Category Archives: Finances

I just want to buy.

Joseph and I live pretty frugal…Kinda.

I drive my very first car ever, a periwinkle 1995 plymouth neon with 200000+ miles on it. It looks similar to this picture, except this picture has a clear coat, mine doesn’t, so it looks dusty or chalky at all time. It was bought for me by my parents in 2005 for $1200.

(picture from the internet cargurus.com).

Joseph drives a 2000 mazda 626. It has around 120000 miles on it. It was bought for him by his parents in 2010.

We are using couches that a friends of Joseph’s parents were getting rid of when we were getting married. I think they’re about as old as we are.

We did buy a 45” flat screen TV in 2012 (I think for $500), but before hand we were using a hand me down CRT tv that weighed about 800 lbs.

We purchased a kitchen table when we bought this house. It is a glorious table, and we love it. It is like 96 inches with a leaf that makes it 120. So it can seat all of my family comfortably. We bought it from basset furniture on clearance for around $450. We didn’t have chairs for it for the longest time, but eventually I found a matching set of chairs we tolerate at a thrift store for $8/ piece. I think there were 12, but all of chairs for under $100. They don’t match the table(which is a darker oak, the chairs are cherry) and I hate the upholstery(I’ve tried refinishing them, they’re harder than you think because the back is all upholstered, but set in. like this, but with uglier colors.

(photo credit blockersfurniture.com)

When we got married, we bough a king size mattress and box springs from a warehouse store and paid about $600 for it.

Other than that we have all handme down, or homemade furniture. I made Joseph and I matching desks for his computer and my crafting areas for Christmas. Total it was probably $175 ish for materials. Not including the hard labor my dad and myself did.

The point is, I want to buy things. I shouldn’t. I should be content. But currently our dresser is a crappy laminate dress Joseph brought with him into our marriage. We painted it and upholstered the drawers, but it is old. We had mismatched laminate bedside tables which we also painted. So they matched but they aren’t nice.

We talked about buying Calvin a dresser and Joseph said that he doesn’t think our infant son should have a nicer dresser and bedroom suite than we do. I think it was mainly a joke, but at the same time it’s completely true.

So, I just want to buy. I want to quit being responsible, and replenishing our 6 month emergency fund(we dipped into to pay for my ER visit) even though we’re like $200 away. I want to put our upcoming medical bills on a payment plan instead of paying in full. And I want to buy furniture. I want to buy clothes for Calvin(that he won’t need for a long while.) I want to have a house that looks like it is furnished by two adults, not to 21 year old newly weds who appreciate hand me downs. I want to finish my basement before the summer. I want to buy a new(to me) family car(have we talked about this? I want a mini van. I’m an old 26Winking smile.) I want to get hardwood floors in my house. I want to repaint our master bedroom. I want I want I want.

I should be content. I should be thankful. I should be grateful. I should be preparing for the uncertainty of Calvin’s arrival. But every now and then, a girl just wants to spend.

I somewhat seriously joked to my mom, I bought a set of four onesies from Carters, along with a two pairs of pants that matched all four onesies. their size 0-3 months. I said to her that all we need are a couple sleep and plays(or body suits or footed sleepers) and we’d be good til March. And as kidding as I was, I was mostly serious. This boy doesn’t need a million little outfits.

Any who, this was whiney, and complainy, and materialistic. But I just want to buy.

Bill has been posted

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You can see that insurance hasn’t decided what they’ll pay yet. But another bill for $3000 ish they paid $640, we paid $160. But seeing that number…whew. We’re not certain if that is EVERYTHING, I kind of highly doubt that it is everything. Like that is just the hospital, I’m fully expect to get a bill from our anesthesiologist, and both Dr.W and Dr.M. Just to put it into perspective, Dr.W did our fetal heart echo, and it was the $3000 bill mentioned, so having him preform cervical surgery, I expect to be much more. What we have taken away from this, is we will likely meet our out of pocket annual MAX once this is all said and done. So hopefully Calvin, and anything else that happens will be FREE.

I have a follow-up appt with Dr.W September 11th at 9:15, and then a follow-up with my regular ob Dr.T September 12th 11:50.

An update.

I am currently ovulating…allegedly. It’s been 36 hours since we triggered. Also, I did a VLOG about my follicle scan, but realized I never did a written blog.

If you recall, we had decided to go all in this month. My RE upped my Femara to 10mg, hoping to pull up a third follicle. I was also put on metformin. I’ve been eating lower carb, drinking green tea, using cooking oils as lube. And we were going to try IUI if everything looked good.

My follie scan was Wednesday at 10am. My lining was 7.5mm(!) no cervical mucus was seen, BUT I wasn’t taking my expectorant as I should have been. I only have one mature follicle, on my left ovary, it was about a 19. My right ovary had a follicle about 13. I was super disappointed. The point of IUI is to have more eggs, and more sperm. But since we didn’t have more eggs, we decided to not do the IUI and waste the money. So we triggered Thursday morning in the 6 o’clock hour. So I’m probably ovulating, or really freaking close. If today is O day, we bd’d o-1 and o-3. We may go again tonight, we’ll have to wait and see.

