All posts by Joy

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May the Force Be With You: Bringing a Child into this World

It has taken 34 years, but I’ve finally – almost – accepted that my parents will never be the loving, empathetic, caring people that I’ve always assume parental types should be. Like any human, they are flawed, but unlike many humans, they are extraordinarily self-centered,  giving only financially as a means to feel powerful and in control. Continue reading

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Go to the Doctor… or Wait Until January 1? A case of a restarting high deductible.

Following a sore throat-turned-larigiytus, I had a five day period of optimal health, then started sneezing out of no where, bringing on my current quite bad chest cold. It’s rare for me to get this sick, and this often – but for a pregnant woman apparently it’s normal to have a drop in immunity (to not reject baby) and thus you’re susceptible for a whole host of ills. Fun!

Colds, as anyone who has been to the doctor knows, cannot be helped by medical intervention. They just check your breathing and tell you to rest and drink lots of fluids. This is why, unlike my mother and sister – who manage to get antibiotics every time they so much as sneeze – I tend to avoid the doctor in the case of sniffling or coughing. Continue reading

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Surprise Trip to Florida to Tell Parents I’m Pregnant

As of today, I’m 7 weeks, 4 days pregnant. Due 8/4/18. I don’t particularly feel 7w4d pregnant, but that’s what the doctor tells me I am, and what my ultrasound reveals. Given I went through infertility treatment, I know pretty much exactly when conception happened. Isn’t science amazing?

Anyway, I’ve yet to tell my parents I’m pregnant. There are a few reasons for this. One, it’s ok to wait until your second trimester to tell anyone you’re with child, given miscarriage rates are high. Continue reading

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It’s Been Six Years Since My DUI: The Day My Life Changed Forever.

“I don’t have a drinking problem,” I told myself, over and over again. Sure, when I was partying with friends I would binge drink and slip into such a deep depression that I pushed my very patient and understanding boyfriend to the brink of breaking up with me — but I didn’t come home and drink every night. I drank socially, starting in college. I’d drink to the point where I could talk to people, and then to the point where I’d be crying in the corner and feeling absolutely miserable. I rarely drank to the point of puking, so I wasn’t that kind of drunk. That was normal, or so I thought. Continue reading

Why I don’t include Mr. HECC’s Savings in My Networth

We’re married – shouldn’t I look at “networth” as our family networth? I imagine many of the “networth” amounts listed on Rockstar Finance’s Blogger Networth Directory include total family networth. I choose to leave my independent.

Why? When one retires, she needs a specific amount of income to live life to her current standards. A partner may have different standards, and may not require to save as much. Personally, my goal has always been a minimum of $2M before I retire. Ideally I’ll see a number more like $3M-$5M. According to CNN’s Retirement Calculator I need $8M to retire. Yikes. Hubby “only” needs $3M. Continue reading

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December Budget: “Half Month” Check In

Since we (I) managed to spend way too much this year, I’m starting a better way of holding myself accountable to sane fiscal living by posting a budget update twice a month. I know I need to get a handle on my spending, especially with baby on the way — and the hope to own a home one day. Here’s how December is looking thus far:

This only includes my spending for the month Continue reading

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Life is Really So Short.

Most of us remember being kids and, while we might have been worried about death, our lives were so long ahead of us. What they don’t tell you back then is that your childhood is long and slow, and you end up getting so excited about turning 18 and 21… then you’re suddenly 30 and then 40 and then you’re 50 and however many years are left of your life, the best of your health is probably being you… Continue reading

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GOP Tax Plan: Tax Brackets for Married Couples

More details of the GOP tax plan have leaked, and the new tax brackets look enticing (other than that we won’t have the funds to support infrastructure needs in the country) — on an individual level, even with the marriage penalty on the SALT deduction ($10k can be deducted per individual OR $10k per married couple), the actual brackets are promising in removing the marriage penalty for everyone except those who make over $600k as married filers. Continue reading