Sunday, August 31, 2008

Will we ever get there?

Lately I have been really depressed. I didn't meet my want and need to be CC debt free by August. It's likely going to be November before I meet this goal. I feel sick of having to living on such a tight budget. I feel a tremendous amount of guilt about spending more than we should. Like I have to justify everything. Today I got into a fight with my mother. Mainly because I wasn't coming down for her Birthday (she is Austin). I guess I had it my head she was coming up to Dallas instead. So I had her gift shipped directly to her. I had two birthdays this month which hits your budget really hard when you trying to focus on debt. So I bet you are wondering why I am doing this all. Why does it matter? Plenty of Americans have debt. Plenty are drowning in it and it doesn't bother them. This is no way to live. I want to live within my means regardless if I should or not. There are plenty of reasons that I am doing this. First, I want to be able to save as much as possible to get us a good cushion. There is always that what if. I am about to go in to our savings to take a huge junk to pay off as much as possible. This was part of the original plan...but that means I have to get it paid off for good so we can get back to saving again.
Another big thing is that Sandro and I want to start a family. Well my insurance isn't the best and I will have a automatic 3000 deductible. This doesn't take into account the amount I am going to pay if I happen to have our baby out of network (shit happens right) or if there is something wrong with our pregnancy. Then there is this whole problem with paying for daycare. I have no intention of being a stay at home mom. I have career and I want to keep this career and have a family. Daycare for babies is close to $800-1000 a month. So once we have a child we won't be able to save very much (except for retirement)
So it comes down to this. How can we afford all of this? I can't even afford to decorate my house or get much needed tools that are necessary for home ownership. I either need to get a better job or Sandro will. But I love what I do. I love my job. So anyway...my head is swimming today. Maybe it's the PMS talking maybe it's me just feeling the challenges of married life. Do we just become like everyone else and drown in debt. Or do we focus on our goals?
I feel like every time there is a obstacle it will keep us further away from having a family. I feel like every time something that pops up that isn't on our budget that it derails our plan even further. I wish I could just be happy and not have to think about all of this. I wish I could just win the lottery. Well overall I know I should be thankful for having amazing supportive husband. I know we will one day make our goals. Hopefully this depression will subside soon.

1 comment:

Meg said...

Hang in there Steph! You are being very smart and your dedication is wonderful! Going into starting a family debt-free is so smart, and you will be happy you went through this. You're so close, even if it is a couple more months!!!