Shortly after the wedding, we moved out of my parents' house and into our first marital home, naturally incurring all of the costs that come with that. Those two huge events meant one thing: debt, and a shit load of it. However, we were both working full time and were managing to get things paid off, however slowly.
Then I got pregnant. We both strongly felt that waiting until having a baby was financially viable wasn't really an option; we'd be waiting forever. So we went for it, and I'm glad we did. I didn't want to be forty five with no debts and an achingly empty house; I wanted a family and I wanted it while we were young. In short, biology won.
Of course, the financial implication of that decision is that the debts haven't gone away but our ability to pay them off has. After nine months of statutory maternity pay (or 'peanuts' as I lovingly refer to it) followed by a necessary move into part-time work, money is tight. And by tight I mean that there is more going out than there is coming in. Luckily, I'm not a proud person and I am very good at identifying the problem and dealing with it. I don't ignore phone calls from creditors and I ask for help where it's available. My family are not going to starve any time soon. The debts won't be paid off until I'm around one hundred and seventy two, but frankly that's fairly low on my list of priorities right now.
I do miss having disposable cash though. Thanks to dropping out of school at seventeen and managing to survive on dead end jobs ever since, I've never had a lot of spare money, but I did at least have some once upon a time.
Here are some things that I currently need/miss being able to buy without much thought:
- A pot of vaseline for my constantly dry lips.
- Hair dye more than once every three months or so.
- Night moisturiser.
- A Friday night bottle of wine.
- A new mascara. Back in December I picked up a blue one by mistake. I opened the tube before I realised and haven't been able to afford a black one since. So if anyone is wondering why I've come over all eighties in 2015, there you have it.
- Lunch from the sandwich van at work when I fancy it.
- New vests for Blake (it isn't all about me).
- Hotels for the upcoming weddings we have this year.
There are a million other things, but thinking of them is beginning to get me down so I'll stop there.
The thing is, I still don't regret my decision to start a family without a healthy financial situation. It has taught me some valuable lessons. For one thing, I now know that credit is the devil. A few years ago, I would happily buy anything I wanted and worry about paying for it later; now I have to think about whether I really need something before I commit. I also have to pay up front because my credit rating screams 'DO NOT LEND THIS WOMAN MONEY!'. It's made me incredibly resourceful too; when I do really need something, I have to find the money from somewhere and I've lost any sense of sentimentality with material goods. In other words: I'll sell anything that people will buy.
Most importantly though, being poor has taught me to be grateful for the areas in my life that are very full indeed, despite my empty purse. Every morning, when I'm greeted by Blake's beaming Disney smile, I realise that I'm a very rich woman indeed, and that's worth all the material wealth in the world.