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January 08, 2007


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Thank God hope is free. That makes us millionares. 'Cause otherwise, we are dirt poor.

It's amazing how easy it is to fritter away money on unplanned expenses, isn't it? Anyhow, you two are young, and I commend you for waiting until you're completely in the financial place you need to be before house-hunting and getting knocked up. And, while you haven't made as much progress as you may have wanted to, you haven't taken any steps backwards, which is huge. Just keep on keepin' on, and you kids will get there eventually.

I've got a notepad on my desk right now, filled with MLS listings that I've jotted down. Needless to say, we've also been doing a lot of number crunching and picket fence dreaming. (And we also have plenty of take-out dinner financial remorse...)

Pulling for you and that cool job!

I don't even want to think about how much money I pissed away on Starbucks, earrings, and movie rentals this year. We all do it!

It sounds to me like you guys are being really responsible financially. I, too, dream of being able to stay home with my kids, working freelance from home (and maybe part-time away from home).

Keeping my fingers crossed for you and that cool job!

We don't always get exactly what we want, but it does help to remember all we have.

I'm feelin' this post. :)

Oh how I feel your pain. Ohhhhh how I feel your pain...

Just move up here. We'll split a duplex.

I go back and forth every single day with the choices I have made. Sometimes I beat myself up and think one way, other times I am thankful and think another way.
I think you and Luke are being very smart. I think the whole "you will never be financially ready for children" saying has some truth to it but it doesn't hurt to try your best to be ready does it?
I hope things easily fall in line for you in 2007. That way I can read a "We are finally READY" post from you.

I'm headed into Financial Nightmare 2007 as of Friday! Whoo hoooo! We'll see if Dave and I survive through Budget Hell!

And hey, if you need tips? I just posted about this on Friday and got GOBS of advice. Good advice, too!

What a great post! I completely share your agony when it comes to money. I feel like every time my savings account starts to look halfway decent, my car decides to be disagreeable and I end up forking over at least $500-$1,000. We have a house, which is nice, but Edgar's family helped us out a lot to get it. I think about how the next house we live in I want to be so much nicer than the one we have now. How the hell can I do that if we barely save a dime? Edgar has some credit card debt, plus student loan s that he will be paying off f-o-r-e-v-e-r. I just don't know how some people do it. We are trying though, and like you said, we have hope. AND LOVE!

Oh yeah, and I am so with you on the even number thing. I hope Edgar proposes in 2007 so we can actually get married in 2008...perhaps. :-) I hate that I was born on 10/16/81 because the 81 ruins it. I think about weird things like that too. It's part of the OCD.

Good Job in thinking through everything. You have the whole range of possibilites covered. Living on one wage in a great idea. If you can do that a large percentage of the time even better. Truth about money is that it is kinda like work. Work time can and will fill up any time you give to it. Any amount of money can be spent with very little effort. Keeping positive is the main thing to do.

Le sigh. I feel for you, ms. frema. I also want a house, so badly. We need it, we need our own space. I'm kind of glad that I already know I'll be working at least part time when we have kids, because I think that the disappointment in the fact that I couldn't (if I wanted to, which I don't, but you know) would be very hard to take.

Opportunities could be right around the corner. And I think it's okay to want, as well. Makes us stronger, and all. bleh.

My husband and I are/were in the same type of situation the past few years. We already had the house (we jumped on that about 3 yrs ago when we were both planning on working for a while and he got a nice fat raise at work!) but still had 2 car payments, 2 student loans, PLUS grad school tuition (which wasn't even the full amount because of his work helping and I worked at the University- HUZZAH! DISCOUNT!) But yeah. We *could* have done the kid thing... but only if I worked. And with him in school, forget it. We were making decent money and were able to buy things we wanted without going into credit card debt (MY BIGGEST FEAR.) but my paychecks wouldn't cover day care AND leave much to bring home.. so it just didn't make sense.

That's pretty much why I decided to try my hand at freelance web design in my 'spare' time. I wasn't sure how it would go, but I knew that if I didn't give it a shot, I'd always wonder. And if it didn't work out, at least I tried! Then we'd revisit things and see if we had any other great ideas. THANKFULLY, God is good! And these past 2 years, I've been blessed with much success with my little business (not without a lot of work and tears and stress, of course! hehe) but I've loved every minute of it. And now it's giving me the opportunity to stay at home with our daughter (due in 3 months!) and I get to do what I love in my pajamas. You freakin' kidding me? WOOHOO!

So I guess this is my little cheerleading post for you :) By all means, pursue the teaching thing- even if this particular one falls through, maybe there are others out there? And I remember you mentioning freelance writing as well... that's something you can give a try without investing all that much cash up front (you've already got a great blog here for your portfolio!) I'm of the belief that nothing is ever handed to us and we have to make our own success. So go for it :) :) We'll all be here, cheering you on!

(wow that last paragraph sounded REEEEAAALLLY cheesy, but you know what I was trying to say, heh)

My husband & I will be married 5 years in March & still no kidlets (was 30 this year, so there went my mental plans to have at least one while I was still 20's). We do have a fabulous 3000+ sf house in the 'burbs; 2 suvs, cause we live in the hilly 'burbs; and a small vacation condo at a ski resort. Can I be a SAHM and keep the vacation condo? Probably not unless we rent it during the time we would want to use it ourselves. Can we live on my husbands salary alone without killing our savings? Not without selling the condo or renting it as per above. Regardless, we are going to start trying this year...my biological clock has started ticking louder, trumping financial issues.

You're doing good kiddo. Financial planning is like weight-loss, sometimes you slip off the plan. Figuring out where you went wrong and then moving on with the original (modified) plan is much better then throwing it out the window altogether. You will get there.

Sorry for the book. I believe I am delurking with this post. Also wanted to say "I heart Tragic Love Fridays".

What a great post. I agree with the other comments that the fact that you guys are thinking ahead is so smart.

Things will work out. They always do.

And understanding that you ARE blessed is so great. I forget that myself often, but then I see my sweet baby or look at my hard-working husband and am reminded that I AM blessed. And I am thankful for my blessings. I didn't get them for being a good person. I got them from having Faith. (Or at least that's my belief.)

Happy BIRHTDAY and Happy Delurking Week.


Happy Delurking Week!!!

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  • "The Lord is my helper,
    I will not be afraid.
    What can anyone do to me?"
    - Hebrews 13:6

    "The best way out is always through."
    - Robert Frost

    "Breathe, pray, be kind, stop grabbing."
    - Anne Lamott

    "Mere completion is a rather honorable achievement in its own right."
    - Liz Gilbert

    "When we tell our stories,
    we change the world."
    - Brené Brown