In other news, Joseph and I were just discussing that we need to come up with a way to make more money. Because either way we look to expand our family(fertility treatments or adoption) cost a lot. And within three days, I have had two job opportunities.

I was contacted Wednesday I believe by a friend who currently does Foster care wanting to know if I would watch her two boys three days a week. I talked to Joseph and accepted, and am set to start Monday. Today driving home from my friend A’s house, I got a phone call from a sweet friend and there is a math opening at her school. She teaches at a good high school in the county I would like to get a job in. So I’m stuck. I went ahead an emailed the principal, and if he emails me saying he wants to set up an interview, I’ll tell my friend.

Its difficult.

Here’s my pros and cons list.

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Opinions?!

Not holding my breath.

I’m not holding my breath this cycle. We only bd’d one during my “fertile” window. And that’s ok with me. Joseph and I seriously considering not doing any more medicated cycles. We are burned out. So why pay all the money were paying if we’re too burned out to give it our all. So this may be our last cycle until 2015. We will continue to try, but no more medication, and ultrasounds, and suppositories, and shots in the belly. Just good ole’ boning when we want to. We haven’t officially decided, but I think we’re leaning heavily towards being done with meds. We’ll be able to focus on paying off our second mortgage, fostering, and saving for a new car. We have been cash flowing all of our treatments so far. It hasn’t been too difficult, but I’d be nice to get rid of that second mortgage, so we aren’t having to split our excess income. By getting rid of the second mortgage, we’ll be able to continue cash flowing treatments(even if I’m home with some children) if they treatments increase price. Ya know, adding in IUI or injectables can get pricey. We’d honestly probably need to take another year off to save for IVF, because we’d pay for that outright. But that kind lines up with my tentative schedules. Joseph and I have discussed that if by 30, we don’t have any birthed children, we’d look closer are IVF. So 2014 we’ll be 26. If still no conception on our own, we’ll medicate 2015 (we’ll be 27.) If still no baby, take a year off to save for IVF 2016 (we’ll be 28.)  That’ll put us in 2017 able to afford IVF. Hopefully by then we’ll have some kiddos adopted from foster care already too Smile a girl can hope!

Taking a month off.

If we are not successful this month, I am throwing around the idea of taking a month off. I’m not sure we will, but I kind of like the idea of taking the holidays off(because aren’t they crazy enough without clomid?!)

Pros of taking a month off

Cons of taking a month off

-Less crazy hormones during the holidays -Back to stupid long cycles
-Let the dust settle from our first monitored cycle bills -One month further from having our baby.
-Join in festive(drinking) activities -Start the new year with a new deductible(that hasn’t been reached…)

 

Opinions?!

Thirty days has SEPTEMBER…

April, June, and November. All the rest have thirty one. Except for February (because it’s weird.)

I know the rhyme. So then why was I caught of guard that today is October 1st. Meaning that our first and second mortgage were due YESTERDAY. Along with our credit card. Our first mortgage is taken out automatically. NBD except for when your checking account doesn’t have enough cover it. Over draw fee? Check! Then our 2nd mortgage was due yesterday. This one I actually have to physically go to the bank to pay. LAME. mainly because it varies every month (as we are trying pay it off asap) and setting it up to online pay is overly confusing(and we’re pretty tech savvy here.) And our credit card is actually due today, so no late fees there.

We are Dave Ramsey people. We believe in common since money management. Get out of debt, stay out of debt. So why do we have a credit card? Honestly, because Joseph didn’t have a credit score when we first tried to buy a house, which made things SUPER confusing. We even went through who Dave recommends, and I would DEFINITLY not recommend them. Now we literally only buy gas with it, because it is easier than paying with cash, and helps us keep track of how much we pay on gas. We never keep a balance month to month. Should we get rid of it? Probably. Why haven’t we, I don’t know.

Second mortgage- We got a second mortgage. Was it stupid? Absolutely. Why did we do it? Because we had like 14% down, and to take the second mortgage and pay it off would save us PMI, AND…it gave us a smaller monthly payment on our first mortgage. This was important enough to take on a second mortgage. Once we have a baby, we will be a on salary family. So a smaller mortgage payment means that it is easier to handle with one income. Naturally, we are now practically a one income family. So this is making paying off the 2nd mortgage more difficult than we intended. It has only really been affected last month. But now that school year has started, substituting will pick up, and hopefully my income will increase. Seriously, this month, I had two. Joseph and I discussed and if I could just sub 7 days a month (not that much.) it’d make a huge difference. I am still waiting to get approved for another county, but then I think I can do that, easily.

We are tying to get our act together, so that when we are blessed with this baby, we will be ready.