Savings Rates, Baby Kickbacks, and Brief Preggo Stuff

Hello everyone!  Sorry I’ve been out of sight, but please know you have not been out of mind!  Since there never seems to be enough time these days with me moving slower, sleeping more, and being engrossed in “The Goldfinch” (so beautifully written!) lately, when I do get my blog time in, I’d much rather catch up with your lives!  🙂

I’m grateful to report I got to see Flash this past week at my ultrasound – little man has got some long legs (definitely from B’s side!) and he looked like he was smiling at us with his little sweetheart chin.  I’m not really keen on posting the pics, but if anyone wants to see, just let me know.  I can’t stop looking at them and it makes my heart so happy.  I’m also starting to feel his movements grow stronger every day – they feel like gas bubbles after you drink soda, and whenever I move (or have foods with Tapatio or Sriracha on them), little man gets a little busy, especially at night.  I hope he becomes an early bird eventually like us! 😉

Another favorite of mine lately (and by favorite, I mean not favorite at all), have been the combo-packs of preggo symptoms, from weird dreams to being hot all the time to dizziness to leg cramps.  My favorite so far was dreaming about Scarlett Johannson’s lips (in my defense, I think I saw the “Lucy” poster just before I went to bed), but they were super-sized and I was jumping on them like a fluffy bed… only to be awoken by a gnarly Charlie horse on my left calf as I’m lying in sheets drenched in my own sweat.  Awesome. 

Finance-wise, I’m happy to report that I was updating my finance spreadsheets (still an Excel gal), and so far, my savings rate has averaged at 63% so far this year!  I say my rate as we’re still transitioning into combined finances due to some other stuff going on (I’d say halfway there), but I was pretty stoked about that rate.  Granted, I’m counting all my pre-taxed accounts and wedding gift funds, but I’m counting the latter since last year I was paying off debt as well as accruing wedding costs expenses.  

I know this will drop down next year as we face the sticker shock of day care (going rate is +$400/week for infant care, yikes), but if I could keep up with this rate through the end of the year (or even increase it), I would be all sorts of stoked.  Thankfully, being the last of a group of 10 or so friends with similar body types and who have given birth to sons, I’ve received a plethora of hand-me-down maternity clothes, infant clothes, bassinet, swings, and all sorts of other great stuff.  I’m loving all this free baby kickbacks, and also incredibly grateful that my insurance is covering all of my hospital bills through birth.

Anyway, that’s mostly what’s been going on in my corner of the world.  I’d love to know, though, for those that have put their little ones through day care, did you ever have to decide between home day cares versus company day cares?  The cost differences are substantial, but I wonder, too, about the differences with development/learning, safety, nutrition, etc.  Any advice is greatly appreciated! 🙂

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