Everyone that I know is having a baby.
If you are my friend, you are probably having a baby.
If I read your blog, you are probably having a baby.
If you have girly bits and are over 25, you are probably having a baby.
I admit that i'm overgeneralizing but it certainly feels like I'm in the baby baking minority.
I really would like a baby. The hubs really, really, really would like a baby.
One small problem lies between us and our baby making dreams: stupid decisions that we made in our early 20's- otherwise known as debt.
We are heading in the right direction and cut up all credit cards years ago, but there isn't a spare cent in our budget for day care. Okay, maybe there is a cent, but there is no more than 200 dollars in our budget that could go towards daycare. Daycare = expensivo in the DC metro area. Obviously day care is a given. If I can't afford daycare, I certainly can't afford to quit my job.
I can't even tell you how bad I wish that 20 grand would fall from the sky.
So my question for you-- just how prepared were you for your baby? Did you have a lot of savings or were you poor and just went for it? At this point, I feel like we're in a hole that we can't get out of for at least 3 more years (unless we have a secret inheritance or thousands of dollars fall out of the sky). Is it worth waiting three years or is it worth risking? My friend says that tax break will help, but be straight with me-- how good is this tax break?
Please weigh in.