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We are maintaining right now, we were hit hard a couple months ago and are recovering financially from that. We aren't struggling but we have put a very tight budget in place to help us recover before the baby gets here and I'm on unpaid maternity leave.
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We're comfortable. DH is military and I'm a SAHM but we live pretty frugally. We manage to have enough to live day to day and still buy things when we want them plus put away a decent chunk in savings every month.
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Maintaining. We're living on one income, and it covers expenses but we aren't saving any money. I hope I can start picking up more work in the fall so we can start saving for a house!
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I would say we're comfortable, we have some student loan debt and car payments, but we're still saving a good chunk of money each month for a down payment sometime in the near future. We're both looking at hefty raises in the next few months, but since we actively TTC, we've decided to continue to live like we are and start saving some "baby money" for childcare/expenses/etc.
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Right now we’re comfortable but it feels like we’re struggling. With both of our incomes we have plenty of money in the bank, are paying bills, etc. However, we’re in the process of buying another home and attempting to rent our current home out so if we don’t get a renter in by the time escrow closes we’ll be paying the mortgage/utilities for 2 homes. With me still working it’s manageable even in those circumstances but once the baby is born we will be struggling/maintaining. It feels like we're struggling right now because we're watching every penny in preparation for what's to come. I’m very grateful that we have no debt (other than our mortgages….cars were paid for in cash, no CC debt, student loans paid off) though so there’s at least that.
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i would say we're maintaining, because we live happily and never go without. we always have full bellies and warm water. we have internet and cable, and occasionally go shopping and eat out (cheaply).
that being said... i think that if most of you were living my life, you'd consider it struggling.
i guess it's all perspective.
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Maintaining, it was very different switching to just 1 income, but we aren't struggling & are fairly comfortable. I am grateful that I can stay home right now
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we were fairly comfortable, however, we didn't save as much as i would have liked when i was working before DS came along. now we are definitely maintaining since i've been on disability and took the extra 4 weeks for the 12 weeks after DS, so the last 4 have been/will be unpaid. plus we ran into some unexpected expenses that we couldn't ignore(drainage in the backyard, duct work in the house for heating)
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I voted for maintaining, because struggling sounds dire. We have good jobs with steady income that covers all our expenses with some to spare. We always can pay our bills and generally do the things we want, although we have to be frugal.
Having said that, I think a lot of you would think we qualify as struggling, since we live paycheck to paycheck. We have pretty much zero savings right now, and we had to take a no interest paycheck loan from DH's job recently to finance our move. I just got a new job though and my income went up quite a bit, so I hope to start saving a lot more.
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At first, I would say maintaining because we are not saving like crazy. But, we budget for everything, have a lot of assets we could easily sell and nothing we are deprived of. So compared to most and with our very simple lifestyle/ expectations I voted very comfortable.
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I voted for very comfortable at this point in time but give it six months when Baby has arrived (due October) and my parental leave payments have run out I imagine we'll swing somewhere between struggling and maintaining.
At this point in time we have a good super fund (DH is military) and just over $20k in savings as well as being a two income family and the only debt we have is our home loan which sits at just under half the capital value of our home.
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