The Hubby and I were putting up Christmas decorations this year when I had a very surprising thought. I was thinking of how much fun Christmas was when I was a kid, and feeling like some of the magic was missing with just the two of us putting up our tree. And then it happened.
For the first time since we got married, I had the serious thought: “What if we’re ready to have a baby?”
It was only a matter of time…
Of course we’ve talked about having kids ever since we got together. We both know we wanted a family, but we were giving ourselves a few years to get our house and lives in order before we seriously thought about taking such a big next step. I’ve thought now and then, “I can’t wait till we have kids!” but I’ve never really seriously considered we might be ready for it yet.
Until this week.
We might just be ready now. I mean, not like anyone is ever really “ready” (as my mom reminds me often!). Both financially and mentally, I don’t think anyone ever is 100% prepared for everything that having kids means. But I feel like we’re stable enough right now that we could realistically do it. And I kinda want to!
Emotionally, we’re both at that point where the idea of being parents doesn’t seem like some fantastic thing that’s years ahead of us. I don’t feel like we’re not even “adults” yet, so a kid is a distant possibility…I feel like now is the time. We’re in our (very early) 30’s, we have our routines down nicely and work well together as a household, and when I’ve held all the babies my friends and family have had recently, I haven’t felt terrified that I’d drop them (which I did, once!)…I’ve felt like “Hmm, I could get used to this…”
Financially, we have most of the big stuff with our house taken care of. We have some savings built up. We’re doing good with our budget and recently started putting away for retirement, and we could afford the extra monthly expenses that come with having a kid. But, being a PF blogger, I of course have to run it through my money mind…
How much does it really cost to have a kid? The hospital bill, the doctor’s visits, all the baby doodads and gizmos I don’t even know we’ll need yet…Do we have enough to cover any foreseeable emergencies? (Can you ever foresee emergencies?) What about his/her college fund? Sure, we haven’t even started trying yet (and we just graduated college ourselves not that long ago), but how on earth will we build up a whole college fund???
Maybe it’s just the worrywart in me…
Way deep down, I think we can handle it, and The Hubby does, too. I know people raise kids with much tighter budgets, and that there’s a lot more to being a good mom than making sure all the numbers line up. But like I said, I’m a PF person, and I guess I feel like, with all the things to consider, the financial part is at least one thing I can kind of “control.”
But when it really comes down to it, I’m not sure if I care that we don’t have everything 100% figured out. I think it’s time.
Help me out, readers! Am I being overly cautious? How can you “know” you’re “ready”? (Can you?)
photo credit: Sergiu Bacioiu