Monday, January 23, 2012

money money money

I am trying to put money away each month for when I have no income. But am worried that we aren't going to be able to pay all of our bills come summer.

I would not consider myself someone who is frivolous with money. But I would say we spend what we make for the most part these days. We get the groceries we want (although we need to have a LOT of food when running a daycare), we go out regularly. We bought our kids some toys for Christmas, we have two vehicles that we fill with gas every week and get take-out on occasion (especially these days when I have no energy to cook after a full day with kids)

I do remember what it is like to be poor. To not be able to afford toilet paper or toothpaste or the food you want (meat!) or go out with friends for supper. So I try not to waste money.

We do not have cable, we pay 7.99 for Netflix every month and that is all. We do not have new furniture, neither of us goes for regular haircuts or salon visits, I don't have gel nails, we get hand-me-downs for our kids (still buy the occasional clothing item but not a whole lot), we do not go shopping every weekend or get Starbucks everyday, I didn't buy a whole new maternity wardrobe - I borrowed clothes from friends.

We do not go on holidays every year. We have never been anywhere tropical. However we do go visit family at least every other year in Nova Scotia, but stay with family and apart from flights, don't spend very much money while we are there.

We bought our van second-hand with cash.

I use coupons and usually shop at Costco or Extra Foods (when they have their discount days).

I am seriously considering a diaper service for the baby when she is born. It is $27 a week, which is less than disposable diapers. I know I would not be able to keep up with laundry if I were using my own cloth diapers. I can barely keep on top of laundry right now as it is. So this is a possible option for us. The service is already driving out to where we live, so it would just be one more quick stop for them.

I am running out of ideas though...

I guess I just need to think of more ideas and look at our budget and ways to cut it...

Wednesday, January 11, 2012

Another January

6 posts in the last year. That's pretty bad. So I doubt anyone checks this anymore.

Sometimes I miss blogging, other times I just don't care. I really don't have time to just sit down and write, but on the other hand it would probably be good for me to get some thoughts out.

I am halfway through my third pregnancy. I don't remember a lot from my last pregnancy. My dad died when I was at this stage with my daughter.
I measured 6 weeks ahead at my past appointment and apparently did when I was pregnant with my daughter too but have no recollection of this. It's strange and I also feel guilty. With my son I kept track of everything and did for the first part with my daughter but then stopped. I just did not have the energy. And now with this one, I just haven't had time. And honestly sometimes forget that I am even pregnant.

It's hard to believe that in March it will be three years since my dad died. Three years since I saw him, hugged him, heard his voice. It's gone by very fast yet very slow.

Back to present day, I've been running a daycare out of our house since May. It's been good but hard. Lately I have been feeling really cooped up. I think just being stuck inside almost all the time is getting to me. It's been a warm winter, and we have gone outside to play but you still can't be outside all day long. And I won't drive with all the kids. We don't have enough carseats and I don't want that responsibility.
So here we stay, trying to keep the kids entertained with books, colouring, toys and snacks. (and the occasional Sesame Street or Diego episode)

Since I don't qualify for a mat leave, realistically and financially I can only take four months off when the baby comes. This is frustrating as I would love to be able to just have a year at home with just my kids. But we made this choice when I quit my job and we moved into this house. And I am very thankful for the house we live in and everything we have.

It's been nice to have a bathroom on the same floor as our bedroom and to not have to go down a steep of stairs six times a night!

So, not much else going on right now. Trying to figure life out and enjoy it. Trying to not rush through the day so I can go to sleep , but to spend quality time with my children while I only have the two. Trying to be happy with all the blessings I have and not envious of other's lives. Trying to not think too much about all that my dad is missing here on earth.
Trying to love Jesus and not continue questioning why our family has had to go through this heartache. Trying to appreciate that other's have it way worse and we were so lucky to have him for the time we did. Trying to enjoy the family that is here and love them.
I'll keep trying.