financially or emotionally ready?

was talking with a friend about ttc and she said she considered herself emotionally ready to ttc long before she considered herself financially ready and they waited to be financially ready. i have a lot of friends who told me they never thought they would be financially ready and just waited until they were emotionally ready. what came first for you, being financially ready? emotionally ready? did you wait for both?

Re: financially or emotionally ready?

Re: financially or emotionally ready?

We thought we were never going to be ready financially or emotionally so we just decided to do it. We are in "it" but some months we don't ttc b/c we change our mind. I'm all over the place.

Re: financially or emotionally ready?

I replied other. DH and I are in our early 30's and I think we are are both emotionally ready...financially thats another story and I agree that most couples would be waiting years and not do much living while they were saving up for their LO.

In my case (not speaking for DH) I was emotionally ready to have an LO about a year after we were dating. I knew he was the man I wanted to be w/and knew he would make a fantastic dad.....I just had to wait for him to be ready to get married. So thats why we are TTC just a few short months after getting married and buying a house.

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we r both emotionally ready..finacially..we have some savings..but is anyone ever ready finacially when it comes to kids

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emotionally ready came first for us.

I think if you wait to be financially ready you could be waiting just about forever. You will always have a need to save more and more money. And then I think it could get to the point that it's just late....

Re: financially or emotionally ready?

I was financially ready before emotionally. I have worked for the same company for a very long time so I am definitely ready in that respect. We bought a house a few years ago so we are ok with that too I guess. The entire first year of marriage I didnt think about TTC AT ALL. Then one day it just seemed like the right time. It took me a few months to really start TTC. At first I would change my mind when BD'ing and tell DH not to finish inside b/c I was scared. I did that a few times and then I got over my fear and starting officially trying. This was in the summer of 2009. At this point we will be married for over 3 years by the time a LO is born so we have been able to enjoy our alone time and really enjoy traveling, going out to eat all the time and just not having anything holding us back. I would give all of that up now for a LO which is how I know I am 100% emotionally ready now.

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I chose "other"

We are both financially "able" but I dont think we will ever feel like we are financially ready.

I have been emotionally ready for about a year now. DH is still not. But I dont really think he will ever show me the excitement I'd like to see from him reassuring me that he is emotionally all in so I guess I will never really know. He is however, going along with my wishes.

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It's hard for anyone to say "I have enough money to have a baby"... we were more financially ready before being emotionally ready. DH and I are both bankers and happen to be very good at saving. We've always lived below our means and have no debt.... I have to thank DH for keeping our budget in check. Emotionally I was not ready for a long time. I remember 2 yrs after we were married and I came off BCP, and I thought I was pg. I cried for days and actually hoped I was having a nightmare. That's how badly I did NOT want to have a baby. Little did I know, 2 years later I'd wish every day to be pg!

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We are both

Re: financially or emotionally ready?

Re: financially or emotionally ready?

We're more ready to have a baby, but enjoying saving up a little more money and saving up some sanity when I get to sleep in or take a nap!

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absolutely financially first - meaning we have a home that we own (that was a goal for us), we have a savings, no credit card debt, we can afford all of our monthly bills with extra $ left over every month and i don't have to work (another goal - to live off 1 salary -we've been doing this for a year already)

emotionally it took more time we both wanted a baby and loved the "idea" of a family but we both wanted to spend more alone time with eachother first. i also wanted to finish up a lot of projects in the house. we planned a vacation this summer as a last hoorah which was awesome - so glad we did that. and we just waited for it to feel right. we thought we would be ready earlier this year (june) but we were not so we held off and i am glad we waited for when we were 100% ready. once i came off the pill we were so excited that we couldn't wait the extra 3 months and we just went for it.

for me i think it was easier to be financially ready. i hope i am truly ready emotionally. i do know that i love the idea that something is growing in me right now and i pray everyday that it continues to grow and be healthy. so i guess that is a good sign

i will admit though that when i picture myself with a 5 year old, 10 year old, 15 year old i start to panic

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we were emotionally ready first. I think that's most important. Financially we were ready, but not rich or anything by any means. Financially like everyone said you'll never be fully ready. Sometimes you just have to make things work. Honestly who cares if you own a home, have a ton of money for the baby, etc. What's most important is you are able to provide the baby with love. That's all the baby needs is a family that loves and cares for him/her! I feel like financial things come into place but if you wait for everything to be perfect there may never be a perfect time.

Do it when you feel ready!

Re: financially or emotionally ready?

i answered "other"
we are both emotionally ready, no doubt.

in our current living situation, we are financially ready without a doubt, with a decent savings...however we are making a big decision regarding our living situation(im too supersticious to talk about it) and i think we will lose all of our savings very quickly.

Re: financially or emotionally ready?

I chose financially ready before emotionally. It hit us recently-VERY HARD- that we are ready and desperately want a baby. It is all DH can talk about.