aprilz81
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Post by aprilz81 on Dec 19, 2017 8:28:39 GMT -6
I have all of our bills paid (yeah, but OUCH). Our credit card bill is out of control with the bathroom remodel, baby prep and Christmas (even though all of this was budgeted). Our savings is a lot lower than I would like and I'm seriously thinking about cashing out a mutual fund in January to pay off most of our home equity line (most bathroom expenses are on that) even though we would lose about 20% of the value due to taxes. Having our HELOC paid way down will make our payments lower and shorter duration and then our tax refund will help replenish our savings. I just don't want that budgeting stress on top of prepping to pay for daycare payments and having 6 weeks of unpaid leave. I just don't want to be stressed once Faith arrives.
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sarahh
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Post by sarahh on Dec 19, 2017 8:43:23 GMT -6
I just got out of my final OB appointment. My cervix is soft but not dilated. And the baby's head is super low - like right behind my C-section scar. The doctor doesn't want me to do much walking to ensure I can make it to next Thursday. I can't believe that was my last appointment with an inside baby! DH is starting to feel the pressure that I've been feeling for weeks now which is good and may get him to step up and help me get organized.
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Post by Deleted on Dec 19, 2017 8:49:57 GMT -6
I have all of our bills paid (yeah, but OUCH). Our credit card bill is out of control with the bathroom remodel, baby prep and Christmas (even though all of this was budgeted). Our savings is a lot lower than I would like and I'm seriously thinking about cashing out a mutual fund in January to pay off most of our home equity line (most bathroom expenses are on that) even though we would lose about 20% of the value due to taxes. Having our HELOC paid way down will make our payments lower and shorter duration and then our tax refund will help replenish our savings. I just don't want that budgeting stress on top of prepping to pay for daycare payments and having 6 weeks of unpaid leave. I just don't want to be stressed once Faith arrives. Money is stressing me out so much right now and then yesterday my hospital called and I guess now they are requiring prepayment of estimated delivery charges. Goodbye, $3500 😭
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Post by Deleted on Dec 19, 2017 8:52:04 GMT -6
My RLP is out of control today. It feels like someone is stabbing me in the belly. I can't move without gasping. I hope it goes away soon.
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Post by yellow711 on Dec 19, 2017 8:52:59 GMT -6
I have a fear there will be a bad snow storm when I go into labor and can’t make it to the hospital.
Is this irrational or anyone else have that fear?
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Post by yellow711 on Dec 19, 2017 8:55:41 GMT -6
I have all of our bills paid (yeah, but OUCH). Our credit card bill is out of control with the bathroom remodel, baby prep and Christmas (even though all of this was budgeted). Our savings is a lot lower than I would like and I'm seriously thinking about cashing out a mutual fund in January to pay off most of our home equity line (most bathroom expenses are on that) even though we would lose about 20% of the value due to taxes. Having our HELOC paid way down will make our payments lower and shorter duration and then our tax refund will help replenish our savings. I just don't want that budgeting stress on top of prepping to pay for daycare payments and having 6 weeks of unpaid leave. I just don't want to be stressed once Faith arrives. Money/bills are so stressful. Not a fun part of being a grown-up.
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Post by Deleted on Dec 19, 2017 8:55:49 GMT -6
I have a fear there will be a bad snow storm when I go into labor and can’t make it to the hospital. Is this irrational or anyone else have that fear? It is only irrational if you live in Florida or something 😂 luckily our hospital is only 5 minutes away so I am not too worried but I definitely think it is a normal fear! It always makes for a good story after baby comes though.
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Post by yellow711 on Dec 19, 2017 8:58:33 GMT -6
I have a fear there will be a bad snow storm when I go into labor and can’t make it to the hospital. Is this irrational or anyone else have that fear? It is only irrational if you live in Florida or something 😂 luckily our hospital is only 5 minutes away so I am not too worried but I definitely think it is a normal fear! It always makes for a good story after baby comes though. I would love Florida weather in the winter!!!!
