Pre-parenting: budgeting adjustments
October 8, 2014
Planning soothes my soul, even if we’re not ready to really share this with family and friends offline, so I’ve retreated into making lists, plotting and planning.
My initial conclusion: This is going to be $$$.
The truth is, we know we’re going to have to throw money at the problem(s); it’s a matter of figuring out which problems can be creatively solved and which require money. I used to tough everything out to save money; that’s not a viable solution anymore. I’ve used up my allotment of tough and now it’s going to have to be accommodations and thinking ahead. I’d already been thinking along these lines when we were just becoming a dual-dog household, it’s even more important now!
Childcare: We know that we’ll need a lot of help around here, my health isn’t awesome, ever, and a little one will require care no matter how good (or not) I feel. The cost of childcare, even just to help during the day, is rather daunting from my initial research. We don’t have good family and friends nearby to rely on in a pinch, it’s all on us.
Unfortunately we aren’t close to any colleges so we can’t really steal a page from Nicole & Maggie’s book of hiring college age mother’s helpers but I will still look for any such possibilities.
Housekeeping: I only clean when my body isn’t too pained AND when I have energy. Those two rarely coincide, I’m sorry to say. I do bits and pieces of cleaning as and when. We’re not terribly picky but I do like a reasonably clean house so I’ve been thinking more and more about that robot vacuum. PiC is skeptical I have $100 saved for this extra expense so far. $400ish more to go! Or, we could use that money for semi-regular housecleaning, I’ve gotten a couple of quotes that are nearly reasonable.
Housing: We’ve enjoyed having an extra room but since we’re nowhere near being able to afford a bigger place in the Bay Area, we’re going to have to give up that luxury. I’m also eyeballing things for The Purge and we’ll likely start to Tetris for maximum utility.
Transportation: To date, our cars have been all about the Doggle. He was our first baby. We never anticipated getting anything that didn’t also have his comfort and safety in mind so we hit the research into minivans that we both like (safe, roomy enough for the family, automated enough for my level of use) and it was a bit scary. Good gravy but they are expensive.
I’m not yet prepared to sell one of our current cars and pony up something on the order of $30K for a new to us vehicle. And now that Doggle’s not around, sadly, it’s just Seamus and Little Bean to consider so it’s less pressing to move forward with the bigger family size option.
Healthcare: For now, we are lucky enough to have solid healthcare providers but they are job dependent. Neither of us are particularly worried at the moment about job loss but you know me: never assume you’re safe.
I’m not in love with some of our end-game options (y’know, actual childbirthy related things) but overall everything routine (checkups, labwork, radiology related stuff) is covered by our insurance for now at no extra cost. I still need to see what adding LB to the insurance as a full human will cost monthly and for actual visits.