Baby Anxiety??

[photogirl0180]

I have baby fever bad. I've even been recently having dreams about having kids. I feel so torn. We have an OK savings but I still think its not enough. Yes we have a home. Yes we both have jobs. Yes we have health insurance Do you think its smart to have a baby if you aren't completely financialy stable??

Comments

[sweetemmjay]

Hi Chrissy!!

I don't think there is anything wrong with wanting to have a baby now. Homes, jobs, health insurance...all very necessary. What is complete financial stability anyway? With pregnancy and a child come responsibility and rearanging your priorities, instead of buying that one thing for yourself or going out to dinner a few times a month, you just dont. You use that money for your child. I personally think the mentality of waiting for the next best thing or the perfect situation is dangerous....what if the "perfect storm" never comes?

P.S. don't let my icon fool you. I am not pregnant. Just using some LJ communities to do a little business research for www.terrababy.com.

be well lady!
xoxox

[babyogg]

I couldn't agree more with this!
Ha... what is financial stability I say as we're brewing kid #3.... lol.

[photogirl0180]

I've made some bad decissions in my life. I just don't want to screw up this one. I'm trying to let go and let it happen naturally but i'm a planner. Ed would have had me prego like 6 months ago if he had the chance. I keep telling him that we are not ready but it's not so much that i'm not ready but I'm really scared!

[babyogg]

What are you scared of exactly?
Being pregnant is the easy part compared to child rearing...
I mean, it takes sacrafice, big time. It's no longer about you - it's about this little one(s). I get so sick of "Me time" complaints... from these self proclaimed "moms". I'm sorry but I didn't have a baby to have more "me time" - I'll get that when they're out of the house.

[photogirl0180]

It's not so much the being pregnant part it's the child rearing part. I want to be able to provide a great life. It really has nothing to do with "me time" I can't wait to be a mom. I'm so at the point to give myself completely to being a family. I just don't have the confidence on the money side of things. Good daycares. Doctor bills. I'm now working six days a week just to save up to have a baby but Ed had to take a salary cut at work so I just feel like we are square one again. I know I always have family to fall upon in case things get bad but I don't want to.

[babyogg]

Understandable.
Maybe you could do this... go ahead and do a spending plan where you figure out how much daycare will cost. Then figure out if it's cheaper for one of you to stay at home. You don't need a lot of "stuff" for a baby... you really don't.

How's your insurance? Call ahead and find out how much your deductible is and then how much co-pays are (usually there's only one copay for OB visits) and then find out how much they pay for L&D.

With Hannah's birth & Lily's it was a $10 TOTAL (read: one) copay for all my visits to the OB and then only $250 for my copay for my hospital. I had 100% coverage. Now with this new insurance I pay 10% for maternity care, so it's more out of pocket with this one which sucks.

[photogirl0180]

My insurance is really good but it is kind of up in the air right now. We are on a small business plan and we just had to drop some people. So hopefully they just don't decide to drop all of us! Which was brought up. Ed's insurance is ok. I'm not too sure about the L&D side of things if I had to go on his plan but I will so look into it.

Daycare is pricey around here. I know for awhile his mom would come and help us out after the first 6 weeks but she is disabled and I'm worried because she isn't too quick on her feet. She walks with a cane and it just makes me nervous. I guess i'll think about all this now but not really worry about till I'm actually pregnant.

[babyogg]

Totally all makes sense. I would be more worried about the mother in law if she was baby sitting a mobile child, ya know?