Tag Archives: decisions

Fumbling with Finances

It’s Friday night. There’s a husband and daughter I adore sleeping upstairs and a baby kicking away in my belly, but all I can think about is money. When I was young I always thought when you were an adult you made enough money to do what you wanted and needed and that was that.

But of course it’s not really like that, especially in this economy. I’ve created many detailed spreadsheets and built out various scenarios, trying to anticipate any cost that we may incur. I spend so much time (almost every day) updating and worrying over each pay cheque, it’s started to take over my life.

Now with baby number 2 on the way and a recent need to replace my husband’s car on the horizon, I just don’t know how I can make it all work. How do people make it work? I guess some people make more money, and certainly I wish that I were in a position to strive for a new and exciting career status (ideally one that came with a salary increase) but as I type this reaching over my 8 month pregnant belly, it’s not an option.

Should we ride this car into the ground, even if I think it’s potentially not the safest to be carting around 2 kids? Our work schedules are too different to accommodate downsizing to only one car. Should we have not had a second child and bought a new car instead? Is it either or, not both? I know people who make less than we do get by and likely don’t even stress as much as I do. But between commuting and daycare, I’ve run out of ways to stretch the dollars. I worry if I make big decisions without exploring all the potential pitfalls that we’ll become swallowed up by both the debt and stress and that’s not good for us or our kids. When does being an adult become easier? How can you avoid getting swallowed up by the stress while still being fiscally responsible? Is that even possible anymore?

Advertisements
Tagged , , , , ,