Wednesday, February 15, 2012

Money Worries

When I took the new job, I wasn't too concerned about the pay cut. We would be fine on the two modest salaries and Billy would soon get promoted to manager. My pessimism about getting pregnant slated me for a 2014 baby at the earliest. We would be fine!

So now that I am so very happily pregnant, we have experienced a few big financial changes. First and worst, our mortgage went up $400 per month. Our escrow was messed up and in the red. The lender is an idiot and didn't realize that the estimated taxes and actual taxes didn't match up for two years. That $400 is a big chunk of our money.

Second, Billy got promoted but to assistant manager. It's still a raise. That's great and I am so proud of him. We were led to believe he's go straight to manager but that's life. Unfortunately, the pay isn't as high. It's a great help but I don't think we can live off just his wages with our million dollar mortgage.

That leaves me. I will get no maternity leave. I am not ever eligible for FMLA to hold my job. I honestly don't know what they will offer me. If I go back to this job, I will be paying well over half my earnings in child care. It upsets me so much. I wanted to, no, want to stay at home. I am just not sure if that's feasible. Going back seems no smarter financially.

I need to figure out a part time job, a better paying job a gig or something that will help the family and not require full-time child care. Until then, we save. No babymoon. No push presents. I wasn't expecting those anyway.