So depressed (Kinda TTCALR) T&Ps requested

buckeyebaby814 · July 2011

So DH and I are not financially 'insecure' but we're working on paying off bills. We're able to pay off one credit card right now (yea!) but have two others that will take a couple months. Then I was planning on deferring my student loans until November (that's when DH's last loan will be paid off, as well as the last two CCs) but when I called the company today, they declined my deferment.

If we could only make it until November, we would be able to be COMPLETELY, financially secure. Now, I'm applying for a 2nd job (I'm a teacher- so if you understand, teaching is more than a full-time job during the school year.)

Now that I don't know when our debt will be paid off, I don't even know if TTC is a smart choice. I suspect I *could* have a LPD (all my LPs are about 9 days) and I know if I am officially diagnosed with LPD, everything will be coded as IF, which my insurance does NOT cover.

Sorry there's no point to my rant/ vent. I am just so upset right now and my husband keeps saying, 'we can pay our bills, so it's not a big deal.' But it IS a big deal to me. I don't want to live JUST paying our bills.

Anyone else in the same situation? I could use some T&Ps that we find a good solution to getting through this (either me getting a 2nd job or DH getting a better paying job.)

Thank you for reading!

stillbaking · July 2011

I'm sorry you're feeling financially stressed right now. I hope that you find a solution soon.

Missa_g · July 2011

*hug*Money issues suck. I'm sorry you're dealing with all of that. My husband and I decided to TTC no matter what. We WILL find a way to make the finances work when/if we're pregnant, and get our take home baby. We decided if you wait to be financially secure to have a baby most people probably never would. But it's definitely a very personal choice.

bellablue2 · July 2011

Missa_g:
*hug*Money issues suck. I'm sorry you're dealing with all of that. My husband and I decided to TTC no matter what. We WILL find a way to make the finances work when/if we're pregnant, and get our take home baby. We decided if you wait to be financially secure to have a baby most people probably never would. But it's definitely a very personal choice.

This! I am sorry your stressed! I can totally relate. I am a SAHM and we do have to budget. But, I agree that you guys can do it! You seem to be financially responsible and maybe you would be able to get some of those bills paid off before baby came.

sweepie412 · July 2011

I'm sorry sweetie. I agree with Missa, when you get your BFP you will find a way to make the finances work. Living to pay off bill is no fun, but it sounds like you guys are so close! I hope that you find a solution soon. T&P to you and DH.

buckeyebaby814 · July 2011

Thank you for the feedback ladies. I agree, if we waited until ALL debt was paid off I'd be in menopause. I will do anything to make it work (financially) I have just never felt so financially overwhelmed! I feel bad, but even if I only work for a few months @ a part time job then quit, I think I will feel better.

I guess my biggest concern is just being diagnosed with an LPD. I go to my new OBGYN Wednesday (who supports charting- so I assume she will recognize my short LPs, unlike my previous doctor- if would would love to hear a horror story, visit my blog, in my siggy.) If I am diagnosed with an LPD, treatment will be OOP which can get expensive... I guess that's what I am MOST worried about.

Uggg.... I need to just stay relaxed until I meet with my new doctor!

pb127 · July 2011

Hugs!! Right Hug Sending you lots of T&Ps that you find the best solution for you.

If you're willing, you could also post on Money Matters on thenest. Those girls are great at helping people find extra money in their monthly budgets.

Best of luck with this tough situation! We're rooting for you!

corndog8 · July 2011

sweepie412:
I'm sorry sweetie. I agree with Missa, when you get your BFP you will find a way to make the finances work. Living to pay off bill is no fun, but it sounds like you guys are so close! I hope that you find a solution soon. T&P to you and DH.

I agree too. T&Ps.

delino · July 2011

I'm sorry you are having to deal with the nasty debt stuff. I have been looking over our finances to see what my options are for paying off debt. If I can get rid of some payments, than daycare won't be too bad. I too worry about how we will make it all work when we have a baby, but I thought the same about buying a house and we have made it two years without making a single late payment. Some how, some way, it will work out.

CashewsMommy · July 2011

{{{{hugs}}}}

About the TTC part... if everyone waited until they were financially secure then nobody wold have babies. DH and I are not where we want to be, not even close. But we're comfortable.

I thought about picking up some sort of 2nd part time job for the summer. I know someone who owns a business, so i'm kind of thinking about asking him if i can make my own hours. I'd love just 10 hours a week... because that would still be $200 a month that I can send straight to our credit cards.

VikingQueen · July 2011

((big big hugs))

Carolee · July 2011

T&P to you as you look for a solution.

somedaysoon2003 · July 2011

I'm sorry you're having to deal with all this. I can tell you that I am definitely not debt free and have just accepted it. I would take your age and how many kids you want to have into consideration before deciding to hold off on TTC.

LaraGaudess · July 2011

It seems like it's insurmountable but it will get better. It sucks that you can't defer your loan right now, but from the sounds of it, it seems that the financial discomfort will only last until November (unless I misread that). Even if you had to wait another 3-6 months past November to be debt free, that is still really great! Many people have so much debt that it's impossible to see an end, where as you and your DH have a solid time line with the finish clearly in your sights.

Don't hold off on TTC. Like you and others have said, there is never a good financial time to ttc.

I hope you start to de stress soon.

buckeyebaby814 · July 2011

LaraGaudess:
It seems like it's insurmountable but it will get better. It sucks that you can't defer your loan right now, but from the sounds of it, it seems that the financial discomfort will only last until November (unless I misread that). Even if you had to wait another 3-6 months past November to be debt free, that is still really great! Many people have so much debt that it's impossible to see an end, where as you and your DH have a solid time line with the finish clearly in your sights.
Don't hold off on TTC. Like you and others have said, there is never a good financial time to ttc.
I hope you start to de stress soon.

