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I'm not sure if this is in the right forum... I was thinking about putting this in the TTC forum and I'm sure I'd get a ton of different sorts of replies from there too.... but anyway:
I recently sold my car to a nice man from out of town; the man's wife came with him and she was telling me how she was pregnant with her 8th child. Her last 2 kids were a twin surprise. I admired her ability to be sane and tolerant enough to handle having 8 kids, but also wondered how she afforded it (not to be rude...) She told me "If we were to wait until we thought we could afford it, we would've never had kids. You just make it work."
Well that statement has been making me think alot. DH and I have been talking about having another baby, but my biggest fear is not being able to afford it; we're already struggling so much as it is...
So, would you wait out of fear of debt and not being able to afford the nescessities, or would you think past that and get preggo's anyway?
We have come to the conclusion that we will always have debt (if it's not my student loans, it will be a morgage payment or something), and so our goal is to get it mostly paid off before having a baby. But we also have other things we would like to do before we have a baby (and most of those things we plan to do in the next 6-12 months).
IMHO, you and your DH need to really decide if its time or not. If you think about it the way we have, it makes it a little easier to deal with.
My DH and I compromised in our plan. Originally we were going to wait 3-4 years after our wedding to start ttc, but we have both discovered we want to start a family long before then.
Hope that helps you somehow. I know that since we set a date to start trying, I haven't been saying "I want a baby" quite so often.
Easter 2012 - AJ (age 5) & Katie (age 15 months) PM to see if I am available to make a siggy - decisions will be made on a case by case basis.