Get a new sofa this weekend. They’ll probably have a “No payments until ... some months down the road,” and you can pay for it when it’s billed. Or even (don’t tell Dave!) in a couple of installments. You can have zero debt and a million in savings, and DIE. Boy, that was a thrill getting financially fit!
And before everyone jumps on me, I’m not advocating being fiscally feckless. I’ve got in-laws for that. I’m just saying that there’s a time to think about now, and that time is when you’re pregnant and the sofa is poking you in the backside.
You are my new best friend! Thank you for saying that. I’m beating myself up enough over here. I just did our budget and we can buy everything I sent my husband and have it paid off in 6 months. This includes new desks for the kids. I hate shopping but I can’t wait for the weekend!! :o)