Jill is pregnant, as anybody who actually reads this should know by now. If not, I have an announcement: Jill is pregnant. 14 weeks pregnant in fact. That’s over 3 months, for those bad at math.
And suddenly, I understand why people say you won’t have any money until the kids move out…
First it’s our air conditioner that lets out (Jill was pregnant at this time, but we didn’t know it yet). In order to get anything over a SEER13 replacement unit, it would have been $8,000+ because the furnace would also need to be replaced. So we got a SEER13 somehow. I’m thankful for the circumstance that allowed us to even replace it in the first place, but that was the first brick piling up on my back.
Then, Jill’s appetite got funny. Because she’s pregnant. That’s what happens. Our food budget, which I have thought of as a reasonable number, was no longer working. Jill couldn’t eat just anything at one point (and really, that still applies), and so we’d have to go out and get whatever she could keep down. That’s mildly unbudgetable. The second brick.
Our utilities bills got increased due to annual rate adjustments. Yet another brick.
Jill’s car has tires that I don’t trust to last much longer. I could go with something we could afford now, but I want to get her at least middle of the line tires that I feel comfortable with. There’s a big brick.
A check that we sent out about a month ago was just cashed today. I thought it got cashed three weeks ago. That was a shock to see where our checking was today. Had to make an emergency transfer so one of our bills would clear next Monday (living on a monthly paycheck can get a little bit close sometimes…but we still are in our budget somehow…). B B B BRICK
Our aggressive “PAY OFF THE CAR SUPER FAST” plan…too aggressive. I feel so utterly stupid for making us so housebroke by going that route. It feels like we have no money to do hardly anything. Why did I ever think to attack that debt THAT hard? Now Jill sometimes worries that we don’t have money to fall back on. It feels like that, “feels” being the operative word. That feeling isn’t the biggest brick on my back. Jill worrying is.
And DIAPERS! SO MANY DIAPERS! Did you know that in the first year of a child’s life you will go through roughly 3000 diapers? I DID NOT! That’s a lot of diapers. How are we going to pay for all those diapers? Diaper Genie refills are expensive at that! Plus clothes! And new intrinsically safe outlets so our infant who will not even be able to crawl would not be at risk of a freak seismic event throwing his or her little fingers in to the outlets and electrocuting our newborn. And we need a new window in that room so bugs don’t find their way through the little crack that’s forming at the top. Oh man my head hurts. A brick for my back and a beer for my head please.
Oh yeah. Battlefield 3, the follow-up to one of my favorite FPS games of all time (not that there are many choices, but…) comes out right after I get paid. Our entertainment budget covers that, and it would be my half of the entertainment budget. Jill’s half would likely go to HIMYM and Big Bang Theory on DVDs. But, should we even have an entertainment budget? Are we responsible enough to? My head is swimming. Hit it with a brick.
Now I’m facing dilemmas in my own head. Do we need to let go of our WorldVision sponsorships? How could I? I have so much and these are human lives! I’m helping real people! Is it ok to skip out on a tithe? I could really use that 10% staying in my savings… but I gotta trust God sees what is up (and down) with our accounts. He has delivered before when we gave unselfishly, and though it will be hard to write that check in a few weeks in any manner that appears “cheerful” I still will. Why not change utilities and telcom services? If only we weren’t so addicted to hockey and gadgets… (how’s that for a mature unselfish view? Grumble grumble)
This is all temporary I’m sure. It’s been an extraordinarily different three months than I had expected. Money woes aren’t killing us (despite the tone of this entire post…) but they are relatively new to us as a couple. I have been blessed with an amazing job with an amazing employer with a salary I cannot argue with (wellllll….I did just take on THREE new responsibilities with values that tally FAR BEYOND what I ever thought I’d handle). Jill’s had some trouble finding a job here, and the pregnancy does not help her capacity to work a full time shift.
Been following Dave Ramsey’s Baby Steps. But at this point I feel we need to reverse two of the steps. Instead of full on Debt Snowball, we need to be putting money in to savings. Our debt is manageable, as it is just the Honda at this point. Once we rebuild our emergency fund and our Baby/Maternity Clothes/Pregnancy Cravings/Holy Crap We Are Gonna Need A Ton Of Diapers fund to a comfortable point for the kind of expenses we’ve seen the last three months, we will attack the car payment full on.
Payday is next Tuesday. I’ll be much more optimistic and magnanimous when it rolls around. But for now, I really am worried more than I have been about money since we got married.
Thank you for indulging me in this mildly cathartic writing session. I feel much better.