Money talks..

I wish I wasen’t starting my maternity leave in overdraft. I tried so hard in the past year to get on top of things, and I did manage to stay afloat and pay down some debt, however, I still have no savings and with my last pay being half of what I expected it to be, I have to rely on my overdraft to pay the bills.

I realize this is normal the first year you buy a new house, and we will eventually get into a better spot, we already have 50k in equity in our home because of the work we have done, so someday, when we want to sell we will make a decent profit.

I just dread starting my leave on a down note money wise, especially with Dave’s layoff around the corner, we will both be on unemployment. However, if we have a baby, we don’t need a life anyways, so we just need to earn enough to eat and pay our bills, and Dave expects to be back to work within the month, so we will survive. This is my motto. I will survive.

I guess lossing a child helps put stuff in perspective. It’s just money, it’s not nearly as important as having a baby.

About mommamaynard

β€œLife is like riding a bicycle. To keep your balance you must keep moving.” β€” Albert Einstein. When it feels like your world has been shattered, and you have reached rock bottom, you must make a choice: Stay where you are and fade away, or keep moving forward. Thankfully I chose to move forward and was blessed with the two most wonderful children after the death of my first in early labor. Things are looking up.

Posted on January 5, 2010, in Uncategorized and tagged , , . Bookmark the permalink. 6 Comments.

  1. so instead of booties and pink dresses, would cash be a more helpful gift at this point??? πŸ™‚

    • Arg. I hate money. The root of all evil. I hate even talking about money with people cause I feel like crap. I got all gift cards for Christmas, which is great and appreciated…however, we have a mortage to pay, and an oil bill, and have to put gas in the car, and get groceries…the list goes on. I went from $2200 a month to 600 this month, so needless to say, it’s a hard month, eventually things will get better. Eventually.
      I guess on that note, it’s good we got gift cards, so we actually get stuff for us instead of paying bills with it.

  2. You will still want to go out when she’s here (you’d be amazed how quickly you NEED social interaction once the little one is with you, it’s like zero to 80 in ten seconds, weird. Very very weird.) But you can easily keep the costs of your trips down: ask for memberships to places (zoos, children museums, etc…) as gifts and remember that to an infant, window shopping is a major fun outing! just don’t buy anything… which is easier said than done! (Avoid BRU at ALL costs!)
    Also, taking long walks will be an awesome adventure in fun for her once it’s not freezing! LOL

  3. This is what I like to remind myself when I get down about being poor – If you ask any older person you respect or admire if they struggled with money when their kids were little, they’ll have a bunch of stories to tell you all about it. Being broke goes away, but the kids stay! πŸ™‚

  4. Oh you can say that again!! Money is just money… with a bit of effort you can cut down all extra spending (as we did with my first) and just bear it.. still not fun, but doable..

    • Exactly. We should have less expenses cause I won’t need to commute to work each day. We can use less gas in the car overall if we stay home more. I already called in and had my student loans put on interest only while I am off. Spring and summer will be a breeze without the cost of heating, winter is our priciest time of the year cause we have an oil furnace. I know we will make ends meet, it will just be tight.
      I just need to resist the temptation to buy cute baby stuff, and not spend anymore on cloth diaper, make money selling my smaller sizes to buy bigger ones ect..

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