Saving

Knowing that I'm going to be an SMC means that I know in advance that I need to save for this child. My insurance is good but not nearly good enough to cover the expenses of vial purchases and artificial insemination. And I haven't even begun to look into whether or not it will cover the many tests I'll subject myself to in order to verify my fertility.

What I do have going for me is that I'm still in my twenties. So while my bio clock is ticking, it's still a light tink compared to the thudding dungeon echoes that I'm sure I could be experiencing.

All I know is that I have a goal of $15000 in the next 39 months. That's $384.62 per month. I can promise you that it won't happen in the winter months and that the summer months will bring so much more than that. And I'm not saying that this is the magic number at which I'll never save again but what I am saying is that this amount of money will make me comfortable enough to start the process.

$15k should be enough to cover out of pocket expenses like donor material and doctor visits (I have high deductible insurance. Which may or may not change once the baby arrives depending on the projected expenses at the time). It will also allow me to take off an additional 12 weeks with my little bean.

Of course, all of this is based on me conceiving artificially. Should I get pregnant by accident, much of this would go out the window. But for that I'd need a steady man in my life. I feel confident in saying that he's not on the horizon.

All of that to say that we have $60 in the baby fund right now. I know it doesn't sound like much and it's no where near the $385 that I projected saving, but honestly, saving is something very new to me. I'm taking baby steps here and I'm so proud of my little accomplishment.

Cheers to you, $60! I hope to bring you several thousand friends.