Thank you- I actually already feel a little better today. I think yesterday was just overwhelming because I paid the bills, my husband's pay was one day short (he was sick) then the student loan thing.... I think I might have freaked-out a little too much Smile It's still frustrating, and I still plan to get a second job (DH works until 7:30-8pm most nights anyways- as well as Saturdays- so I won't be missing him!)

ktsnshn · July 2011

Good luck to you. I waitressed three shifts a week during my first five years of teaching. It was stressful, but worth it to not have money troubles. I am glad you are feeling less stressed today. I also agree with the previous posters and would not delay TTC. Hugs.

LaraGaudess · July 2011

buckeyebaby814:
LaraGaudess:
It seems like it's insurmountable but it will get better. It sucks that you can't defer your loan right now, but from the sounds of it, it seems that the financial discomfort will only last until November (unless I misread that). Even if you had to wait another 3-6 months past November to be debt free, that is still really great! Many people have so much debt that it's impossible to see an end, where as you and your DH have a solid time line with the finish clearly in your sights.
Don't hold off on TTC. Like you and others have said, there is never a good financial time to ttc.
I hope you start to de stress soon.
Thank you- I actually already feel a little better today. I think yesterday was just overwhelming because I paid the bills, my husband's pay was one day short (he was sick) then the student loan thing.... I think I might have freaked-out a little too much It's still frustrating, and I still plan to get a second job (DH works until 7:30-8pm most nights anyways- as well as Saturdays- so I won't be missing him!)

I get where your coming from, money and budget stuff is always stressful, and this stupid economy isn't helping anyone sleep that much easier. And as far as the 'freaking out' thing, I think that's a good thing. You are being prudent about your financial situation and are looking to make good money choices. Many people choose to bury their heads in the sand when it comes to debt. Good for you for taking the bull by the horns!

The second job is a great idea if it will help you be debt free that much sooner. I have to bow down to that. You being a teacher must feel like having 2 jobs some days. I know it feel like that to me sometimes!

bellablue2 · July 2011

buckeyebaby814:
LaraGaudess:

It seems like it's insurmountable but it will get better. It sucks that you can't defer your loan right now, but from the sounds of it, it seems that the financial discomfort will only last until November (unless I misread that). Even if you had to wait another 3-6 months past November to be debt free, that is still really great! Many people have so much debt that it's impossible to see an end, where as you and your DH have a solid time line with the finish clearly in your sights.

Don't hold off on TTC. Like you and others have said, there is never a good financial time to ttc.

I hope you start to de stress soon.

Thank you- I actually already feel a little better today. I think yesterday was just overwhelming because I paid the bills, my husband's pay was one day short (he was sick) then the student loan thing.... I think I might have freaked-out a little too much It's still frustrating, and I still plan to get a second job (DH works until 7:30-8pm most nights anyways- as well as Saturdays- so I won't be missing him!)

You could look into a learning center for the evenings and weekends. My husband is a teacher and he works at sylvan maybe 10 hours a week just to give us a little extra cash.

buckeyebaby814 · July 2011

bellablue2:
buckeyebaby814:
LaraGaudess:

It seems like it's insurmountable but it will get better. It sucks that you can't defer your loan right now, but from the sounds of it, it seems that the financial discomfort will only last until November (unless I misread that). Even if you had to wait another 3-6 months past November to be debt free, that is still really great! Many people have so much debt that it's impossible to see an end, where as you and your DH have a solid time line with the finish clearly in your sights.

Don't hold off on TTC. Like you and others have said, there is never a good financial time to ttc.

I hope you start to de stress soon.

Thank you- I actually already feel a little better today. I think yesterday was just overwhelming because I paid the bills, my husband's pay was one day short (he was sick) then the student loan thing.... I think I might have freaked-out a little too much It's still frustrating, and I still plan to get a second job (DH works until 7:30-8pm most nights anyways- as well as Saturdays- so I won't be missing him!)

You could look into a learning center for the evenings and weekends. My husband is a teacher and he works at sylvan maybe 10 hours a week just to give us a little extra cash.

LOL- that's actually where I am applying Smile There are 3 centers within 25 miles of my house and two of them are hiring! Thank you for the suggestion though!

BarooGirl · July 2011

Hey Buckeye. Glad you are feeling better about things.

saramichelle32 · July 2011

We have a lot of debt too. It can feel very overwhelming. We considered waiting on ttc but figured we'll always have debt. We can tighten up in some places and try to get rid of some things (ex. we don't have cable). It can be scary to think about this sort of stuff. DH had to take over the checkbook because it stressed me out so bad. T&P to you. (((HUGS)))

Stella's Mom · July 2011

Hey. Glad you are feeling better ... I get very overwhelmed by our finances all the time. I'm a planner and I hate when I don't feel like I'm in control. I am the queen of Excel budget grids if you ever need one. Big Smile

Want a personalized experience?

So depressed (Kinda TTCALR) T&Ps requested

Re: So depressed (Kinda TTCALR) T&amp;Ps requested

BFP #4 ~EDD 6/20/14 stick baby stick!

Choose Another Board

Search Boards

Want a personalized experience?

So depressed (Kinda TTCALR) T&amp;Ps requested

Re: So depressed (Kinda TTCALR) T&amp;amp;Ps requested

BFP #4 ~EDD 6/20/14 stick baby stick!

Choose Another Board

Search Boards

So depressed (Kinda TTCALR) T&Ps requested

Re: So depressed (Kinda TTCALR) T&Ps requested