Nov 21 2008

The ‘right time’ to have children

I saw this post on WiseBread called “Can you afford to have a baby?” and I thought I’d blog about my own opinion.

Now, that post doesn’t come out and say that you should wait until a certain point to have kids — it merely gives things to consider during your pre-children years.

I’m probably going to ruffle some feathers in saying this, but I don’t think you should base your decision on whether to have a child on your finances. You’re welcome to respectfully disagree with me.

As much as many of us would like, we simply cannot “pencil in” having children on our calendars. For some, pregnancies are a total surprise. Or, some of us might decide to try to get pregnant and find ourselves with a positive test result just a few weeks later. For others, that day may never come. Babies might not come when they’re “convenient” for all involved, but I can tell you one thing — babies are born exactly when they need to be.

I’m due with our first baby on December 30 (plus or minus a few weeks, of course). With my due date so close to the new year, it’s possible he’ll be born in 2009. Sure, it would be nice to have an ’08 baby for tax purposes, but if it doesn’t work out that way, we’ll be fine with that. He’ll likely be born around one of the busiest times of the year at my husband’s work. Oh, well.

And yes, it stinks that we won’t be able to travel to Indiana for Thanksgiving or Christmas this year. But you know what? That’s ok with us! It’s a great reason not to travel. I’m sorry my due date is inconvenient for some, but it works for my baby, Shane and me, and everyone else can just deal with it :).

I’ve even had people tell me, “Oh, I hope he’s not born on Christmas. That would be terrible.” Are you kidding me? Who better to share a birthday with than Jesus?

When we announced that we were expecting, we caught some grief from some family. We were told that we should have waited until we were older, had more money, had more work experience, lived closer to family, etc. etc. It was incredibly upsetting and insulting to hear.

Of course it would be nice if we had no debt right now. Or if we lived less than 8 hours from the grandparents. But we’re fine and we’re going to be fine. It’s not like I would tell my baby, “Oh, sorry son. I’d rather be in a better financial situation than be your mommy.”

If people wait until they’re in the “perfect” situation to have children, those children might never be born. I wasn’t born at an ideal time for my folks, but I’m really glad I was born when I was. God had picked my birthday for a reason. If I was born just a few days or so later, I would have started school a year later, as I was born right near the cutoff date. That would have affected everyone I’d ever meet. I would have started college later, and perhaps wouldn’t have met my husband when I did.

So ask yourself, were you born at the “wrong” time? Do you wish your parents waited until they had more money or lived in a bigger house or had some other situation going on? Maybe you’ve had a particularly hard life, and if that’s the case, I’m sorry. But I’m willing to bet that most people are glad to be alive — no matter their circumstances.

For people who want to have children when it’s most convenient to them, I have to ask, “Have you met a baby before? Because nothing about babies are convenient.” Babies don’t care if you haven’t slept more than two hours in months. They want fed now. They want changed now. They want cuddled now. They don’t care if you have an important meeting at work. They get sick at random, inconvenient times. They have explosive diapers in public when you find yourself without an extra outfit for them. It’s the way of the baby. “Convenience” isn’t part of the deal.

We can’t always know why babies are born when they are. But God knows. “Before I formed you in the womb I knew you; Before you were born I sanctified you; I ordained you a profit to the nations” (Jeremiah 1:5 NKJV).

So who in the world do we think we are, to get in the way of God’s plan?

I’m not saying we shouldn’t try to give our children the best circumstances possible. Yes, we should be good with our finances. We should pay off our debts and increase our savings. We should buy life insurance policies. We should save for retirement. If that means that we need to make sacrifices in other areas (maybe not taking vacations, downgrading our lifestyles, being total tightwads) then that’s what we need to do.

But these financial things shouldn’t be deal-breakers. If you’re in debt but desperately would like to have children, why should that stop you? Perhaps you can turn your focus to building up your savings rather than paying down debt at the present time. You can likely pay down debt later. Can you have kids later? It’s hard to say.

Being a good parent doesn’t necessarily mean being debt-free. It doesn’t necessarily mean having a lot of money in the bank, or a four-bedroom house, or a great career. In fact, I don’t think the ability to be a good parent has anything to do with those things. Wealthy people can be total morons with their children, and broke people can be the best parents a child could ever hope for. It depends on a variety of factors.

Children don’t need fancy clothes, a roomful of toys, or 529 plans. They need attention and love. If you will provide those things, then don’t let some financial planner tell you when you should have kids. It’s not up to them, anyway.



