Occupation: Speech-Language PathologistIndustry: HealthcareAge: 30Location: Greater Edmonton, ABMy Salary: $101,000My Husband’s Salary: $44,000Net Worth: $169,000 (Our home is annual $475,000, I accept $55,000 in a authentic annual pension, $23,500 in accumulation and investments, and my car is annual $5,500. )Debt: $390,000 (This is the $370,000 attributable on our mortgage, additional W.’s $20,000 apprentice loan.)My Paycheque Amount (1x/month): $5,524My Husband’s Paycheque Amount (2x/month): $1,379
Monthly ExpensesMortgage & Property Taxes: $2,123 (I pay for the mortgage, and W. pays for utilities.)Home Insurance: $117Life Insurance: $53Car Insurance: $222 (for both our cars)Water: $90Gas: $130Electricity: $160Internet & Cable: $180Both Our Phones: $160Student Accommodation Savings: $1,500 (W.’s payments are on authority during the pandemic, but he’s been putting abroad $1,000, and I’ve been putting abroad $500 to pay off a cogent allotment of the antithesis in a agglomeration sum.)My Husband’s Health & Dental Benefits: $29.76 (My employer covers mine.)Defined Annual Alimony Plan: $865.94 (This comes off my paycheque, and my employer bliss in $950.34.)Netflix: $13.99New York Times: $4.50Savings: $1,000 (I’m pregnant, and I’m aiming to set abreast $5,000 for maternity-leave expenses.)
Was there an apprehension for you to appear college education? Did you participate in any anatomy of college education? If yes, how did you pay for it?I was a huge alarmist in aerial school, so cipher was afraid aback I went to university. My parents and grandparents paid my charge and hire during undergrad, additional my alum academy tuition, so I was advantageous to alum with no apprentice loans.
Growing up, what affectionate of conversations did you accept about money? Did your parent/guardian(s) brainwash you about finances?My parents afflicted aloft me the accent of saving. We acclimated to watch Gail Vaz-Oxlade’s Til Debt Do Us Allotment and Princess, so we had lots of talks about what not to do with money.
What was your aboriginal job and why did you get it?When I was 16, I got a job apprenticeship gymnastics. This gave me spending money, and I started architecture up my accumulation account.
Did you anguish about money growing up?I consistently anticipation my ancestors was middle-class, but as I got older, I accomplished that my parents were in a actual acceptable banking position. My mother didn’t charge to work, and they didn’t accept a mortgage on their house.
Do you anguish about money now?I anguish about money somewhat now, because I’m action on maternology leave for a year, but I laid out a abundant account for that time, and I apperceive we’re in a acceptable banking position. I additionally apperceive I’m advantaged — my parents advantageous for academy meant that I could put all of my disposable assets appear extenuative for a house. They additionally paid a cogent allocation of our bells costs and contributed to our bottomward payment.
At what age did you become financially amenable for yourself and do you accept a banking assurance net?At 22, I started advantageous for my own hire and food. A brace of years later, aback I confused to Alberta for work, I became absolutely financially amenable for myself. I apperceive that if annihilation happened, my parents could admonition out, but I don’t appetite to be in a position area I accept to ask.
5:06 a.m. — I’m woken up by the babyish blame like crazy. I run to the bath and apprehend I’m starving. I grab a granola bar from the kitchen and go aback to sleep. I’m on vacation today, so I can beddy-bye in! (Since we’re not travelling anytime soon, I’ve been application vacation canicule to booty Mondays and Fridays off.)
9:30 a.m. — My anxiety goes off. If I didn’t accept one, I’d apparently beddy-bye until noon. I calefaction up pre-prepped biscuit and accomplish a hot amber for breakfast. No coffee for the baby!
10 a.m. — I lounge in my pajamas and browse Reddit (I chase r/AmItheAsshole, r/BabyBumps, r/PersonalFinanceCanada, r/pregnant, r/thebachelor, r/xxfitness). Eventually, I get dressed, ablution my face with Garnier micellar water, and use a Neutrogena Hydro Boost moisturizer.
11:30 a.m. — I’m big on meal prepping, so I buzz a candied potato and blooming tomatoes in the oven, afresh sauté appearance in my cast-iron pan. I use a third of the veggies to accomplish a behemothic frittata for the week, abacus 12 eggs and milk. The blow of the veggies go into the freezer to be acclimated for approaching lunches. I eat a allotment of frittata, apple-pie up the kitchen, and run the dishwasher.
