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
Since we’re not multi-millionaires (yet?) or owners of multi-national corporations, it’s unlikely the GOP tax plan (likely to pass in some incarnation of the House and Senate approved plans from earlier this month) will be good for us. Continue reading
There have been a few questions on here about how Mr. HECC and I manage our finances. Some people — esp those we know in real life — think it’s strange how we keep our finances so separate. But it just works – at least as a DINK couple. With kid #1 on the way, we’ve touched on our financial plan and so far we agree will keep things as they are…
Home (Rent): 50/50
Home (Furniture): 50/50
Our Healthcare: Self pay, except health emergencies for any family member, split 50/50 (i.e. broken bone or cancer). Also 50/50 for any infertility/fertility-related care. Continue reading
The new job is great. My boss respects me. My compensation structure makes sense (lower base than last job, but substantial room for bonus and stock appreciation.) The team works together well and everyone plays their part. Why, then, am I still so concerned about the future?
It’s not this job. It’s still this career. Being in a larger company is helping… but I’m still extremely stressed everyday, feeling like I don’t know what I’m doing. I know I need to hang on for four years in this job, to build that stability profile, to capture the value of the stock, to really add value to my company’s business. My objective is to be a wonderful employee. I don’t plan to ever ask for a raise, or anything more than what I have now. I just want to survive and be known as an asset to the business. Continue reading
I really try to take life one day at a time, because thinking too far into the future puts me in a constant state of unproductive panic. Right now, I need to focus on the next four years of our lives:
- 2018: baby #1 born (0 – 6 mo), I turn 35, 1 yr at job
- 2019: baby #1 turns 1, I turn 36(!), 2 yr at job
- 2020: baby #1 turns 2, preg w/ baby #2(!?!), I turn 37, 3 yr at job
- 2021: baby #1 turns 3, baby #2 turns 1, I turn 38, 4 yr at job
Then we… GTFO of the Bay Area. >Insert frown face and sad heart.< Continue reading
Baby stuff is inherently awwwwww-inducing cute because it’s small and therefore it’s adorable. Old me would be spending my entire paycheck already buying random baby things I see along the journey of pregnancy that capture my heart. Slightly less bad-with-money me knows that not only do I not need to buy a bunch of crap for my embryo/soon-to-be-fetus today, I don’t need that crap – ever. Continue reading
7 months, 3 weeks in counting until the arrival of baby “E” (we have two names picked out for girl or boy child, both start with E, so calling it baby E .) 7 months, 3 weeks is not that much time before our lives change forever.
Outside of finally figuring out how to keep my apartment clean, focusing on obtaining stability at my job, and trying to eat healthy and exercise and such, I’m perturbed by our housing situation and whether or not we should move or stay put. The general consensus until my anxiety attack of this last week was stay put until kid is 1, then figure it out / move to a two bedroom / etc. Continue reading
I have no idea what I’m in for this summer, but I do know it’s going to be the hardest year of my life. With the reality of maternity leave (and lack there of) settling in, I’m starting to play for 4-6 weeks off from work (4 weeks are fully paid, 2 would be at ~25% of my salary.)
Today I ran the numbers of taking 4 weeks off prior to my due date and 3 months off after (12 weeks.) Even with some paid leave, I’ll be losing $20,000 worth of salary…. enough to put the baby IN DAYCARE for the entire year. As much as I’d love to stay home with baby, it just doesn’t make sense. Continue reading
As our “being pregnant-ness” sinks in, hubs and I are starting to discuss childcare – you know, keeping our child alive when we’re at work. My husband plans to be going back to school during our kid’s first year of life, being in class from early morning and not getting home until after 7:30pm. I’ll be working 8-7. We definitely need a plan for baby watching.
At the moment, I plan to take 12 weeks off from work. I believe 4 weeks of that will be fully paid, and another 8 weeks will be covered in some part by short term disability. I’m still not sure how that works. But then once those 12 weeks are up, I’m back to work. Continue reading
The silent drumroll of my 5w4d ultrasound this morning might have revealed more than one yolk sack, but the grande reveal was one sack and one beautiful progesterone-producing cyst. In other news, so far I have a very healthy pregnancy with one darling little blob starting to develop into a human being.
I know pregnancy is a normal thing… but it’s still crazy to think there’s a person growing INSIDE of me. I’m sure it will be equally crazy yet more conceivable when it gets really big and starts to kick. I’m absolutely terrified of childbirth but, I guess I’m on the rollercoaster and there’s no turning back now! Baby is going to grow and come out of me, whether I like it or not. Continue reading