35 Responses to “The ‘right time’ to have children”

  1. Well said, Kacie. I admit I’m one of those who wanted a bit of financial security first before having a baby. If my husband and I were still in debt up to our eyeballs, had no good source of income, or any savings, we would have waited before having a baby.

    True, I could have waited a long time and not get pregnant when I’m good and ready financially but in my mind, there’s always adoption.

    We all want what’s best for our families and for us, waiting a little bit worked out perfect.

  2. Totally agree, Kacie! It is a consideration, but should not be the be all and end all.

    Well said. :)

  3. I agree with most of what you said — babies are a blessing whenever they arrive and they are generally not convenient :)

    however, as a Christmas baby myself, I have to say that until you’re a certain age… a Christmas birthday definitely sucks! lol I really enjoy it now (and my DH and DD are both within a week of me so it’s a busy month) but as a kid I hated every bit of it.

    Love your blog!!

  4. What a great post Kacie. Twenty -Three years ago after just a few months of marriage my husband and I found out that we would be parents shortly after our first anniversary. Many of our family and friends couldn’t believe that we “could be so careless”. We had no savings, no house, and to say we lived paycheck to paycheck would be an understatement! But God is good and he blessed us through the years, and now that child that we “carelessly” conceived is planning her own wedding! It wasn’t easy, and at times we wondered if we would make it, but I’m so glad we let God plan our children and we didn’t wait until we were financially stable. We would have missed out on so much!

  5. Excellent article, and I totally agree. I love this part:

    “It’s not like I would tell my baby, “Oh, sorry son. I’d rather be in a better financial situation than be your mommy.””

    That’s exactly true. My husband and I are in the group you mentioned, that got pregnantreallyreallyfast. We had been married three years and decided that we wanted to have kids on a Wednesday….by Sunday we were pregnant. Our first baby is due in March, and we are thrilled. Would we have been less thrilled if it was unplanned? Never! We would have been more stressed, but no less happy. All the women in my family have had difficulties getting pregnant, and we expected to have to try for awhile. NOT the case at all, lol.

    Also true is what you mentioned about there is no perfect time to have kids. There will always be problems and there will always be challenges, but if you have love then everything will work out. Keep things in your life, and your children’s life, simple and everything becomes much clearer.

  6. Great article! My husband and I are hoping to start trying in less than a year :) Not b/c of financial concerns, but b/c of a potential surgery I might need and won’t know for sure about until the middle of next year. It’s tough to wait – sooo many people I know are pregnant right now and I want to join them! :)

  7. Amen Kacey!! I can’t wait to be a mommy! Bring it on!! :-)

    My parents got married when they were 18 and 19, had my brother a year later, and me two years later… talk about inconvenient! They then went on to have two more kids! They were broke and trusted God with all of it!

    Now they own a beautiful home where they are empty nesters to four children who either went to and graduated from college or are currently in college.

    Humble beginnings don’t have to last forever!

    Rachel’s last blog post..Thanksgiving on a Budget!

  8. Thank you for sharing your opinion on this! I truly enjoyed this post.

    First of all, I am so sorry that some of your family said those things to you. I know I freak out about how much kids cost and if I’m really ready to have one (I’m 25) but deep down I know I am ready. I really want to be a mother and I figure that my desire to be a good mom will help me do whatever it takes to get pregnant and support that child. I really admire you, Kacie, for posting this. You are such an inspiration and a light to me! I love your positive attitude on pretty much everything!

    MrsMoney’s last blog post..My Financial Plan for the next Nine Months

  9. Great post! My husband and I found out we were pregnant a month after we got married. It was unplanned, we had nothing to our name, but I wouldn’t change it for the world. We just found out were pregnant with out second (after trying for several months). We decided that it was more important to have our children close in age than to be able to afford extravagant vacations or whatnot. We don’t own a house, we have no considerable savings, but my children will both be in school within a few years of each other and then I’ll be able to have my career and we can afford those sorts of things when our children can appreciate them.

    Amanda’s last blog post..Garlic Chicken Farfalle

  10. I don’t disagree with you at all, but I wanted to mention a few things. :-)

    When my husband and I got married, we knew we didn’t want kids right away. We didn’t have a specific timeframe in mind, so we left that open to whenever we felt we were ready.

