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Posted June 25 On 6/21/2017 at 8:26 AM, fpmomma said: Cherie, I love your reports from FPU class. Taking that class together was what changed our financial future forever. I was gung-ho and DH was going along to make me happy, but then he caught the "bug" too, and our conversations were forever changed in a great way, and we were finally able to talk about our money matters without arguing or blame-placing. We began to identify common financial goals and work together diligently on them. It changed our budgeting, our parenting, really our entire outlook on things in general, and on money in particular. I'm so glad you two are able to experience this learning season together. Just be patient with each other and let the concepts sink in gradually and then begin to personalize the steps in a way that fits your family. _____ I've always said that Ill take what I can get from Spouse a far as participation in the class goes but yesterday's class made me feel like we took a step back instead of forward. In the back of my mind, I was hoping that the concepts would take hold and we could be Gazelle Intense together. I'll post about it in a bit after I get July's budget written out. I was holding off until yesterday's Cash Flow Planning lesson... but it didn't turn out the way I had hoped. On 6/24/2017 at 3:47 AM, DebtBgone said: Just think, in 2021 you will be putting all that BS2money into retirement accounts (I don't know your housing situation, rent/own) instead of someone else's pocket! Plug some numbers into the investment calculator on Dave's site whenever you need to get angry at debt. The possibilities are motivating! You're doing great! When 2021 rolls around, and it will, you will be so glad you've taken the steps you are taking right now. ________ We rent and the plan (after BS3) is to save for in vitro so we can have our baby before I get too old The steps really do test your will at times, but I know it'll be worth it. I just have to hang in there. When I get discouraged, I do think about how fast we'll be able to save for in vitro when all this debt is gone. We'll need $10,000 to start and I KNOW we can do that in less than 5 months without debt. Sometimes, a part of me wants to pause the snowball to start now, but that's the Baby Fever talking. I do worry about "waiting too long" so I think that we can evaluate where we are in a year and start saving for it as a sinking fund. We'll cross that bridge when we get there. Sorry. LoL I guess I needed to rant about babies Thanks!