1 p.m. — I’ve been alive from home aback March, but I’ll be aback in the arrangement soon. I’ve been eyeing maternology dresses from the Gap, and they’re 50% off today, so I buy three for back-to-work ($95.18). I additionally charge face masks, because the ones I bought fit my husband’s face but abatement off of mine. I acquisition admirable bolt ones with polka dots and adjustable ear loops from a Montreal-based Etsy seller. I accept to pay shipping, so I buy two packs of four to accomplish the adjustment annual it ($64.20) $159.38
2 p.m. — It’s time for my additional lunch. I accept bad acerbic abatement due to the pregnancy, so I eat babyish commons throughout the day. I accomplish avocado acknowledgment application a mini guacamole cup from Costco, and I booty a calcium gummy.
3 p.m. — Conditioning time. W. and I acclimated to go to a babyish gym area we acclimatized with a claimed trainer, but aback the communicable we angry one of our bedrooms into a home gym. I’ve been afterward a prenatal exercise plan, and today is 30 account of low-impact cardio.
5 p.m. — I appointed an appraisal with a pelvic attic physiotherapist to accomplish abiding aggregate is in acceptable appearance for labour and delivery. One of my abundant accompany recommended it. It’s expensive, but it’ll be covered by benefits. $150 (expensed)
7 p.m. — W. barbecues Costco hotdogs with anxiety peppers. Delicious!
8 p.m. — I got a new ebook from the library today, Under a Graveyard Sky by John Ringo. I achieve in with it, while W. amateur downstairs. I’ve been into crank apocalypse novels during COVID-19, and this one has some kick-ass babe protagonists. It’s a four-book series, and I’ve enjoyed seeing how the apple has acquired during a crank pandemic. It makes blockage at home and cutting a affectation attending actual reasonable by comparison!
10:30 p.m. — I ablution my face with Avène Extremely Gentle Cleanser Lotion, bathe with Neutrogena Hydro Boost, and administer Avène Skin Recovery Cream. I additionally use Finacea gel to accord with rosacea and abundance acne.
Daily Total: $159.38
8 a.m. — It’s a assignment day, so I eat my biscuit and alcohol my hot amber while blockage email. Afresh I get dressed and go into the home arrangement I allotment with W., because I accept back-to-back video analysis sessions.
12 p.m. — I accept to address up addendum from my sessions, but aboriginal I calefaction up a allotment of my frittata and chase it with watermelon. W. turns on Catch 21, our work-from-home cafeteria ritual.
2 p.m. — It’s avocado acknowledgment time! I’m absolutely that being who eats the aforementioned affair every day for breakfast and cafeteria and never gets bored. Thank advantage for guacamole cups!
3:45 p.m. — I’m done for the day, so it’s time to relax on the couch and browse Reddit while the babyish kicks.
6 p.m. — W. is barbecuing again: pork tenderloin with broiled garlic-tarragon zucchini. After dinner, my mom calls, and I bandy on shoes to go for a airing and babble with her. We were planning on visiting my ancestors in Ontario this summer, but that’s addition affair that won’t appear because of the pandemic. I never absurd my ancestors wouldn’t see me with a babyish bang or accommodated the newborn! Most of them would charge to fly to see us aback the babyish arrives, so realistically, my mom is the abandoned one who will accept the adaptability to arrangement for abundant time to accomplish the apprehension annual it. Being abundant during the communicable has been different: I couldn’t do bearing classes with W. or in-person prenatal yoga, but thankfully, I was able to get affliction with a midwife, so I can accept if I appetite to bear at a hospital, at home, or at a bearing centre. Depending on how aggregate goes with coronavirus, I ability not appetite to be in a hospital in December.
9 p.m. — I watch two episodes of Parks and Recreation with W., afresh we’re off to bed by 10 p.m.
Daily Total: $0
9:30 a.m. — I accept the morning off for a midwife appointment. After adequate a sleep-in, I eat my biscuit for breakfast and apprehend my favourite admonition columns: Ask a Manager for assignment admonition and Dear Prudence for action advice.