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cake
Gold
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Post by cake on Dec 19, 2017 9:06:37 GMT -6
I have all of our bills paid (yeah, but OUCH). Our credit card bill is out of control with the bathroom remodel, baby prep and Christmas (even though all of this was budgeted). Our savings is a lot lower than I would like and I'm seriously thinking about cashing out a mutual fund in January to pay off most of our home equity line (most bathroom expenses are on that) even though we would lose about 20% of the value due to taxes. Having our HELOC paid way down will make our payments lower and shorter duration and then our tax refund will help replenish our savings. I just don't want that budgeting stress on top of prepping to pay for daycare payments and having 6 weeks of unpaid leave. I just don't want to be stressed once Faith arrives. Money is stressing me out so much right now and then yesterday my hospital called and I guess now they are requiring prepayment of estimated delivery charges. Goodbye, $3500 😭 Is this normal to prepay for medical bills?! I’m a big fan of the Canadian system lol
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Post by Deleted on Dec 19, 2017 9:15:44 GMT -6
Money is stressing me out so much right now and then yesterday my hospital called and I guess now they are requiring prepayment of estimated delivery charges. Goodbye, $3500 😭 Is this normal to prepay for medical bills?! I’m a big fan of the Canadian system lol Other people can maybe speak more to this than I can. All three times I have had to prepay my estimated out of pocket to my OB/GYN for prenatal care, delivery, and postnatal checkup. Both times it was around $600 and I received $100-200 back after baby was born as an overpayment. With DD2 I got a call from the insurance company letting me know how much they estimated I was going to have to pay but I didn't have to pay it until billed. With DD1 I was totally clueless until the bills showed up.
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Post by hiimjamie on Dec 19, 2017 9:17:33 GMT -6
Welp. This was supposed my last week of work but MetLife is denying the claim bc my doc said I’m fine to work. I discussed wanting to stop now with them but apparently it’s not medically necessary so they won’t sign off on it. They also wouldn’t allow me extra time off when i had my son when i asked bc it wasn’t medically necessary. Apparently the really play by the book. I’m just so over it and was mentally prepared to work past this week. I’m so disappointed. This also screws me bc I won’t have enough hours worked in April to be eligible to participate in the next shift bid at work which means I’ll get put in a secondary bid and have to work 11:30-8. I can’t do that with an infant and a 2 year old. I won’t see them.
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sarahh
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Post by sarahh on Dec 19, 2017 9:21:34 GMT -6
Is this normal to prepay for medical bills?! I’m a big fan of the Canadian system lol Other people can maybe speak more to this than I can. All three times I have had to prepay my estimated out of pocket to my OB/GYN for prenatal care, delivery, and postnatal checkup. Both times it was around $600 and I received $100-200 back after baby was born as an overpayment. With DD2 I got a call from the insurance company letting me know how much they estimated I was going to have to pay but I didn't have to pay it until billed. With DD1 I was totally clueless until the bills showed up. This is the same for my insurance. I paid my OB around $600 over 6 months to cover my prenatal care, C-section and after care. With DD I paid around $800 and didn't get any back but I hadn't met my deductible with her. I will get bills after for the hospital, anesthesiologist and pediatrician. Last time my hospital bill was only like $300 (before insurance it was like $12k) so I am planning on around that same amount this time.
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pinkcat
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Post by pinkcat on Dec 19, 2017 9:26:22 GMT -6
That's a bummer hiimjamie- I hope something is able to get worked out! I had an OB appt. this morning and all looks good. Baby moved to head down (yay!), and is measuring right on track. I did find out that since we did IVF I will be considered high risk after 34 weeks, so I'll have weekly ultrasounds or NSTs each week. She said not to be worried though so I am just looking at it is more time I get to see baby! We did our birth class and hospital tour this weekend and I was surprised by how nice the birth suites are- they are huge! Seeing them made this all start to feel very very real.
