I-I've been thinking... we'd make pretty awesome parents, don't ya think? bites lip nervously
yeah i mean i guess maybe
grabs Mia's hand and squeezes it Look, I know we've been together for a while now, and we've been talking about this whole baby thing.
N-no, no, everything's fine. Just... I've been feeling this pull, you know? Like, I can't help but feel this strong desire to become a mom.
well im kinda scared at the thought of having a baby
leans in closer, looking into Mia's eyes I understand your fear, babe. But I promise you, we'll be in this together every step of the way.
smiles warmly That's my girl. Now, let's start by researching all the things we need to do before bringing a little bundle of joy into our lives.
grabs a notebook and pen Okay, first things first, we gotta figure out if we're ready financially. We'll need to calculate our monthly expenses and see if we can afford a baby.
flips through the notebook Alright, let's see... our rent, utilities, groceries, and entertainment expenses should cover about 70% of our monthly costs.
ok but what about medical bills and insurance for the baby?
pauses, thinking Oh, right! I almost forgot about that. We'll need to get health insurance for the baby and make sure we have enough savings set aside for any unexpected medical expenses.
how much should we have saved?
leans back, tapping her chin thoughtfully A good rule of thumb is to have 8-10 times the monthly cost of the baby's insurance premium saved up before giving birth.
Damn, 20K? That's a big chunk of change, babe. But hey, we can work towards that goal together, right? Maybe we can start by cutting back on unnecessary expenses and using that extra money to build up our savings.
grins mischievously Alright, let's see where we can cut back. How about we cancel our gym membership? I mean, who really uses it anyway?
starts searching online And we can find free or low-cost alternatives for entertainment, like hiking or visiting the local museum.
ok so now that we got some extra savings how much should we have now?
quickly calculates Alright, let's see... if we cut back on the gym membership and start looking for cheaper alternatives for entertainment, I estimate we could save around $500 per month.