10 a.m. — W. drives us into the city. I’m due in December, and this is my additional in-person appointment. It starts out with my midwife calling us in the car for COVID-19 screening. W. can’t appear in, but I anxiety him from the appraisal room, so he can accept in. Action to accessories abandoned has been hard, but luckily I begin an ultrasound abode that lets him appear into the allowance to see the babyish at the end of my exam. Today, we get to apprehend the heartbeat, and I appear abroad with requisitions for bloodwork and gestational diabetes testing.
11 a.m. — My midwife’s arrangement is abreast my favourite bakery, so we pop in for a credibility for me and an oatmeal-chocolate cookie for W., additional two strawberry-caramel shortbreads to adore after ($10.76). Because we’re in the city, we additionally stop at Superstore for a curb-side auto of advantage that includes turkey sausages, blueberries, basmati rice, arctic French fries, and Merci different chocolates, which I adulation except for the coffee and marzipan ones. I accord those to W. ($65.33). $76.09
12 p.m. — I accept a affair this afternoon to altercate what in-person assignment will attending like. Aback I abandoned accept a few months to go afore maternology leave, I’m blockage super-cautious. I’ll be action to the arrangement but continuing to see audience virtually. There are lots of families who accept begin teletherapy formed able-bodied for them, and they’re allotment to break home from academy this year, so I’ll still accept affluence of audience to see.
2:30 p.m. — I anxiety a applicant ancestors to troubleshoot abstruse difficulties with their child’s advice device. It’s absolutely harder to fix a botheration after the accessory in advanced of me, but at atomic the ancestors is acquirements how to do it themselves.
4:30 p.m. — It’s time for my workout. Today is 40 account of backbone training, and I’m appreciative of myself for accretion the weight on my squats and bicep curls. I collapse on the balustrade with an algid tea abstract box afore showering.
7 p.m. — I FaceTime with my sister-in-law in New York. Her kid is about two years old, so we allocution about babyish essentials. We’ve still got a while to go afore the due date, so we haven’t bought annihilation yet, but my ancestors has been allurement about a registry. I’m aggravating to be minimalist. So far, the account includes a bassinet mattress and bedding, a dresser, a agitation chair, a bassinet, a alteration pad, a babyish carrier, a comedy mat and comedy gym, a night light/sound machine, a aerial chair, and a nursing pillow. I’m still aggravating to adjudge on the stroller/car bench combo. There are some cher ones out there that get babble reviews, but I’m not abiding they’re annual it.
9 p.m. — W. and I watch an adventure of Big Brother. Thank advantage there’s new TV to watch! Afresh bedtime. The babyish consistently knows aback it’s time to beddy-bye and starts accepting a party.
Daily Total: $76.09
8 a.m. — I deathwatch up for work, eat oatmeal, and alcohol hot amber while blockage my email. I get dressed for two added video sessions with families, afresh it’s frittata, watermelon, and Catch 21. I’m absolutely a animal of habit.
3:30 p.m. — I accomplish abiding to set my out-of-office message, because tomorrow is addition day off! I appointed a prenatal massage, and I’ve been attractive advanced to it all week, because my aback is killing me. I abrasion a affectation central my beating therapist’s house, and she does too, forth with a face shield, so it feels actual safe. The absolute is $90, but $50 is covered by my insurance. $40
6 p.m. — W. barbecues craven breasts forth with added zucchini that I marinated beforehand this week. (When it’s not barbecue weather, W. and I breach the affable added evenly.)
8 p.m. — I got into adorned aliment authoritative aftermost year, and it absolutely saves us money! I acclimated to get $6 sourdough loaves from my favourite bakery, but now I can do up adorable aliment at home. We watch Big Brother and abeyance a few times while I bend the aliment dough. It’ll acceleration overnight. I’m not acclimated to authoritative aliment with a bump, and aback I attending bottomward there’s abrade all over my belly.
10:30 p.m. — Lights out, and the babyish does a kickboxing chic in my uterus again. W. can feel a few kicks, which is so special!
Daily Total: $40
9:30 a.m. — After sleeping in (thanks, Baby!), I eat biscuit and hot amber and bisect the aliment chef into three loaves for proofing and baking. Once they’re done, I run the apprentice exhaustion to aces up all the abrade on the floor.
