It was sooo easy when it was just the two of us and the credit card debt (SUPER amount of sarcasm there). I had a plan and I was pretty well following it: Pay off the credit cards and don't spend money.
I decided pretty much first thing that every extra penny would go towards the credit cards. At first I was debating between saving, paying down the car, paying down the credit cards, and other little monetary issues like fixing things around the house and so forth. I sat down made the decision and put everything on the back burner. The credit card debt NEEDED to be addressed first thing. Everything else would come in time. Once I had a plan I struggled but I knew where I was going. I always had an answer to the "where does this money go" question: THE CREDIT CARD DEBT!
It's been TWO WEEKS since my last blog post; two weeks of aimless spending and frustrated questioning. I really genuinely couldn't be happier about the little one we're planning to welcome six months from now. But I'm looking forward to these next six months less than any others I've ever faced. I don't get paid leave from work. I'm not sure if I can get some sort of disability insurance to cover the baby leave. I can't imagine even going back to work after I meet my little one but that's an entirely different blog altogether, it's something that has to be done, and I'm just going to try my hardest not to think about it. I'll cross that bridge when I get there. Back to business, we have health insurance but the hospital bills for this new little bundle are going to be expensive, I'm estimating at least $2000.
Basically I don't know where to start. Do I go back to paying minimums on the debt and start saving for the hospital bills and work leave? Do I keep paying down the cards (tackling the ridiculous interest payments that go down every single month that I pay extra on the cards) and just worry about the new expense when it comes? Do I just declare bankruptcy, quite my job, get government assistance for my food and health care like everyone else and live the stay at home mom dream? (That's a joke by the way. No matter how difficult life gets I'm not going to fall back on quitting responsible living... ok, maybe if we find out we're having triplets or something like that I'll consider it).
I don't handle change well. I'm really dysfunctional. I'm faced with a new scenario and instead of sitting down and trouble shooting I just let the cards fall and pretend that life isn't happening (and eat everything I can get my hands one). Geesh, this way of handling things is NOT working out. I've got a substantial amount of credit card debt as proof to the above statement. Any input is appreciated. I really cannot figure out the best thing to do here. I've wasted two months now wondering and coming to no conclusions. Keep paying down the cards? Start saving for baby? Cross the bridges once I get to them? Does anyone know anything about disability insurance?
Well... at least I've finally posted a new blog : )