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Expensive Week – Now Brainstorming Money-Making Ideas with a Baby…

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It’s been an expensive week.  I’m officially brainstorming ideas for a baby-related side hustle. We Bought a Car Hubby’s 2007 Prius decided that anti-lock brakes weren’t necessary for its existence last Tuesday.  While technically true, isn’t helpful for a couple having a baby.  It made it a nice 178,000 miles and could go further with a $2100 repair.  But I’ll leave that to the next lucky owner. We waived the white flag and bought hubby a new 2017 Prius for $28,250 drive-out at 0% interest for 72 months last Wednesday.  Not a bad deal, but not a world-ending, amazing one either.  All of that happened within 24 hours though, so I’m not going to kick myself.  At least I’m efficient, LOL. Genetics Testing is Trying to Give Me a Heart Attack But then, a few hours later into Wednesday evening, I login to Liberty Healthshare and see that Progenity, the genetic blood testing company that our doctor had us use for me in December, had submitted around $25,000 in charges.  Liberty recalculated that down to around $5000 but said it wasn’t eligible. I freaked the frick out.  Not only because a blood test could possibly run us $5000 but also … Read more

Why Planning for Retirement Shouldn’t be a Headache

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As many of us are approaching the realization that we have not exactly got a solid plan for our retirement in place, it should go without saying that those with the most foresight among us are likely to be one step ahead. Factoring in a number of considerations, things can sometimes appear to be overwhelming in terms of planning where we will be and what we will have once we hit retirement age. Yet, how many among us truly understand what we will need once we have said goodbye to our working days? Are we prepared in any way for the various scenarios which could affect us when we reach the age where we should be enjoying our hard-earned resting years? For a number of people, the answer is no. Simply starting to devise a plan which will bring us comfort and clarity as we approach retirement can help, but can also prove tricky. WealthTrace, the retirement planning software I recently purchased has revolutionized the way I am planning for my later years. Quite simply, prior to using WealthTrace’s software, I was bogged down with information to the point that I left my files and calculator in the study for … Read more

Explore the Benefits of Pet Insurance with Health IQ

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Many people know how important health insurance is, but have you considered the value of making sure everyone in your household has coverage? Your children are probably already included under your current plan, but what about your pets? Dogs, cats, and any other pets can get sick unexpectedly, whether they develop a disease, need surgery, or swallow something they shouldn’t have. Pet insurance can help you pay for veterinary costs related to these issues, and this insurance can give you peace of mind knowing that if your pets get sick, you’ll be able to afford their sick care. Selecting a pet insurance policy can be as complicated as finding health insurance for everyone in your family. Each policy will offer to cover a certain percentage of costs after deductibles, and the amount you must pay in deductibles before insurance coverage begins will also vary. Regardless, many people can find a number of excellent reasons why their pets would benefit from pet insurance. Some people never consider health insurance for their pets, but that oversight can be a costly mistake. Whether you need to keep up on vaccinations or you move to a new city and have to update your vet … Read more

Please Don’t Be Fully Financially Dependent on Someone Else

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For anybody new, I’m 20-21 weeks pregnant as of right now.  I’ve been blogging about personal finance, budgeting, and my life in general here since February 2010.  And I just joined a few mommy Facebook groups in the last few weeks to help myself prepare for what is coming and to start building support networks since only a couple of our friends have kids.  Main New Mommy Group Topics Here is what I’ve figured out by just looking around the mommy group posts every day: 1.  Sleep is HUGE.  Sleep training versus just holding them versus whatever is like THE TOPIC, always.  I’m leaning towards a steady routine so they get used to a process, but obviously, there are dozens of ways to handle sleep time and you do whatever works for you, boo boo. 2.  Lack of partner support is sadly also one of the top topics.  Like depressingly prevalent.  For the record, I’m with anybody who says that partners don’t babysit their own kids while a mom takes a break.  It’s called taking care of your kid.  I get that we pregnant women have the breast milk and whatnot.  But that doesn’t mean the entire raising process of … Read more

7 Questions to Ask Before Buying Your New Home

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One of the biggest financial commitments that anyone can ever make in life is probably buying a house. Apart from searching for the kind of house that you may have envisioned for such a long time, it is also important to be practical in making this kind of decision. Searching for a new home can be a tedious task. It may take a lot of your time and wear you out looking for the right one. And even though you do those things, there’s still a big chance that you may end up missing a few points. Despite this, you need to make sure that you have looked through every option. That way, you are assured that you won’t encounter any problems once you move in. Questions to Ask Before A Home Purchase To help you out in deciding to buy a house, here are a few questions to guide you. How long has the house been on the market? You should know how long the house has stayed on sale, because this could be a big hint of what the actual situation is. A property that stays long in the market may have some issues that prospective home buyers … Read more

Freebies and Hand-Me-Downs for the Win!

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I’ve always known that babies grow quickly, so buying everything brand new was not going to be my path.  But I also know that many of my friends and family want to help out.  And listing what I still need will let me know what I’m missing when I’m about to pop, hence creating an Amazon registry I am editing as we go… Spending Restrictions Until May Since I know baby showers and baby-to-be gifts are coming in the next 3-4 months, I also have put myself on a very restricted nesting budget.  I will only allow myself to spend $100 on anything baby-related until at least mid-May 2018. I don’t usually enjoy shopping but I do like being prepared.  So restricting my nesting spending is actually harder than anticipated.  BUT, it hasn’t stopped me from accepting freebies and hand-me-downs from friends, family, and neighbors!!!  And that is a WORLD OF HAPPY!!! Hand-Me-Downs are Amazing! Thanks to the generosity of our parents and family, our friends, our pet sitting team member with a 3 year old, and now neighbors I’ve met through Nextdoor.com and Facebook, I am checking off the baby list pretty handily!  And there has been the added … Read more

New Year’s Resolutions – Goodbye 2017 and Hello 2018!

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Wow…2017, I barely knew you!  I’ll admit, with all the baby-making ups and downs last year, I did not pay attention to much of anything else except in spurts.  But let’s see what happened… 2017 New Year’s Resolutions 1. Be a Healthy Baby Incubator.  CHECK I was honestly a healthier baby incubator during the three miscarriages than now, which is a baby chugging right along anyway!  BUT, I’m taking my prenatal vitamins, extra folic acid, and baby aspirin every night like clockwork.  I only eat what I can keep down.  That luckily includes fruits and vegetables as well as tacos, kolaches, Egg McMuffins, and candy.  I did lose quite a bit of weight last year thanks to DietBet and then “morning” sickness (I maintain that name is a lie)…I got down to 155 as planned and now am struggling not to lose more in my second trimester because I can only eat about a fist-sized serving of food at a time without getting sick.  Yay, pregnancy. All in all, I have been increasing my water intake, walk as much as I can when I’m not sick, and am following all doctor’s orders, so I’m going to consider this a win. … Read more