    In the meantime, though, we prepared. We paid off debts. We worked hard to make sure we could live on one income (it was important for us to have one parent at home full-time). We put aside a baby fund in our savings account. We didn’t let our finances dictate when we should have kids, but we also tried to make wise decisions about our finances knowing we would LIKE to have kids. So while you ARE waiting (if you’re waiting), there are things you can do to better prepare yourself. Finish that degree, pay off a car, buy a house, move closer to family, have a fully-funded savings account, etc. And just be open to the possibility of kids before those goals are met.

    By the way, I’m a Christmas baby. I loved my birthday growing up. I still do – I have found though that people forget it if you don’t remind them. So I remind them! :-) Every chance I get. I have only hated my birthday when I got my own car and the tags expire on your birthday. It’s really hard to deal with those types of things around Christmas time!! Our next car we’ll put under my husband’s name so we don’t have to worry about renewing the tags until March!

    ashley @ twentysixcats’s last blog post..music game!

  11. Great post. Jordan and I thought we needed to wait before, because we do have some debt and I still have to work, but reading this post at Mama Rissa’s Corner changed our minds: http://mamarissa.com/2008/10/14/on-children-contraception-and-choices/

    You may have read it. We talked about it, prayed about it, and decided it would be wise to trust God to decide when our next baby is conceived. If we truly aren’t ready to have a baby, God will know that and won’t give us one yet. We haven’t told our families that because, like yours, they wouldn’t approve. Jordan’s parents especially.

    Since my parents almost didn’t have me (the doctors told my mom she couldn’t get pregnant, and she was 37 when I was born) if they had waited any longer to try I might not be here. It’s hard for me to think about using birth control for years at a time, because I am Presbyterian and believe in predestination. Each pregnancy results in a unique person. If I go against God’s will and resist becoming pregnant, I feel I will miss out on a child I was meant to have. It goes back to the scripture you quoted above.

    It’s just pathetic when pregnant women can’t count on their families to be happy for them. I know how it feels to find out you’re pregnant and worry what people are going to say. There is absolutely no reason for that when we are married and are doing exactly what God wants us to do!

  12. Good post. I agree, babies are born exactly when they need to be. For my husband and me, if we are blessed with children, that’ll be later on, after we have accomplished some things both financially (paying off consumer debt) and personally (traveling). (Things could change on any day, so you never know ;)) While we are both looking forward to being parents one day, we both feel strongly about this. Like ashley@twentysixcats discusses, we have been making decisions with our possible children in mind: paying off debt, not going out getting new car loans if we could help it and driving older models, setting up savings, living below our means, getting a house that we can afford on one income, etc.- “setting up our house”, as it were, for our future family.

    Sarah F.’s last blog post..Two more people crossed off my gift list!

  13. So well said, Kacie. If we all waited until the “perfect” time, none of us would have kids. Our baby #2 came along at a not so opportune time for us but I can’t imagine not having him and you work out the details necessary. It’s easy to get caught up in how much kids cost but kids really are only as expensive as you let them be. I remember someone telling me when I was about 20 to wait until I was rich to have kids. I’d still be waiting. Not everything is a financial decision. yes, you should be able to provide basic needs and even a few wants here and there but brand new designer clothes and fancy nurserys and college paid for before the baby even pops out is not necessary.

    Emily@remodelingthislife’s last blog post..Simple Holiday Decorating

  14. AMEN! From a mom of six (and counting!) babies born right when God wanted them to be!

  15. From the DAD’S side of the equation, I agree with you 100%. My three children are a blessing, even the teenage girls! The first one was a surprise and the second one was a HUGE surprise since she was conceived only three months after her older sister was born.

    We did plan my son, but no matter what, he was a wonderful gift from God.

    Your baby, your husband, and you are part of God’s big plan and His timing is always perfect.

    Ron@TheWisdomJournal’s last blog post..The Financial Apocalypse According to the Media

  16. I have to say that I agree with you. I found out I was pregnant with #2 about 2 weeks after we bought a new house, and about 2 weeks before we found out my husband was deploying to Iraq. I know this sounds really strange, but I wouldn’t have had it any other way. I spent the majority of my pregnancy alone (with a 3 yr old)while hubby was doing the train-up. He did get to come home the day our son was born, and was home for a couple days, then left and literally was in Kuwait within hours of leaving home. Our son was less than 2 weeks shy of his first birthday when hubby came home. I look back on it now, and I needed the craziness of a baby and a 4 year old to keep me busy enough to get thru an 18 month deployment.

