So there have been a lot of changes in my life recently, and it's been so long since I've blogged that I can't even remember what I've written about--nor do I have time to go back and read! Pathetic! My plan is to just type from the top of my head, and if I've repeated anything, my sincere apologies.
So starting January 1st, I'm back as a Stay at home mom! wowzers. It was actually a huge move considering that the whole reason I started working was because my husband's income couldn't sustain us completely here in NC. He hasn't gotten a raise and yet I'm back at home AND expecting another baby, which inevitably means MORE EXPENSES with no MORE money.
I've debated how good of a move it was to stop working so early--I mean the baby doesn't come until the end of March, for goodness sakes, couldn't I have just held out for a few more months and saved some much needed money?
But after thinking about my family and my daughter, it felt like it was time to stop. It was time to stop concentrating on how much commission I've earned, how much production I have for the month, how far behind we are on the newest promotion, how many Saturdays I'd have to come in to try to catch up, and then the guilt. The terrible guilt I would feel after spending more time with my co-workers than I do my family, and then on the weekends when I'm finally with my family, not wanting to be around them just because I want alone time.
I'm mid-way through week 2 of being back home and so far so good. I've implemented new financial and spending limits on the family to keep us living within our means. (I'll be writing about this in the near future)
This past year and a half, we've been able to pay off all of our debts and have a fully funded emergency fund that could keep us going for 6 months if need be. With the help of God, we've started moving toward the type of financial situation that we dreamed of, but trust me when I say that we are far behind our ultimate goal.
We're looking to buy a house, yet we have no $money$ for a downpayment without spending the money in our emergency fund. BUT keep in mind that I live on the 3rd story of an apartment complex, and I don't know if not taking advantage of this market, is a good idea.
so topics on which i will soon be blogging:
1) Lee's job switch-a-roonie!
2) My budget and new spending endeavors
3) Trying to find a home that fits our budget (which is super small)
Thanks for reading, and keep coming back for some new stuff!