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Budgeting and Vasectomies

September 21st, 2006 at 10:01 pm

Well, I could go on and on all day about the advantages of having a man who stays home while the woman works. (For 1 - maternity leave is pretty awesome - kind of like vacation with both of us home).

But I just found the big downside - vasectomy!!! It's like 5 days of no lifting - yeah right with a baby. I Am just hoping we can squeeze it in this year. I have 3 days vacation and we'll make it work. But I keep thinking to all the men I know who were back to work in 1 day. & then I think - duh - most office jobs don't require heavy lifting like my hubby's job does. Blech. Big baby boy is 25 pounds and not walking yet, so I got to stay home a few days with the kids.

We'll work it out. I just really wanted him to take care of this this year, because I wanted to switch to a high-deductible plan Jan. 1. We just can no longer afford our premiums. In the meantime, I will call and ask how much the procedure is. THey told him today it was only $250, but I find that hard to believe. IF that's it, piece of cake, we'll be saving $300/month with reduced premiums. I find it hard to believe because that is what they charge us NOW for any procedure. I think he was misinformed. ; ) Then again, as a preventive measure - maybe. Costs them a lot less than a pregnant woman I guess...

Oh anyway, he went to an info meeting on it tonight, since he finally called the hospital, etc. HE came home pretty whiny and I am afraid to say I Wasn't very sympathetic. After doing the birth control thing for many years and giving birth twice, eh, I think I have done my duty. I am actually just about doing the happy dance that the responsibility is shifting and I can throw the birth control out the window.

I am working on my budget and I am just planning for the worst when it comes to medical. Maybe we will be paying the big premiums another year. If he can't get the big snip now, it will be next summer earliest.

Anyway, I read on here about using Quicken and budgeting in Excel, but it just seemed kind of silly. Anyway, I was researching spreadsheets today for work and I started getting distraced by all these personal budgeting spreadsheets. After looking at them a little closer I started seeing the benefit. I think I Will give it a whirl. Dh is gonna go crazy because I started entering all of our grocery items more detailed, etc. I swear all I do in my spare time (what spare time?) these days is budget, invest, etc. Oh well, but I like it. I have done budgets in excel before, but I guess over the years our finances have just got so dang complicated. So I am working on a budget for next year - just putting something together, will be tweaked as we go for sure. In the past I just used round budgets, and I budget enough in my head that I always know where we're at, and we neevr spend more than we have. BUT, I need to get a "down to the penny" budget written down that we can stick to, and so we can work on our savings a little more.

Monthly budgets are nice, but I keep getting thrown off by the one-time expenses every year. So I am working out some all-inclusive monster budget. We'll see how it goes. ; ) Then I can track our progress each month. But I really look forward to seeing the big picture. (Or maybe not...).

Dh has been taking the grocery shopping thing pretty seriously. HE has been stocking a lot on sale, and though we rarely buy brand names, the few things we do, he is coming home with generic lately. Hope this helps the bottom line... I got a bunch of Target coupons and think I will go stock up on some things as well. A big investment this month, but worht it down the road.







1 Responses to “Budgeting and Vasectomies”

  1. Broken Arrow Says:

    Vasectomy is a Really Good Thing for guys who already have kids. I have it done, and it's really not that bad at all.

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