Money Matters
Mom987
member
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Proud of our emergency fund
We had to replace the pipes in our home and we were so thankful to have 6.3 months of emergency fund to pull from. We still kept 5.6 months saved, but pulled out enough to go towards the pipes and installation. We hadn't pulled from it in 3 years, so it was good to let it build up and be comfortable to have money to get something like this fixed. 
Re: Proud of our emergency fund
I need new tires soon, and am oddly excited to pull from the "car needs" fund I created a new line-item for back in October. Last time I needed tires I charged them and carried the balance, so it feels like a good change
Awesome, what a good feeling!
We had to replace our front door last fall because of the heat, it kept sticking and the door panel was ripping off the the wood door. It cost about $1800 so luckily we had the savings to pay for it in full.
This might seem like pennies you guys with real fully funded emergency funds.... but i'll tell the story anyway cus it changed our life.
We never had a real emergency fund and the little that I had in savings was burned up in the wedding.
A friend of ours had given us the Dave Ramsey TMMO book a few months earlier after DH lost his job and had to take a paycut. I read it and i really wanted to actually work together and fix our mess cus we were broke but he just didn't care that much and for months he refused to read the book. But on my own i was able to save up 700 dollars in cash toward a baby Emergency Fund.
To make a long story short he was dragging his feet on giving up his personal account and switching over the direct deposit to our joint account cus it was "his money" but meanwhile i was paying all the bills so ofcourse i ran out of money and i needed money for gas and he wouldn't give it to me cus it was "his money". We had a huge fight. I was furious. He drove off and i came to find out he took the emergency fund with him and spent 100 dollars of it on some stupid crap for the grass. He just saw that as extra money to spend. Well thankfully the next morning he calls me on the way to work to tell me that the back windshield on his truck literally just blew out so it was all shattered... come to find out the replacement cost exactly what we had in our EF - 600 dollars. Which if it werent for that EF it would have ended up on a credit card. And he got to really feel that money leave his hands when he counted out the 6- 100 dollar bills.
So for the 3 hours he had to wait in the repair shop - I sent TMMO book with him and he read it. He came home and appologized and I've never been happier to hear those 3 little words i treasure so much - "You were right" LoL. After that he finally got everything switched over to our joint account and then he sold his truck cus the payment was too high, and got a second job. Funny how the worst days turn out to be the biggest blessings
Ours is sort of sad, so just a warning.
We started TTC a year ago. At that time we had $10k saved in our "baby fund" for birth, maternity leave, and supplies. Our first month trying, I didn't get my period and we weren't pregnant. So I went to the Dr see what was going on. They ran blood tests and diagnosed me with PCOS. The Dr and test was not covered by insurance since it was considered Infertility. We then started a round of fertility treatment to try and get pregnant. None of which was covered. We ended up getting pregnant, then later losing the baby. The whole time going through the Dr not covered by insurance and being 100% out of pocket.
In the end we spent $7,000 for tests, fertility treatment, monitoring while getting pregnant, medication to hopefully stay pregnant, tests to determine we lost the baby, and expenses of taking care of the m/c.
If we hadn't had that $10k in a baby fund, we wouldn't have been able to afford doing all of the things listed above. We would still be "trying" and not knowing why I wasn't getting a period and we weren't getting pregnant.
Almost draining that savings down to $0 is also the reason why H finally got on board with Dave Ramsey's Total Money Makeover. I had saved up the $10k over a 2 year time period before we were married. H and I knew we wanted to TTC not long after the wedding, but H wasn't willing to do the savings necessary to help me get comfortable with making that decision. He now understands how important that fund was, and we wouldn't have the answers we do if that money wasn't there.
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)
Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
1/14 PCOS / Gluten Free Diet to hopefully regulate my system.
Chemical Pregnancy 03/14
Surprise BFP 6/14, Beta #1: 126 Beta #2: 340 Stick baby, stick! EDD 2/17/15
Riley Elaine born 2/16/15
TTC 2.0 6/15
Chemical Pregnancy 9/15
Chemical Pregnancy 6/16
BFP 9/16 EDD 6/3/17
Beta #1: 145 Beta #2: 376 Beta #3: 2,225 Beta #4: 4,548
www.5yearstonever.blogspot.com
Cbee817: I'm kind of nervous about the drywall patches...are they going to always stand out to me? I'm sure they'll look great, but I feel like I'm always gonna see them.