And of course, now we're pg so we're just going to continue saving through the pregnancy...as much as we can.

Everyone does say "there's never a good time" but YOU & DH are the ones who have to live your lives, so you need to be comfortable with the amount you have saved.

The only thing I can suggest is to do what we did, sit down & figure out a number together that you'd be comfortable with. Whether it's 4 months of your income or just a random number....that way you won't be stressing about the money and can be focused on having that LO!!!

Good Luck! i hope it works out for you!!!

ludyjanboltz

Hey Lindsay! Welcome back! 

I think you hit the nail on the head when you said there never is a right time to have a baby but that things always seem to work out.  I totally agree with these  statements.  In many ways the time wasn't right for us, but we went for it anyways and so far (knock on wood) everything has worked out just fine.

That being said, if there are certain things that you think you need first (savings account balance for instance), then I would work on that until you get to something you're at least a little comfortable with.

natalie115

I could have written this same post so I really don't have any advice since we're still trying to figure out what to do. But, I just wanted to tell you that you're not alone!