Now that I am on the brink of returning to work, I can start to assess where we have been financially as well as where my income will take us. For the first 3.5 months of the twins’ lives, Husband stayed home on “paternity leave.” Actually a lot of it was accrued vacation time, and then it became unpaid. He went back to work with a new job, and took a slight pay cut for less stress and better hours. I stayed home starting at 28 weeks gestation, so really I was only around for the first month and a half of last school year. After that there was disability, and then unpaid FMLA (but we kept our insurance). I had no idea what things would be like financially after all of that, but surprisingly we’ve come through just fine. Getting the new minivan actually saved us a little money, since the payments and insurance are cheaper than the previous leased BMW, our tax refund helped quite a bit, and of course now that Husband is back at work we have the steady income again.
My working will necessitate some childcare costs though. I will be back to subsidizing my mom for watching the twins, and Toddler’s preschool will be a new expense. My income will be further reduced by the rising cost of health insurance (with the addition of two more family members we also need the next tier of coverage). But I think we’ll do alright. Probably not going to be socking away any impressive amount for that new house we’re dreaming of, but we’ll be okay.
Nevertheless, maybe we should cut back on some things just in case. Although we’re not extravagant spenders in general, we could probably do without spending so much on take-out and junk food. But some things we spend on are really worth every penny.
We have a cleaning lady. She comes every other Thursday for a few hours and cleans everything we don’t want to clean. A long time ago, Husband and I decided it was worth it to get someone to do it for us when we were spending way too much time and energy arguing about who cleaned what when and how often. We go shoeless in our house, but with 3 young children now running, crawling, and rolling all over the place, the floor needs to be very, very clean. Half our house is floor, half carpet. The floor part needs to be swept and steam mopped. The carpet vacuumed. Just this alone is a 2-3 hour endeavor with all the moving around of baby equipment and stuff that’s strewn all over the place. That’s time we’d rather spend with our kids, not arguing (about cleaning anyway) or getting sweaty mopping floors. I still do our dishes and laundry, and Swifter just about every other day, but no floors/kitchen/bathrooms! Hurray! Best money spent, in my opinion, if you’re able to find someone you can trust.
I’m not much of a cook. In fact, the only meal I actually enjoy making is breakfast. I can do eggs well, several different ways. Toast, pancakes, waffles, fruit, muffins, all good. The other meals? Forget it. One meal a day is enough. I don’t do meal planning, no good at grocery shopping, can’t handle the prep and cleanup. I just don’t like it. That’s why ready-to-eat is made for me. I love the meal-in-a-bag types. And the casserole style ones are great too. I do a biweekly trip to Costco, and maybe weekly to Trader Joe’s or other market for our fruits and vegetables. To be honest we rely quite a bit on our parents and take out as well. I know we should be more focused on nutritious fresh food for our family, but it’s so. much. work. I don’t know how other people do it. I once tried a prepared meal service for a summer, where I would go once a month to a location where recipes and ingredients were provided, using which I would assemble many meals at once, and then take them home to freeze and just pull out and cook. That still wasn’t convenient enough for me. Oh well, can’t be great at everything. What works for now is pop in the oven or microwave and eat. Perhaps I should look into using a slow cooker.
I am an Amazon Subscribe and Save member, as well as an Amazon Mom and Prime member. Though Amazon makes it way too convenient to buy other random stuff we don’t need, the discounts, two day shipping, and recurring delivery features can’t be beat. Besides the obvious diapers for two, I’ve bought baby food, jumpers and swings, feeding accessories, toys, teethers, bathing supplies… almost everything baby (and toddler) in our house is from Amazon, except for clothes and strollers. Especially in the early days, getting out the door was an effort of heroic proportions, and getting a delivery of necessities at home was a lifesaver. A click gets me something on my doorstep in two days, sometimes even as fast as the next day. With their generous return policy, selection beyond compare, and ratings from other buyers, who needs to acutally go to a real store these days? (I see that they’re doing groceries now too– need to check it out!)
What other sanity saving ways do you spend your hard earned money?