    So, yes…babies come when babies are supposed to, and you’ll never convince me otherwise. We have now spent a year trying for #3, and so far it hasn’t happened. But we are ready whenever it does happen – I just hope another deployment isn’t on the heels of another baby! But I made it thru once, I’d make it thru again!

  17. You are so right! We grow up in a society where everything is supposed to be “planned”. Needless to say it does not always work that way and you need to be flexible. A gal at work was telling me about a friend who had not “planned” either one of her two kids, and how she thought that was so awful. She has no kids. But her friend is just fine. I have been there to! Some of the best things in life just “happen”. And it will work out, sometimes it is hard but it does work out and you are a better person because of it.

    I will admit that I would have liked to been a little better of financially at the time, but I quess if I would have waited till I thought I was financially ready, I probable would still be waiting.

    rdzins’s last blog post..My Soda addiction

  18. Thank you, Kacie, for the beautiful post. I would be sobbing if my DH were not in the room–I’m not sure if I could explain it to him!! But I am crying (quietly!).

    I have an almost-four-week-old. And my DH is still in school. We live in a tiny condo. I have to go back to work to make ends meet. But I would not trade her for the world! My parents had me when my dad was still finishing his undergraduate degree in night school. And I might not be me if they had waited!!

    Anyway, I know this is incoherent–blame it on sleep deprivation–but well said.

    Jessie

    Vanderbilt Wife’s last blog post..Oh My

  19. Preach it! Our first was a complete surprise, but we were able to prepare financially for him – saved TONS of money. Good thing, too, because 3 months later my husband was in an accident and has now been unemployed for 9 months. Well, not exactly, he has a part time minimum-wage job at a pizza place. We are moving in with my parents next month in a bigger city, hoping to find a better job. And, I just found out we’re expecting again! We both just laughed when we found out. But we’re not really that worried, at the moment. Everyone is alive and healthy and God has taken care of us so far. And if I were in charge of the plans, we wouldn’t have any kids right now or see any point in the near future when we could plan to, and I would be really sad about that.

  20. My husband and I did wait. We paid down our debt, moved up in our careers, launched a successful business, had several years of marriage under our belt and then tried to get pregnant. And tried. And tried. And tried. We wound up going through countless cycles of fertility treatments. We are blessed to have our 5 year old twins now and I suppose I would not change a thing because without all we went through we would not have them.

    All that financial security building went down the tubes recently. My husband had to close his business last year, we no longer have any savings, we are now in debt up to our eyeballs (really way over our eyeballs but that is another story), and have had to start new businesses to make ends meet. It has been stressful to say the least.

    Even with the stress, our family has thrived because we love each other and we have had to not just say but also live as if money is not the most important thing. You are right children do not need fancy clothes and lots of toys. They need love and attention and our children are very “rich” in the love and attention department.

    Eventually, we want to grow our family. We want to have more children but cannot afford the fertility treatments and cannot get pregnant without them. We also cannot afford adoption right now so no choice at all but to wait. Maybe if we had started trying to get pregnant when we were 25 rather than over 30 it would have been easier. I know without a doubt it would have been easier than my current age of 38.

    The point is, you can plan and plan and plan for the “perfect time” to have children and all those plans can change in the blink of an eye. While I would not do things differently because without it all I would not have my precious children, I would encourage younger women to learn from my past and current situation and not wait for the perfect time to get pregnant.

    Great article!!

    Jen @ JenuineJen’s last blog post..Thankful for My Friend Karen

  21. I totally, completely agree with you in every possible way. You have said it so perfectly too!

    Hubby and I have 2 kids, ages 2.5 years and 10 months, and we have a far from “perfect” financial situation. We have a mortgage, a car payment, student loans and credit card debt.

    Sure, we’d have been able to pay off those debts and add to our savings more quickly if we didn’t have kids. But so what? Really? What difference would that really make in our daily lives now? I don’t think any difference at all.

    And you know what? We’re doing just perfectly. I love my life. And I can’t imagine it any other way and certainly wouldn’t change it.

    We made the right decisions at the right time for US, not for our wallets or for anyone else.

  22. I’m going to have to respectfully (and only partially) disagree.

    First off, as the daughter of a woman who was only 20 when she had me, there is definitely a good time to have kids.

    Don’t get me wrong, I’m thankful that I’m alive. But I’ve known a few other kids of very young parents and it does matter. There are boundary issues.