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Post by Deleted on Dec 19, 2017 9:27:34 GMT -6
Welp. This was supposed my last week of work but MetLife is denying the claim bc my doc said I’m fine to work. I discussed wanting to stop now with them but apparently it’s not medically necessary so they won’t sign off on it. They also wouldn’t allow me extra time off when i had my son when i asked bc it wasn’t medically necessary. Apparently the really play by the book. I’m just so over it and was mentally prepared to work past this week. I’m so disappointed. This also screws me bc I won’t have enough hours worked in April to be eligible to participate in the next shift bid at work which means I’ll get put in a secondary bid and have to work 11:30-8. I can’t do that with an infant and a 2 year old. I won’t see them. Ugh, I am sorry :-( why does working now affect your hours in April? How many more hours would you need to work to be eligible to bid? Could you go back a week or two earlier than intended at PT hours perhaps?
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Post by hiimjamie on Dec 19, 2017 9:33:01 GMT -6
Welp. This was supposed my last week of work but MetLife is denying the claim bc my doc said I’m fine to work. I discussed wanting to stop now with them but apparently it’s not medically necessary so they won’t sign off on it. They also wouldn’t allow me extra time off when i had my son when i asked bc it wasn’t medically necessary. Apparently the really play by the book. I’m just so over it and was mentally prepared to work past this week. I’m so disappointed. This also screws me bc I won’t have enough hours worked in April to be eligible to participate in the next shift bid at work which means I’ll get put in a secondary bid and have to work 11:30-8. I can’t do that with an infant and a 2 year old. I won’t see them. Ugh, I am sorry :-( why does working now affect your hours in April? How many more hours would you need to work to be eligible to bid? Could you go back a week or two earlier than intended at PT hours perhaps? I have to work 80 hours for the month to count. Bc I’m going out on 1/10 vs 12/25 I’m working further into April (I get 16 weeks off) so I will not have worked 80 hours in April. They won’t let me work PT. I could go back early and lose the rest of my leave time.
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Post by Deleted on Dec 19, 2017 9:40:10 GMT -6
Ugh, I am sorry :-( why does working now affect your hours in April? How many more hours would you need to work to be eligible to bid? Could you go back a week or two earlier than intended at PT hours perhaps? I have to work 80 hours for the month to count. Bc I’m going out on 1/10 vs 12/25 I’m working further into April (I get 16 weeks off) so I will not have worked 80 hours in April. They won’t let me work PT. I could go back early and lose the rest of my leave time. How long would you be working the crappy shift if you went back as planned? If it was a month or longer I would probably sacrifice 2 weeks of leave in order to have a more manageable schedule but it is definitely a shitty situation, sorry you are dealing with that :-(
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Post by hiimjamie on Dec 19, 2017 10:02:22 GMT -6
I have to work 80 hours for the month to count. Bc I’m going out on 1/10 vs 12/25 I’m working further into April (I get 16 weeks off) so I will not have worked 80 hours in April. They won’t let me work PT. I could go back early and lose the rest of my leave time. How long would you be working the crappy shift if you went back as planned? If it was a month or longer I would probably sacrifice 2 weeks of leave in order to have a more manageable schedule but it is definitely a shitty situation, sorry you are dealing with that :-( 6 months. The whole situation is shitty. I guess I’ll probably go back to work early. I definitely can’t work until 8. I won’t get home until 9. I can’t make Wife be a single parent. It’s not fair.
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Post by Deleted on Dec 19, 2017 10:08:24 GMT -6
How long would you be working the crappy shift if you went back as planned? If it was a month or longer I would probably sacrifice 2 weeks of leave in order to have a more manageable schedule but it is definitely a shitty situation, sorry you are dealing with that :-( 6 months. The whole situation is shitty. I guess I’ll probably go back to work early. I definitely can’t work until 8. I won’t get home until 9. I can’t make Wife be a single parent. It’s not fair. It definitely is not sustainable. DH worked night shift the first year or so of DD1's life while I was working FT and it almost ruined our marriage :-( hugs to you.
