Thursday!

[bk1]

I just bought another pair of LLR leggings... I have to stop spending money. I'm blaming the margarita I had at lunch and me wanting to reward myself for getting through the first night of sleep training. 


What fun things have you done lately?

[katespade]

Our budget is out the window this month. We've done so well for the past couple of months, but my trip has just destroyed any hopes we had of keeping our spending anywhere near what we planned.

[luv2rn4fun]

We are on a super tight budget right now. We are accounting for C's cost of preschool in the fall and it's literally killing us.

Related...DH's benefit and offer package came yesterday. Everything is so much more money, especially medical (like 2-3x depending on the category). He is not one to go to the doctor (although he should for his crappy sex drive and mental health issues) but the kids and I do go. He is already panicking about how much more this is going to be and if we can afford it...and also trying to find ways around things like the vasectomy he needs and my thyroid meds I will be on forever. oh, and if L (or any of us) ever end up in the hospital it is 4x our current cost.

[bk1]

Huge hugs luv2rn4fun . That sounds so incredibly stressful. 




Sorry for the long rant. Both girls have been napping for an hour so I've had too much time to sit and think I guess.

[awick14]

luv2rn4fun- can he negotiate a higher salary to off set the medical stuff?

katespade- hopefully once this trip is over you can get back on track.

[awick14]

bk1- can you do couples counseling to talk about this stuff. Having someone else there may help you get what you want to say out easier.

[bk1]

Mar 23, 2017 15:22:22 GMT -5 awick14 said:

bk1 - can you do couples counseling to talk about this stuff. Having someone else there may help you get what you want to say out easier.

DH said he wanted to but we have done nothing to actually look into finding a counselor. It would probably do us good. I have a hard time opening up to people - I'm fabulous at building walls and saying "I'm fine". I feel like a lot of issues I didn't realize I had have come to light lately. And a lot of feelings I have about our relationship have as well. It's hard when you have been with someone for so long and changed so much in that time. We've been together since I was 17 and he is the only person I've been in a real relationship with.  

[katespade]

((((bk1))))) I'm so sorry that you're struggling. That all sounds so stressful. I also hope you know that none of us would ever flame you for any situation.

[estrellita]

*hugs* bk1, I really think counseling would be good. We went due to money issues (stemming from other issues) and it did help us talk things out with a neutral party. Sometimes that's all you really need!

[bk1]

Mar 23, 2017 15:30:10 GMT -5 katespade said:

((((bk1 ))))) I'm so sorry that you're struggling. That all sounds so stressful. I also hope you know that none of us would ever flame you for any situation.

(heart) (heart) (heart) (heart)

[luv2rn4fun]

((Hugs)) bk1. That sounds very stressful. You guys need to be able to talk this out and figure out a plan. If he's willing to, I would totally do counseling. I wish my DH would for our issues. It can be very helpful and at least allow a safe place to talk about these things.

awick14- he got a sign on bonus but it only accounts for the higher premium and only covers the first year. The major problem will be whenever we need to use the insurance, which we have a lot with L and I need to do some stuff now that I am not pregnant (see an endocrinologist for my thyroid,probably ultrasound since it hasn't been done in at least 6 years, regular physical, etc). I also have 3 crowns for dental and that is going to cost a ton...Another stress for DH, which I get but it's not my "fault" and it's pet of life.

[bk1]

luv2rn4fun estrellita awick14


Thankfully DH and I talk a TON. And about real issues. It's one of the things we are best at. I do agree it could be more productive in a different setting having someone help guide us. 

[melsamoony]

bk1 ((hugs)) luv2rn4fun insurance sucks so much.

I ordered pizza because I can finally eat real food! DH took DS downstairs to play so I have some nice downtime now and am relaxing. It is so nice.

H and I are going counter shopping this weekend....I am excited!

[amaranth]

*hugs* bk1 I think your ability to acknowledge needed areas of change is huge and shows things will be fine if you know how to save, you'll be able to get there again! I hope things turn around super soon, but there is nothing flameworthy about being in a rough patch in life. It happens to everyone.

luv2rn4fun I feel you on preschool. M's school for part time is over 3k. I bet it's even more in your HCOL. That said, most people pay that much per year in daycare so while for you and I it seems like a lot all of a sudden, it's fairly comparable to others I believe. Maybe even a bargain! Haha. We set aside part of our tax refund for his school so we won't need to touch our budget.

[rockinrobyn]

Lots of hugs bk1!

melsamoony enjoy your pizza, that sounds so yummy!

I am supposed to be getting things don before the Purdue game tonight, but I have no motivation to get off the couch. Is am too warm and comfy and L is playing so well on his own I don't want to jinx it.

[HoneySpider]

((bk1))

[luv2rn4fun]

amaranth- $3,132 for 2 days, 3 hours each day. Crazy but worth it! I think it hits you and I harder because 1) we aren't used to it but also 2) we are only one income (most families utilizing daycare have two incomes). C's preschool tuition is pretty much our monthly food budget. My husband takes everything out of the budget...tax refunds, bonuses, etc...they usually go towards extra mortgage, a car, savings, or a huge house project.

[katespade]

luv2rn4fun - Is that per month??

[luv2rn4fun]

Mar 23, 2017 21:30:01 GMT -5 katespade said:

luv2rn4fun - Is that per month??

LOL, no. Sorry for the panic attack you just had (worried about cost of future kids). Tuition is $261/month. That was the yearly cost assuming he goes 12 months, which I am not sure how that works (will he have summer off?). It goes up to $400+ when he goes 3 days/week.

[bk1]

amaranth How often is preschool? How many hours per day?
luv2rn4fun Wow! I believe those costs though.

I had been looking into a 2 day a week 3 hours a day preschool and it will be $84 a month! (2016-2017 prices) Crazy cost differences!

[luv2rn4fun]

Mar 24, 2017 7:26:31 GMT -5 bk1 said:

amaranth How often is preschool? How many hours per day?
luv2rn4fun Wow! I believe those costs though.

I had been looking into a 2 day a week 3 hours a day preschool and it will be $84 a month! (2016-2017 prices) Crazy cost differences!

The cost seem outrageous at first but then I did the math and it's really $10/hour, which doesn't seem too crazy. We were paying $80/month for MyGym and that was 45 min weekly (so $20+/hour). Also, this cost is in the middle of the range of choices, lowest being around $130/month.

[bk1]

Mar 24, 2017 7:57:34 GMT -5 luv2rn4fun said:

Mar 24, 2017 7:26:31 GMT -5 bk1 said:

amaranth How often is preschool? How many hours per day?
luv2rn4fun Wow! I believe those costs though.

I had been looking into a 2 day a week 3 hours a day preschool and it will be $84 a month! (2016-2017 prices) Crazy cost differences!

The cost seem outrageous at first but then I did the math and it's really $10/hour, which doesn't seem too crazy. We were paying $80/month for MyGym and that was 45 min weekly (so $20+/hour). Also, this cost is in the middle of the range of choices, lowest being around $130/month.

That makes sense. The place I have priced is the only one I have found so far that will do just 2 days a week. That's all I want because I don't want to miss our free library classes.

[MrsMB]

MAJOR hugs ((bk1)) Know that a counselor is good at getting people to open their communication on issues. That may be a really helpful. I'm so sorry....money stress is no fun at all ((

[amaranth]

bk1 and luv2rn4fun ours is 3200 for the school year at a Montessori school. 3 days a week, 3 hours per day. It's mid range price for the area. Some are as low as 1200 but huge classes and only teaching stuff M already knows. The other Montessori I considered was $3700.