Wednesday, November 27, 2013

So Grateful

I have so much to be grateful for this Thanksgiving. I'm most thankful for my new son, my little girl, and my amazing husband. I stare at my son and cannot believe the miracle that he grew in my belly from a fertilized egg. I look at my daughter and am so thankful for the amazing little person she is becoming and has become. I'm so thankful that my husband is supportive and a hands on dad. For the first week post-partum, I couldn't stop crying and he stepped up and did what I needed.

On the financial front, I'm grateful for the fact that we have a warm house and plenty of food to eat. Both my husband and I have good jobs. My work has not bothered me at all since I've been on maternity leave which is nice. We do truly have first world problems.

Our new well was drilled this week. I'm not exactly sure how much it will cost and I'm a little anxious about that. I'm thinking between $5-6000. We have $4000 in our regular savings. We also will have $4500 in our car fund that we will need to pull the remainder of the money from.

 Following the birth of my son, I haven't been overly concerned about our daily spending. I've relied heavily on Y to stop and get what I've needed from the store. He has a habit of also buying cheese and tortillas when he goes shopping.

We haven't received any medical bills yet. We have just over $700 in our flexible medical spending account for 2013. I'm hoping that covers the remainder of the bills.

Happy Thanksgiving to you and yours!

Wednesday, November 20, 2013

Welcome to the World

This is the story of the birth of my son, born one week ago.

I left work early on Tuesday, 11/12/13. I wasn't feeling well but had been having contractions with more regularity since the previous Friday. I mentioned it to my friend and she was adamant that I use her exercise ball. I picked it up and rocked on it for a couple hours. I began to have more contractions. Around 10 pm, I got to bed with the intent to see if the contractions would subside or increase. At this point, I talked to my husband and realized that we didn't have a solid plan for what to do with Lil Punk when we went in. He called his mom to give her a heads up and ask her if she could come over later.

It was obvious to me that I was in labor so around 12:30 Y called his mom again to ask her to drive over. She arrived around 1:15. We then went to the hospital. We got there around 1:45.

I labored in the whirlpool tub for awhile. My doctor broke my water around 4. At that point, I was in pain and just wanted my baby OUT. He was born at 5:15 am. He was a little bigger than I thought, 9 pounds 15 ounces. We were blessed in that he is healthy. He had a bit of jaundice but is doing well now.

I am so in love with my son. I can't imagine life without him now and its only been a week. In a way, its been a long week. Lil Guy has not been sleeping at night. He wants to use me as a human pacifier but won't take a real pacifier. I get that he was in my womb for 9 months and he wants to be close to me.

I love being a mommy for the 2nd time. We are so blessed.  

Tuesday, November 12, 2013

Mandatory Mental Health Coverage

Anybody who has read my blog for a little while knows that I'm not a fan of Obamacare. I do not like being told that I have to do something for my own good. However, I do see some positive in the mandate that we all have health insurance and not just any health insurance but insurance that covers specific things.

An area that I feel often goes undiagnosed and/or untreated is mental health and substance abuse. I see it as a huge win/win that we will all have access to mental health professionals. Depression and other mental illnesses are on the rise. For far too long, mental illness has been pushed under the rug. I don't think everyone can be helped with therapy but its certainly not going to hurt.

Substance abuse is another area of expansion of insurance under Obamacare. Substance abuse will take a thriving member of society and turn them into unproductive people. I don't fully understand why one chooses to continue to use when its obviously ruining their life but my bff is an addiction counselor. She has helped me understand what an illness substance abuse truly is.

I hope that going forward those in the mental health profession educate the general population on the options they will have with their new insurance, whether this is done through advertising or referrals.

Thoughts? Do you think this added coverage will really matter?

Natural Induction Methods?

I am so ready for this baby to be born. My bottom and pelvis hurt so bad. I want to meet my little guy. Does anybody have any advice?

Monday, November 11, 2013

Happy Veteran's Day

Thank you to all the veterans. Without people like you who are willing to make sacrifices, our country would not enjoy the freedoms we enjoy. Thank you so much.