    But that’s not really what we’re talking about, so I’ll move on to my main point:

    I get really irritated when I hear people say loftily, “Oh, no one can ever REALLY afford a kid.” Puh-leez!

    There are most certainly people who can afford a kid. Not nearly as many who have ’em. But they exist!

    And for people in anything like my current position — my husband is on unemployment and working with the Dept of Vocational Rehab to figure out what he can do, given some health problems; I’m on disability and only finally working part-time from home — there are certainly better times to have a kid. We have $12,000 in credit card debt — mainly from health issues and fun such things as that — though we finally finished paying off hubby’s student loans this past fall.

    So we are waiting a little bit to have a kid — also because we just got married in May and I’d like at least a year or so of being a wife before I have to learn to be “mommy.”

    For this reason, we’re taking precautions. I’m on birth control. Because we want to be able to choose a bit more when we have a kid. Not in the least because my disability involves severe fatigue. So I can’t work part-time and deal with our current levels of debt and an infant.

    That said, accidents happen. And if we were surprised by a pregnancy, well I doubt we’d look a gift horse in the mouth. We’d be very very worried but we’d figure something out and celebrate the exciting event.

    Abigail’s last blog post..Just say no (to buying): 6 ways to not go overboard this holiday

  23. I agree with you for the most part–but I also think God calls us to use wisdom and discernment. If I am so deeply in debt that I cannot afford to be home with my new baby and must put him in daycare to pay off that debt, is that really “loving” my baby as much as I possibly can? I would rather work for a few years, pay off that debt, and be in a better financial situation so that I can stay home and RAISE my baby!!

    No, there isn’t a perfect time but there IS common sense. And, yes I acknowledge that God can and will provide our needs and that if he chooses for me to have a baby, he will meet those needs. The sad truth is that he also lets us reap the consequences for our poor decisions and putting my newborn in daycare because I have made poor financial and family planning decisions is not a “consequence” I am willing to endure.

    And, no, I don’t think you need a certain amount in the bank or a certain standard of living to start a family but if your financial situation is such that mom “has” to work, it’s not the right time.

  24. Very interesting!! We’re kind of in the middle. :) We waited until my husband was out of grad school and we had insurance before starting our family. Its a very interesting topic! I love to hear different people’s perspectives. Kids need love, shelter, food, and comfort basically and the rest is just ‘fluff’.

  25. I have to agree with Jen above. Sure, you don’t need to be rich to have a baby, but if your financial situation is dire, really dire, then it’s a bad time to have a kid. She made a very good point- if you’re so poor that you’d have to put the kid in daycare immediately so you can go back to work, then you’re doing your baby a real disservice.

  26. Very interesting. I have to agree and disagree. I don’t know if there is a “perfect” time. I know we tried to time it for when my husband was finishing grad school. Then I got laid off and ended up with a new job working daily with harmful chemicals.

    Well, that certainly wasn’t the right time. I would have considered it to be extremely dangerous and childish to risk it.

    Fast forward 4 years later when I’m able to adjust my work load to get away from the chemicals…and then it ends up taking 1.5 years to get pregnant.

    My best friend said “since it was so hard for you the first time, you probably don’t have to worry about birth control”, um, not playing that game.

    I guess I feel that we are given a brain to think for ourselves. By no means do I think that you need to have X, Y, and Z before having a baby. I think that it will depend on the person, and that a roof, food, clothing, and health insurance are basically all you need to provide.

    If you are on welfare, then you shouldn’t be having more kids. But if you are self-supporting, even if it’s a very “modest” lifestyle, then it’s completely your decision.

    I’m an atheist, so “god’s will” never entered the equation for me.

  27. Good post. I’ve been away from your blog a little, but I’m catching up some today. Maybe you’ll get a “frugal” baby overdue by a few days and win some “New Year’s Baby” stuff!! Hope you are feeling ok still.

    Lisa’s last blog post..How we are “catching up” on the AO curriculum

  28. Very good post, Kacie. Sorry you had to deal with any negativity when you announced your pregnancy. What’s that rule about not being able to say anything nice….?

    I totally agree; hubs and I married straight out of college. We did wait, not because of financial concerns (not what drives us) but because he had 5 years to serve in the Navy. Military life is tough on families and we were young enough to gamble with waiting.

    Once he was done, we had 3 in 4.5 years. {!}

    Every child is a blessing and should be treated as such, not as a financial burden. But if you feel you need to wait before having children, you shouldn’t be judged. Nor should you be judged if you have a “honeymoon” baby.

