Angela and I have been married for over six years. That time flew by extremely quickly. We went through highs and lows, had our share of great memories and a handful of arguments. Ok, let’s be honest here, a lot of arguments.
When you’re married, you argue. Usually it’s about the most minor of things. The way the toothpaste tube is laid on the counter (she wants it standing straight up, cap down) or finances. Money is statistically the most common subject of argument a married couple has.
I learned a long time ago that Angela and I have very different money habits. She spends money to save money. A money-saving Pinterest project that ends up costing $40 in supplies to save us $10 on something we probably didn’t really need anyway is how she rolls sometimes. For the most part, she is a light spender. She clips coupons and pays attention to the price of things at the store.
I spend money spontaniously after months of being frugal.
Me, on the other hand, I buy technology. I try to justify my purchases by working extra hours or selling something I don’t use anymore, but sometimes what I want wins out over what I need when it comes to deciding which shiny new gadget to buy.
Here’s one example. I bought an iMac. A big, beautiful 5k iMac that has a gorgeous screen and plenty of processing power to handle the video rendering and other work I do throughout the day. On the surface, this was a justified purchase because I work from home and would be staring at it for 8-16 hours per day.
But in reality, I could have gotten away with something much cheaper. I needed a Mac (the software I use for work is only available on MacOS) but I didn’t need that one.
Angela and I both splurge on food. We eat out at a nice restaurant at least once a week, with small convenience meals regularly inbetween. This is mostly due to our heavy work schedules and unenthusiasm in the kitchen. I like cooking, sometimes.
Babies are expensive.
Our entire adult lives, we’ve been told that babies are anything but cheap. Schools drive home this point around the time students start getting part-time jobs. As an adult, you make friends with parents that live a lot more frugally than you do because of their child.
We spent a great deal of the day yesterday on the phone with our insurance company trying to find out what they would and would not cover under our policy. We talked about birthing centers vs. a hospital, whether or not we need an Obstetrician to conduct our ultrasound or if a trained midwife would be fine.
The insurance company pretty much said we need to do things their way if we wanted to have any chance of paying off the hospital and lab bills of this child in our lifetimes.
Having money to spend is great, having money to spend on appointments to ensure that both baby and mother are healthy is even better.
So, our belts are going to get a little tighter and our habits are going to need some readjusting.
Diaper subscriptions as a cost-saving method.
Ok, so this is going to be cool.
If you buy a box of high-quality Pampers diapers outright, you’re going to be spending about $0.18 / count – even with a giant box of 216 of them. But, if you sign up for a diaper subscription on Amazon where a box is automatically delivered to your door regularly, you can drive that price down to $0.14 / count.
That’s a big deal. A box that would cost $39 ends up costing $31. This includes the free shipping you get with Amazon Prime. You also don’t have to worry about running out of diapers because a new box comes before you really need it.
That $8 / box savings can be put towards something awesome, like a Spotify or Netflix subscription.