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July 17th, 2019 at 07:17 am

Our finances/goals have changed a bit recently due to a fact that I have eluded on here for a while. I'm pregnant!

I'm due in January, we are very excited and a little nervous.

Our main goal this year was to pay off our home remodel credit card. Although that is still a big priority, my extra work has slowed down a LOT because I have had a terrible time of it and have been sick for months. It has been really hard for me to even do the basic necessities. I am still paying down as much as I can, and even if I can't completely pay it off by the end of the year I am hoping it will be at least greatly reduced.

Besides the reduced working, my pregnancy/labor/delivery is estimated to cost between $7,000 - $10,000+. Embarrassment Since it falls right after the new year I may possibly have to hit my max OOP ($6k) this year, and my deductible and/or max OOP next year. Bills are already beginning to trickle in.

Hoping to be pleasantly surprised and owe a lot less, but that is what we are figuring on for now. I am also paying for a doula, the required birth classes, etc. Plus we need to remodel the nursery (our old bedroom) which still needs mud/taped, painted, trim, and all the furniture.

Needless to say this is going to be an expensive year, I am happy we are in the best shape we have ever been in. We are optimistic that we will be able to save for the hospital costs with the HSA and husband's overtime. While I will continue using my extra income for paying off our remaining debt.

My stretch goal would be to have the CC paid off at the end of the year as planned, and have enough money saved to pay the doctor in full in January. We'll see!

14 Responses to “I'm PREGNANT!”

  1. creditcardfree Says:


  2. Wink Says:


  3. Andrea F. Says:

    Congratulations! Very happy for you.

  4. CB in the City Says:

    Great news! Good luck on saving!

  5. shiela Says:

    That's great news. Congrats!

  6. mumof2 Says:

    congrats for you both...I had a friend in a similar circumstances...needed to redo a room for the nursery...so her husband orgnised a couple friends and the "grandpas" to help him over a weekend...it was contribution to the baby shower and it took all the pressure off of her and then she could focus on the baby shower...she loved that...dont know how you do it over there but I know in our family we divide the 3 main things you need for a baby...car seat..stroller...crib...so the parents buy 1 big thing and so does each of the "grandparents" 1 each of the big things...it helps out a lot (if families are in position to help)...but that is just our family...know kids can be expensive but remember they dont need everything just the basics...I am excited for you guys...such an amazing experience

  7. Lucky Robin Says:

    Ask around in your circle of friends, family, and work acquaintances if anyone has items you can have, buy, or borrow. We had a cradle and a bassinet going around the family for years, along with their sheets, since they could only be used the first few months of a baby's life. Someone always has a crib (just make sure it is up to modern safety specs), a play pen, a high chair (again modern safety specs), a bouncy seat, or a stroller in their garage. There are baby clothes for the asking, usually. You can save a lot of money with used. Car seats should always be bought new, though.

  8. Bluebird Says:


  9. VS_ozgirl Says:

    Congratulations!!! That's so exciting. Wishing you all the very best!

  10. Dido Says:

    Mazel tov!!

  11. Jenn Says:

    Congratulations! That's exciting.

  12. MonkeyMama Says:


  13. rob62521 Says:

    Such blessed news!

  14. Petunia 100 Says:

    How wonderful, congratulations to you both. Smile

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