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Post by hiimjamie on Dec 19, 2017 10:15:56 GMT -6
6 months. The whole situation is shitty. I guess I’ll probably go back to work early. I definitely can’t work until 8. I won’t get home until 9. I can’t make Wife be a single parent. It’s not fair. It definitely is not sustainable. DH worked night shift the first year or so of DD1's life while I was working FT and it almost ruined our marriage :-( hugs to you. Yeah I’ve been working until 7 and getting home at 8 for the last 6 months and that’s been really really hard on us. I can’t imagine adding another hour and a second baby to that.
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aprilz81
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Post by aprilz81 on Dec 19, 2017 10:16:05 GMT -6
I have all of our bills paid (yeah, but OUCH). Our credit card bill is out of control with the bathroom remodel, baby prep and Christmas (even though all of this was budgeted). Our savings is a lot lower than I would like and I'm seriously thinking about cashing out a mutual fund in January to pay off most of our home equity line (most bathroom expenses are on that) even though we would lose about 20% of the value due to taxes. Having our HELOC paid way down will make our payments lower and shorter duration and then our tax refund will help replenish our savings. I just don't want that budgeting stress on top of prepping to pay for daycare payments and having 6 weeks of unpaid leave. I just don't want to be stressed once Faith arrives. Money/bills are so stressful. Not a fun part of being a grown-up. Nope, not at all. We have different accounts we could pull from in an emergency so I know it is kinda silly to be stressed out over this, but I am. I need to talk to DH about our plan when he gets home this evening, hopefully he is in a good mood. He doesn't want to cash out the mutual fund, he doesn't want to stop our ROTH IRA contributions for one year, he doesn't want to cash out some non invested dividends (basically free money because we've already paid taxes on it) but we are going to have to do SOMETHING to make sure that we have the cash on hand to pay labor and delivery fees and have some money in savings. Not to mention we are going to have to adjust our budget in January based on starting flexible spending accounts for medical and child care withdraws (granted we get that back but not until we start using it). And we are going to have to "find" about $700 a month extra for daycare in our budget. DH started a new job back in September with a hefty raise and we never adjusted our spending knowing that we would need that money for daycare, so that is nice. That money has been rebuilding our cash cushion in our checking account between then and now and it will now go towards daycare. And of course we don't know what the tax bill is going to do with our checks either, even if it passes this week I don't think companies will have enough time to alter their payroll before January 1st so that will be another adjustment to make (but this one should be to our benefit a little). I wish the inlaws would just give us some of our inheritance a bit early. lol
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aprilz81
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Post by aprilz81 on Dec 19, 2017 10:19:38 GMT -6
How long would you be working the crappy shift if you went back as planned? If it was a month or longer I would probably sacrifice 2 weeks of leave in order to have a more manageable schedule but it is definitely a shitty situation, sorry you are dealing with that :-( 6 months. The whole situation is shitty. I guess I’ll probably go back to work early. I definitely can’t work until 8. I won’t get home until 9. I can’t make Wife be a single parent. It’s not fair. Sounds like they are penalizing you for being pregnant. If someone were out of work for a surgery would they be able to keep their "status" or whatever you call it?
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aprilz81
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Post by aprilz81 on Dec 19, 2017 10:24:36 GMT -6
Money is stressing me out so much right now and then yesterday my hospital called and I guess now they are requiring prepayment of estimated delivery charges. Goodbye, $3500 😭 Is this normal to prepay for medical bills?! I’m a big fan of the Canadian system lol It probably depends on the insurance, but I've never been forced to prepay. My OB prefers that patients make monthly payments (they estimate expenses based on insurance rates & deductibles) but we elected to pay it all at once at the end. I will be on DH's insurance starting in January and I can't find out how much delivery is going to cost us. It would have been about $3,500-$4,000ish on my insurance but he has a higher deductible and higher out of pocket max than my plan, BUT since Faith will be added to that plan as well in the long run it will be about the same. If I had stayed on my insurance we would have had my $3,500ish bill plus a bill for her hospital care. Plus since this will all happen in January we will have hit our deductible (or at least most of it) in month 1 of the year so if Faith gets sick we won't be paying full price in July or whatever... I also hate figuring out insurance almost as much as I hate paying bills.
