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gmarie

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gmarie last won the day on March 18 2018

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About gmarie

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    Female
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    NY

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  1. gmarie

    October!

    Thanks. I just feel so hopeless with our current income. I am working on our 2017 budget, and we are actually short several hundred dollars in a minimum income month. The solution to this is to cut the sinking funds and fund them in an extra paycheck month), or cut some things (but there is really not much to cut)... but my issue is that I have trouble giving up on my 'ideal budget'!! There are also some extras in there, like $120 for therapy - I had been going every week after I had the baby - to prevent postpartum since I had issues with depression when I was younger- now that my deducti
  2. gmarie

    October!

    Sort of. BS4 is technically budgeted every month (and 4% is 401k) but it is always the first to go, and we really do need $1000 extra per month to make it all work. The 529 is a lower amount so it's not as scary to put on auto draft and it was important to me to start it as soon as his SS# finally came in the mail! But, I stopped it while we are refilling the e-fund, and will reinstate it along with BS4 at that time.
  3. gmarie

    October!

    Thank you! I personally think DH could get more done while he is on baby duty, I manage all day by myself, working and doing stuff around the house, but I'm also feeding him every few hours which takes up a ton of time... but DH does do most of his bath and bedtime routine at night while I'm working, and of course time playing with him is important. He also hasn't been working out lately, but he has had been doing 1-2 hour workouts, which was crazy!! I think 45 mins max is sufficient when you have an infant!! And, when I started complaining, he started working out after I went to bed, le
  4. gmarie

    October!

    Thank you! I do need to accept that I can't work as much if I'm focused on the baby! I also want to start cooking again! DH is currently all of the cooking. But, it's hard because I do earn 50% of our income and most of the the childcare is on me... which I love. (I'm not pumping at all). But, I think that if we went to more traditional roles maybe things would be easier for us. I am also starting week three of a moms group at church so that is contributing to these feelings... I left the first class thinking that i need to quit all of jobs, and the second class I left feeling like I want to
  5. gmarie

    October!

    Well, we are in a place we haven't seen in a while... baby step 3! Based on current projections, after replacing our sinking funds, we will not climb out of the hole until December! So, I stopped the 529 contributions (which kills me) but should help to keep me motivated to fix the mess we are in. We never made it to the deck project or dental work, but we did go forward with the beater car - and even paid $1000 for it, but spent $$ to pass inspection. We've also had issues with our other car which doesn't help. But, the car finally passed inspection, and hopefully we will get a few years
  6. gmarie

    It's August!

    Thanks! His recipe development project is delayed.. took it out of Aug income, and with it, the 15% to retirement and a few sinking funds. We had our nieces this weekend and overspent. I am feeling so discouraged!
  7. gmarie

    It's August!

    It's a new month and I'm determined to make our budget work and get back on track! My goal is to get all of the baby steps in the budget, with our 10% gross to giving and a min $1000 snowball. I want to convert the traditional iras to Roth, but need to do some tax planning to see if we can afford to do it this year. My health insurance is also going up so need to review that as well. I would like to automate our 15% retirement so we can finally be consistent with BS4. I have automated the 529 contributions, and have been impressed with the growth so far. It has inspired me to move more
  8. Yes, it did save money, but my mother paid only $1000 more for a full install by her oil company a few years ago, so I don't know.... His brother is a good salesman and likes to do everything 100% so they replaced pipes etc that we hadn't originally budgeted. And, I don't know why car repairs have to cost so much! Dh has been doing a lot of our repairs himself to save money, but it gets so frustrating and time consuming for him. Some of the $1060 spent today was for things he could have done himself (like fixing the rear brakes) but I think he is emotionally exhausted and I couldn't ask h
  9. On a positive note, the baby is doing great! He will be 4 months next week! I'm also working out every day...I'm on week 6 of couch to 5k and just started piyo, and I'm 5 lbs away from my pre baby weight! I think working out is the only thing keeping me sane right now! ... well that and baby laughs :-)
  10. Well, it's been quite a month, and July is not even over yet! I think I'm going to hide out in our bedroom with the baby until it is, just in case!! We fixed the balcony, replaced the boiler, and bought the pool fence. The boiler completely died two hours before the new one was delivered, leaving us with no hot water until his brother (who does hvac for a living) could come over to help install it...but they didn't have time to do the heat, so he'll have to come back... We have also been having major car issues - the truck failed inspection, and it's not worth fixing (at least not right no
  11. Well the first week of working at home with baby without Dh home went reasonably well. I will nurse while sitting at the computer with the boppy pillow and just let him sleep there or will put him in his carrier with music on. I also bought a sling that I need to learn how to use. I think that will be helpful to get stuff done around the house etc.
  12. sorry, i don't mean to be rude, i'm just tired and the idea that childcare is the only way to make working at home possible makes me panic. He's two weeks old, I can't even begin to think about childcare and trusting someone else with him...
  13. I'm not going to ignore my husband or let my house fall apart or never communicate with the outside world lol. I kbow everyone is trying to help but I just updated my blog, was not asking for advice on working at home! Feels very negative!
  14. I just need to remind myself that everyone is different... Just because something doesn't work for one person, or someone can't see themselves doing something, doesn't mean it won't work for me. I really feel this will work out...
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