Credit Card Debt is the Devil

As you can see from the title, I have a bit of debt stacked up on a few different credit cards. Not to mention my less-than-a-year-old car, oh yeah and that house I bought 2 years ago. It's a lot. It's stressful. BUT I have a job. I am so very fortunate to have a job that I don't despise waking up & getting ready for every morning. How many people can say they enjoy going to work these days? I am happy that my debt is still very manageable, I can totally knock it out...if I just focus & do it.

I have a roomie now who contributes to paying half of the utilities & some rent monies. I wish I could make her sign a contract that says she will never leave!!! I know that isn't going to be the case eventually, but for now I will take the extra money where I can. With Courtney moving in, the other bills won't seem as harsh. The 3 of us will split the utilities & house payment. This will help Courtney & I both take care of our individual debt so we can start saving together to bring a beautiful baby into this world :)

Our goal is to have the debt ALL gone before the end of the year. I enjoy having a timeline like this because it makes me work harder to achieve it. I realize the end of the year is still 8 months away, but really 8 months to get rid of some pretty considerable debt is amazing in my eyes!! Hopefully we are both where we feel most comfortable by December. (I'd feel comfortable with only having 1 or 2 cards purely for emergencies...with zero balances, of course)

I talked with my best pal Stacey --who we would ultimately like to be our donor-- & Courtney yesterday about how much cheaper it would be to fly him to Knoxville as opposed to trying to figure out how to freeze & ship his swimmers, or us flying to Tucson, where he lives...and of course it would be much cheaper than having donor swimmers sent to us. Another thing we talked about was maybe just trying at home the first few months...after my cycle is as regular as it will most likely get & once we feel comfortable using the at-home methods...obviously neither of us are OBs, so it will be a learning experience. From what I have read here and there, ICI is the closest thing to natural as it gets. Pretty much just replacing his parts with a syringe. Seems simple enough to my naive mind. Also, having him here for a few days, should allow us to try a few times each cycle...right?

I know some of you are probably thinking this girl is in La-La land with her hopes and dreams about how easy this is going to be...& I am surely hoping, like everyone does that it will be an easy road & a quick one at that. Don't get me wrong, however, I know the harsh reality that no matter how ideal the circumstances, two women trying to make a baby is an uphill battle from the start. Whether its money, my body, our feelings, Stacey's thoughts, or just pure lack of luck, I know it is going to be tough. But I am ready. I have been ready for a long long time!! I just want to fast forward to when our card debt is gone so we can start already, or win the lottery...you know no biggie :) People say if you wait until you think you are ready, you will never have a baby, and I believe that!! I can get scared and say we have to wait until we have this much saved up, or we need to get that door fixed in the house before we start trying, or let's replace those windows first. We can come up with a million scared excuses to wait, but if it is something we really really want we will just dive in and go for it...So our ultimate goal is to be done with this whole card situation before the end of the year. & then we can start to dive in!

I'm excited. I'm nervous for the upcoming changes. I am ready. Mostly I am ready for this :) I want to rush to the baby belly part, but the ride there will be fun no less!

Good luck & baby dust to everyone out there :)