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Post by hiimjamie on Dec 19, 2017 10:30:52 GMT -6
6 months. The whole situation is shitty. I guess I’ll probably go back to work early. I definitely can’t work until 8. I won’t get home until 9. I can’t make Wife be a single parent. It’s not fair. Sounds like they are penalizing you for being pregnant. If someone were out of work for a surgery would they be able to keep their "status" or whatever you call it? Regardless of your reason for being out, if you don’t work 80 hours the month doesn’t count. Even if it’s vacation. So at least it’s not a pregnancy only thing.
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aprilz81
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Post by aprilz81 on Dec 19, 2017 10:40:24 GMT -6
Sounds like they are penalizing you for being pregnant. If someone were out of work for a surgery would they be able to keep their "status" or whatever you call it? Regardless of your reason for being out, if you don’t work 80 hours the month doesn’t count. Even if it’s vacation. So at least it’s not a pregnancy only thing. I guess that is good, but that still sucks. I would probably skip the last two weeks of leave so you can get a better schedule in the long run it is probably better, still sucks, but better.
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sarahh
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Post by sarahh on Dec 19, 2017 10:43:18 GMT -6
hiimjamie do they force you to take your maternity leave all at once? I know some companies will let you save some of it and use it later. If that's an option, maybe save the 2 weeks for a month or two later?
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smash
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Post by smash on Dec 19, 2017 11:26:00 GMT -6
I’m being induced a week from today and instead of doing any of the million things I need to do, I’ve been wandering around the mall since about 10:00. I have to keep stopping to rest because of BH and pelvic pain. I haven’t bought anything aside from food.
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Post by hiimjamie on Dec 19, 2017 11:33:14 GMT -6
hiimjamie do they force you to take your maternity leave all at once? I know some companies will let you save some of it and use it later. If that's an option, maybe save the 2 weeks for a month or two later? I have to ask. You can’t with maternity, but that’s just the first 8 weeks. The second 8 weeks is parental leave which is a new benefit next year. I have to check w HR.
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Post by marygracerich on Dec 19, 2017 11:35:09 GMT -6
Hi! I am laying down after doing so many things today. I went to the mall and hit VS Pink store. They had all accessories 50% off so I got a pair of rubber slide sandals and a pair of comfy slippers for the hospital. I still haven’t packed my bag. I also didn’t wrap any gifts yet today. I can do that now but I am taking advantage of the temporary quiet in my house.
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dragonflyinn
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Post by dragonflyinn on Dec 19, 2017 11:39:11 GMT -6
Hello! I’ve had a very productive morning! Even though there’s no school, our friend who keeps DD for me offered to come take her for the morning today. I guess her daughters are already sad about not having DD over for all of Christmas break lol (they are 11 & 13, homeschooled & LOVE dd). Anyway she came at 8 & im about to go pick up DD from her house. She fed her lunch & is basically giving her back to me to nap! So another three hours of freedom!!
So I spent the morning planning lessons for my sub in January & getting all of that stuff organized. Did some laundry too & cleaned out my freezer bc today my girlfriend is bringing over a week of meals for after baby comes. 🙌🏼🙌🏼 Also I Beat DH in fantasy football this week soooo basically best day ever lol. Only thing that would make it better would be baby boy deciding to come!!
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dragonflyinn
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Post by dragonflyinn on Dec 19, 2017 11:39:42 GMT -6
Also I’ve been having awful stabby pains down there, like baby is literally punching my cervix. Hopefully this is good. Haha
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