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Debts-Please list minimum payment, amt you usually pay, balance, interest rate. If you are past due or have special financing (0% interest), please indicate that as well.
~Car payment #1: pay-$290 (minimum), balance-$13,000, but I'm not sure of the interest rate.
~Car payment #2:
~Credit card #1: minimum payment-$25, usually pay-$35, balance-$965, interest rate-11%.
~Credit card #2:
~Credit card #3:
~Credit card #4:
~Credit card #5:
~Credit card #6:
~Other debt #1: min payment-$20, usually pay-$40, balance-$1235, interest rate- 6%.
~Other debt #2: min payments- $20, usually pay- $20, balance-$360.
~Other debt #3 ____________:
Goals: (examples: new car, baby, to be a SAHM, vacation, retirement, etc)
I want to save for:
1. I want to stay as a SAHM if possible.
2. Be financially able to have baby #3 in 4-5 years.
That was the best rate we could find for our insurance since DH has only been driving about 2 years (he lived in the city before that).
I'm currently looking into opening a daycare in the business area of our apartment building (my mother is willing to lend me the money to do this), if I can't do this I'm going to see about just babysitting in our apartment. Since my DH travels so far for work he usually isn't home until 6:30 or 7pm so it's almost impossible for me to work at a job opposite his hours.
We use Parent's Choice brand diapers which are about $20 a box here and we go through almost 2 boxes for Rylan and one for Alyssa, so I guess it's about $60/month.. the other $80 is for Rylan's formula and the few conatiners of baby food we have on hand for Alyssa's fussy eating days..
The babysitting thing sounds like a good idea, just to get some moeny coming in, I'd do that before I did the daycare. No reason to make that kind of investment yet and with babysitting you can watch a couple kids at a time while rylan is so small still. DH has onlyhad his license for 1 year (he lived in the country and walked everywhere) and he gets a better rate than I do.
I love Parent's Choice diapers, but you may want to look on like amazon, when you buy them in bulk you can sometimes get an even better price on diaps.
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