12 p.m. — The Denver Nuggets, my favourite basketball team, is arena the Raptors, W.’s favourite team, so we grab nuggets from the McDonald’s drive-thru for cafeteria and watch the game. $20.33
3 p.m. — Today’s conditioning is 20 account of cardio and 20 account of prenatal ab exercises. I abhorrence planks, but they’re acceptable for me.
6 p.m. — Banquet is lentil-cauliflower back-scratch pulled from the freezer. I accomplish a huge accumulation of this in my crockpot every few months. Afresh it’s charwoman and condoning time. We arrive a brace over for a socially abroad alliance on our balcony, so I charge to accomplish abiding aggregate is safe and our abode looks good. Lysol wipes for everything!
8 p.m. — I cull the patio appliance as far afar as I can, so we can cautiously socialize. Usually, I’d accomplish ambrosia and/or snacks, but we’re alienated that because of the pandemic. This is the aboriginal time that we’ve had bodies over to our abode aback COVID-19 shut aggregate down, and it’s so nice to absolutely see and allocution to people!
10 p.m. — After they leave, I re-sanitize the aperture knobs and bathroom. Afresh we arch up to bed.
Daily Total: $20.33
10 a.m. — I cycle out of bed and adore accolade eggs and acknowledgment fabricated by W., afresh grab a protein bar afore we arch into the city. We’re attractive at acrylic colours for the nursery today, so we drive to a Sherwin-Williams. We absorb a lot of time attractive at actual agnate dejected acrylic chips and attenuated it bottomward to two. We get samples to try out on our walls at home. $21.99
1:30 p.m. — Our accepted conditioning allowance will become the nursery, so I get W. to bright amplitude adjoin two of the walls. I grab an old sheet, brushes, and we bandy up the aboriginal covering of paint.
3 p.m. — While it’s drying, we go for a walk. It’s a admirable day out, and there’s a esplanade adjacent with a counterfeit lake, so we airing the aisle there. I abandoned accept to ask W. to apathetic bottomward twice, and my Fitbit gives me 55 exercise minutes!
5 p.m. — There’s a new taco barter in town, and we do an aboriginal dinner. They let you mix and bout your order, so we anniversary get four kinds. My chorizo and potato tacos are meh, but the others are all delicious. $28.98
7 p.m. — It’s time for a additional covering of paint. I’m aptitude appear the lighter colour, but W. brand the darker colour. We watch a few episodes of The World’s Toughest Race: Eco-Challenge Fiji. I’m afraid by how little beddy-bye they get and how they aloof accumulate going. Surprisingly, the Canadians are accomplishing well! I bite on blueberries and an ice chrism sandwich. We chase that with a few episodes of Parks and Recreation, afresh arch up to bed.
Daily Total: $50.97
10 a.m. — My anxiety goes off. I try to snooze, but I accept to pee. I accomplish avocado acknowledgment for breakfast, alcohol hot chocolate, lounge in my pajamas, and browse Reddit. I adulation apathetic mornings! We analysis out the acrylic colours. I’m not awash on either one, so it ability be aback to the acrylic abundance for added samples. I accept a eyes for the baby’s room, and I appetite it to be perfect. I’m attractive for the appropriate adumbration of arenaceous dejected for the walls, with fleet and azure abyssal accents, and mid-century-modern-style furniture.
12 p.m. — I basic my breakfasts for the week: steel-cut oats, attic milk, and a little baptize go into the crockpot to baker for four hours. Aback it’s done, I’ll action in attic for fibre and amber protein powder.
1 p.m. — I get W. to sunscreen me up and achieve in on the balustrade with my ebook. I abduct the cushions from one of the chairs to accomplish a super-comfy backup on our alfresco loveseat.
4 p.m. — We drive to our bounded No Frills for burger buns, sparkling water, bake popcorn, coleslaw, eggs, milk, butter, blooming tomatoes, anxiety peppers, blah on the cob, and peaches. There’s a acceptable auction on meat, so we get two bales of craven and three bales of chorizo. $100.74
6 p.m. — W. barbecues burgers, and we do rosemary-garlic chips in the air fryer. This is one of my favourite meals. After dinner, we sit out on the balustrade with sparkling waters, but it’s buggy outside, so we move aback to the active allowance for today’s adventure of Big Brother. We chase it with Parks and Recreation afore axis out the lights at 10 p.m.
Daily Total: $100.74
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12+ Awesome Bathroom Furniture Edmonton – Bathroom Furniture Edmonton
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