From 3 to 4

Saturday, April 23, 2011

KS and I have been batting around the idea of going from 3 to 4 kids recently. It started about 6 months ago when we decided that we did want one more child, then I decided no thank you during the month after he left, but now we are talking about it again. This time we are leaning far towards 4 rather then 3. The biggest question is when would be the right time. I know people that would argue there never is a "right" time and if you wait for that time it will never happen and I totally get that, but we want to be in the best financial standpoint possible this time around, and that takes planning. I want to be debt free, or as close to it as we possibly can. If I have my numbers crunched right we should be able to pay our truck of with our income tax money next year. That is really the only bill we have left and it is a huge chunk of our paycheck as well. If we are able to get that paid off I will be 100% okay with having another baby but a part of me still wants to wait until we sell our house back home as well. Its been for sale for about a month now and we haven't heard anything and with the market the way it is that doesn't surprise me one bit. Right now we have renters in it until it sells thank goodness but if those renters ever leave and we don't have our truck paid off we would be in big trouble from a financial standpoint. Then there is the issue of needing another vehicle. Thankfully my truck already seats 6 so it isn't at the top of the list for must haves but it is still on there. We would be using the profits from the house to buy a larger vehicle after it sells. So you see, my list of things that have to be done before we have another baby; 
  1. Pay off the truck. 
  2. Sell the house. 
  3. Buy larger vehicle. 
The only requirement I have is to have the truck paid off before we have another baby the last two can come after and it wouldn't be a big deal. Like I said earlier KS and I are still talking about at this point but it is a nice thought, and we have been putting a lot of thought into it, or at least I have. Its kind of hard to figure out how much thought the he is putting into with him being deployed and all... Thankfully we paid off the rest of our debt with this years income tax money so we are in a good position to be debt free within the next two years. 

1 comments:

Julie said...

It is such a hard decision. The thought of 4 kids with a deployment scares me. I also hate being pregnant. So I think we will stay with just 3. My two best friends have 4 and sometimes I want that but I think 3 is our number. That is awesome you are almost debt free :)

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