Saturday, November 9, 2013

Paying for our New Well

I mentioned earlier that we need a new well and it cannot wait until spring. The estimate for the new well is about $5000.

This is our plan to pay for it. Our regular savings is at $3800 and out new car fund is at $4500. We also just had to pay for our landscaping rock which was a little over $800. We will drain our savings and dip into the new car fund leaving us with only $2500. This is far below our comfort level but I would rather drain our savings than put it on our home equity line and pay interest on it.

If we have another emergency in the near future, it will go on our home equity line. The available credit is $28,500. We took that out when we bought the tractor but we got a better rate on the tractor.

The one newfound financial comfort is that the tractor is now paid off so we can focus on rebuilding our savings. We are watching our spending very closely in all areas. I'm hoping to put some money into savings this month but my pay is reduced due to the government shutdown last month.

I still think I prefer having our own well and septic rather than having city utilities. You still have to pay for the initial hookups when you buy a new house. With our previous house, the special tax assessments for the road, sewer, water and paying for the development were just over $20,000. We also then had a water and sewer bill monthly. So far we've paid about $6000 for a new septic and the well will be $5000.

Would you rather be on city water and sewer or have your own?

Thursday, November 7, 2013

Taking Handouts

I have an issue with people taking government handouts who don't really see them. I would definitely take a handout to keep a roof over my head or to feed my kids, if absolutely necessary. By absolutely necessary, I mean that I had no other options. I would take a job at a fast food place or stocking for retail or driving truck before I would apply for assistance. I would take a second job on nights or weekends. I am capable of working and I'm good at it.

For housing, I don't know what would have to happen for me to be on assistance for housing. I could always cash in my retirement plan to buy an older trailer house or small house. If I was 20, single, and pregnant with my third kid, I can see how I wouldn't have these options.

For food, I would do what I had to do to stay away from food stamps or WIC. Both are good programs and have their own purpose. For food stamps, I feel its designed for those who aren't capable of working like those with either disabilities or the elderly. For WIC, I think its designed for those whose children would lack proper nutrition without it. For the girl who gets pregnant in high school and doesn't have family support, this is a good program. I also firmly believe that the WIC program steers those at a lower income level away from breastfeeding because the formula is free. (Statistics back this up.)

In their own way, these are great programs for those who truly need them. It's the people who work the system for their own benefit that irk me. Are they really working as hard as they can and using these programs as a last resort? Or is it just easier to get the benefits and call it good?

Does this annoy anybody else?

ETA: This post was inspired by a blogger who had a plan to retire very early, have a million dollars and take $40,000 as annual income to qualify for the tax subsidies of Obamacare. If you have a million bucks, should you really be taking a tax subsidy that the rest of us are paying for?

Tuesday, November 5, 2013

Underpants for Christmas??

Every year I buy a gift for a needy child. This is done through our local county. I get a little bit of information like age, sex, clothing sizes and interests.

I received the information today about a 14 year old female. Under the clothing/size category, she wrote: shirts XL, underpants size 6 and jeans size 13. Under the interests category, she wrote: nail polish, glitter, makeup, like kitties and puppies.

I can easily buy something for this girl. I figure I will place an Avon order because you can get lots of little sparkly makeup and nail polish fairly inexpensively. I will get her an outfit too with underpants.

However, it really breaks my heart for this poor girl to have to ask for underpants for Christmas. And from a stranger! Can they really not afford underpants? This just makes me so sad. I'm excited to buy this girl a nice Christmas gift.

Do you think its sad to ask for underpants for Christmas?  

Sidenote: Y and his two brothers still get socks and underwear from their mom for Christmas. Even Lil Punk now gets socks and underwear. I only get socks from my MIL.

Monday, November 4, 2013

November 2013 Goals

  • Have baby
  • File for the remainder of daycare flex benefit
  • Pay for our new well--this will be paid for out of our regular savings, monthly cash flow and from the new vehicle fund
That's it. I know I will definitely have the baby because my doctor won't let me go past 41 weeks because Lil Punk was 9 pounds 1 ounce.

How is your November looking?