Home > September Check In & Becoming a SAHM

September Check In & Becoming a SAHM

September 25th, 2021 at 02:58 pm


Mortgage −$119,744.93 (-$232.69)


Roth IRAs +$21,328 (-$2)
401K +$43,340 (-$146)
Emergency Fund +$9,247 (+$250)
Maternity Fund +$2,000 (+$575)
Animal Fund +$1,212 (-$250)
Car Fund +$20 (-$0)
HSA +$2,997  (+$335)

Overall: +$994.69


Our smallest gain in a while but still a gain. Markets were all down, I had to buy hay, and I've been puchasing a lot a little items that I needed since this was my offical last week of work! I also have some smaller saving buckets stashed away not accounted for here like gas, eating out, etc, to last me a while without a paycheck. 

I have enough in the maternity fund to last about 6 months without pay (including the monthly child tax credits until the end of the year.) That is not including the credits for the upcoming baby, or our tax return or anything. So I am hopeful I will manage okay. Work is still begging me to come back eventually, we'll see. It is definetly going to be an adjustment to pull from savings to buy stuff instead of depositing a paycheck each week. Still figuing out the best way to budget for my expenses. Currently thinking about making a "payment" to myself at the beginning of the month and budgeting it all out. That way I am not tempted to keep pulling little amounts from my savings and go over my allotted amount of spending.

We were also gifted a TON of diapers, wipes, and gift cards for the new baby. So these will help us stretch our budget.

Glad my husband makes enough for us to manage a single income and that we are frugal enough to have savings to do this! I am looking forward to my lifestyle changing a bit and trying something new. 

3 Responses to “September Check In & Becoming a SAHM”

  1. LivingAlmostLarge Says:

    The 6 months will help you adjust to your budget. You'll find fat in taxes and you may surprise yourself at how cheap you can live without working. I find it reasonably easier to live on 1 income than 2 kids and being super busy.

  2. rob62521 Says:

    How nice you were gifted so many baby things!

    I think you can probably find a way to stretch your budget so you don't have to worry.

  3. VS_ozgirl Says:

    I left my job in July and converted to part time employment with 6 months of income and have so far adjusted to this new lifestyle! I have found that on the months where you spend less, in the next month I use that surplus to withdraw less (but of course never spend more than the allotted monthly income payment). You will adjust fine. Allow yourself to really step into this new phase of life before even considering going back to your old job. And possibly consider if you need to get employment again to use your old job as an absolute last resort - really hunt around to go somewhere else first. Wishing you all the best!

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
Will not be published.

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]