    Well-written!

  29. Children are never convenient, or affordable, no matter how well you think you have planned. We give them everything we have whether we have a little or a lot.

    As far as the December baby goes… and the January hubby, too, for that matter… it is challenging to make them feel special around the holidays. It is very easy for their day to be swept up in the hurried holidays. But just by being aware of that, and making sure that we still look forward to JJ’s birthday, not just Christmas, helps. Still, it is staggering the difference that everyone pays to the June birthday of his brother. But nothing that I can do about that, we are born when we are born and it is just another factor that makes us who we are.

    And just for fun *heh* our first was born about a year and a half after we married, second 18 months later and now after 10 years of marriage, #3 will be here in April… so much for planning anything… either we were too young or we are now too old, what do they know? Blessed all around, just the same.

    heather’s last blog post..Impatiently Paitent

  30. Personally, I think when people announce a pregnancy and others (family, friends, whoever) don’t think it’s a good idea, they should just keep their mouths shut.

    That being said, I will say that as a single woman I made a deliberate but very difficult choice not to have children, even though I really wanted one, and the primary reason was finances. I knew that I would not be able to support a child the way I wanted to when I was the only earner and the only caregiver, not because I think kids need lots of stuff, but because I know (having grown up in a single-parent household) that kids really do need a lot of security and that includes financial security. People shouldn’t think for a minute that raising a child in a home that offers a lot of love but is still a financial house of cards has no effect on the child. Those of us who grew up in homes that were financially shaky know that those times have far-reaching effects on us.

    I also don’t think it’s fair to pin our decisions on God and say it’s all up to him. We have free will and brains to make choices with. Pregnancies sometimes happen by accident and that doesn’t make them a bad thing. But that also doesn’t mean that we shouldn’t plan and take responsibility for our life choices.

    I also found myself wondering as I read through the other comments, do those who feel that all children are born when God wants feel the same way about children born to single parents? To gay parents? If so, why is our society so condemning of those families?

  31. My birthday is December 25, and I love it! People always assume that being a Christmas baby is lousy, but really, it’s great. You’ll have to make an extra effort to make the birthday special, but believe me, it’s wonderful! So no worries if your kiddo is born then. :-)

    Oh, and congratulations!

  32. I also agree with you on this topic.

    My firstborn came at the worst possible time, financially, for us. We went from two incomes to one, were broke & wanted to get the car, the credit cards and the student loans paid off first. But it didn’t happen that way. Having a child became more important than money and it was being a parent, that taught me how to better manage / prioritize our finances.

    I learned how to be frugal and it is the frugalness that I have carried with me all these years that enables us to do & have things we wouldn’t normally. I am still very frugal and my kids never knew we were poor for many years. Now that my kids are older they know we have certain rules about buying things (coupons, sales, comparison shopping) and they love helping me.

    I just can’t imagine my life any other way… without my kids coming when they did I imagine we’d be less appreciative, more wasteful, and certainly poorer overall.

    My brother and his wife want kids but they are saying they want to wait because they can’t afford it. I may never get a niece or nephew!

    Jamie’s last blog post..Crafts & Stuff

  33. No one is going to say that they regret having their children, but I do think parents need to take their situation into account and be responsible. It doesn’t mean you have to have all of your debt paid off or a fat savings account, but I’ve seen what kinds of conditions some “happy accidents” have grown up in, and the uncertainty and unstableness could have been avoided had the parents been more responsible. Kids need some stability in their lives. Not all young parents are ready to be adults and give that to them.

    I don’t think I want kids until I’m about 30, so in the mean time, we’re getting all of our financial ducks in a row. I’m not waiting because of finances, I’m waiting because I don’t feel ready yet. So I figure, while waiting, I might as well be preparing, too. It’s not a requirement, but it will let me enjoy motherhood more and sleep better at night…since I hear sleep is hard to come by as it is!

  34. I don’t think you can ever be totally ready. I’m certainly not–and I’m due any day now, lol!

    I have prepared as much as I can. Now, I just have to take things a day (or an hour) at a time and trust that things will be fine.

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Hey! I'm Kacie, wife to Shane and mother to Jonathan (7), Vivienne (5) and Amelia (2) . I write about my family's finance: how we save money, improve our spending, and plan for the future.

I hope I can inspire and encourage you to improve your situation. See disclosure.

I'm adopting a much slower-paced posting schedule, and treating this as a hobby blog now.

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