Nora has always been an awesome eater.
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| Cake was deemed “a-ok” with her on her birthday |
I don’t know how it happened, but Nora is suddenly looking less and less like a baby, and very much like a little girl. She has changed so much in the last few months. As we went into the summer, she was still this petite, semi-squishy baby, and now she is JUST SO GROWN UP. I look at photos from June and July and it almost doesn’t even look like the same kid.
:::sobs:::
Maybe it’s those two front teeth?
We took a little bit of time on Sunday to visit a pumpkin patch. The weekend was mostly rainy, but the sun was shining bright for a change, so we took advantage in order to get some photos. Check out my big girl at the pumpkin patch:










The countdown is on. This beauty shall be mine:
There are things that I don’t like to pay for. Well, honestly, is anything really fun to pay for?
I won’t lie; I get a certain satisfaction out of knocking off bills every month–but it would make the process infinitely better if, you know, there was an endless supply of money in the ol’ bank account. But, like most people, I have resigned to the fact that the very reason we work in the first place is to be able to pay for things, so unless it’s an especially “tight” month, I don’t find paying bills to be particularly horrible or stressful. Still, there is one particular bill that has been weighing heavily on my mind, and really bothers me.
Life insurance.
Up until last month, the only life insurance policies Michael and I had were through our employers, given to us as part of our benefits packages. We always figured that at least we had some kind of life insurance and left it at that. But once we bought our new house, with more expensive bills, it dawned on me that if something were to happen to one of us, it would be really difficult for the other person to continue to carry the house and its expenses on their own. And, of course, we have Nora, so we have to consider her financial well-being, too.
In August, we were shopping around for homeowner’s insurance for our new house, and to keep things easier (and get a discount), we moved our auto insurance over to the new carrier as well. At the time we signed on the dotted line for all of that, the insurance agent (of course) mentioned that we should consider life insurance policies. We were a bit overwhelmed by all of the changes and preparing for the closing on the house, so we said that we would revisit it once we were moved in and (somewhat) settled.
In September, the insurance agent came to our house and discussed our life insurance options with us. We were really unsure of what to expect in terms of cost–but I will say that I was a bit shocked at how pricey life insurance policies are. Even so, we knew it was important to have, so we signed on the dotted lines and put ourselves through the screening process.
But now, I just can’t shake the feeling of how much I hate to see that money go out the door every month. I mean, paying for any kind of insurance is no picnic–but at least with health, dental, and car insurance, you actually USE it. Or have a pretty good chance of using it. It’s disturbing to know that with life insurance, the only time anyone will ever benefit from it is if one of us dies. How pleasant is THAT to think about?
I question the need for it, honestly. We took out policies that would allow the widowed spouse to pay off the mortgage, and leave some extra money for Nora. We figured that the policies through our employers (which disappear if we leave our jobs, obviously) would be more than enough to cover funeral expenses, and provide a little extra cushion should we actually find ourselves in the worst situation ever. But now I’m thinking, do we really need THAT MUCH insurance? I still maintain that it’s smart and responsible to have it, but how much life insurance do we really need? Because seriously, that money that is being deducted from our bank account every month? We could use it for a lot of other things.
I don’t want to fall into the “it could never happen to us” trap, because let’s face it–at our age, no one expects to lose their lives. It’s better to be somewhat prepared for it, right? To protect our little family, and our precious little girl?
What say you, friends? I’m interested in hearing from those with kids AND those without. Do you pay for life insurance? Stick with “free” policies given to you through work? Roll the dice without any at all? What are your reasons for going the route you’ve chosen? And if you do pay, are there any tricks to turning off that little voice inside that says “this is such a waste of money”?
In retrospect, maybe our mistake in all of this is that we just didn’t shop around enough. We figured we’d be getting a good deal through our insurance carrier, but we really don’t have anything to compare it to. I find myself wondering if what we’re paying is actually a decent rate. Maybe I should put some inquiries out there to see what we could get somewhere else.
And now that I have sufficiently depressed everyone by talking about morbid life events… I apologize. :)
Well, hell. A week gone by without blogging.
It’s not coincidental that the last time I blogged was last Monday–that was the day before all hell broke loose. Last Monday, our family room project still looked like it was going to be complete by the weekend. Even after experiencing a setback, we were in good spirits because we had busted our asses all weekend, were back on track, and were moving forward.
Then, Tuesday night, things fell apart and I pretty much had a nervous breakdown.
Long, long story, but essentially, we got primer and both coats of paint on the new ceiling before we realized that things weren’t looking quite right. Each joint (the seams) where the pieces of drywall came together was producing what appeared to be shadows when looking up at the ceiling. Needless to say, it kind of looked like shit. Imagine your nice, smooth ceiling (that you have worked SO HARD for), but with shadows criss-crossing their way over it, making each individual piece of drywall stick out like a sore thumb. It wasn’t going to fly.

And at that time, I just really wanted to crawl into a hole and die. Dramatic? Yes. But holy hell, to know that all of the blood, sweat, and tears that had already gone into that room were for nothing was just devastating.
Thankfully, we have great people in our lives, because our friend Pete came to the rescue, spending Thursday and Friday at our house fixing it for us. I am still too scared to proclaim it all a success, but I will say that we’ve put primer and one coat of paint on the ceiling so far, and things are looking much better. We are working hard to try to get the room painted and ready for the carpet guy to FINALLY come to install the new carpet on Friday so that we might POSSIBLY have a real live FAMILY ROOM this weekend. You know, with a couch to sit on. And carpet for the baby to play on. And a TV with a DVR (hooray!). I don’t even remember what it’s like to be able to relax on a couch with a glass of wine. I have big plans for reacquainting myself with that, though.
Still, I’m so traumatized by all of the setbacks we’ve experienced that I’m afraid to get my hopes up. BUT we’ll see. If there’s anything we’ve learned been reminded of so far, it’s that things just NEVER go as planned. Why is that? It is just so defeating. It makes me never want to take on any home improvement project ever again, which is a shame since we have a houseful of them. Maybe it’s kind of like childbirth–I just need some time and distance to “forget” what a pain in the ass it all is before taking on something else. Which is hard when you have a half-finished kitchen project staring you in the face every day.
Baby steps. I’m trying to take baby steps.
About
I'm Heather. I'm 33 and have been married to Michael for seven years. Together, we have two beautiful little girls we love more than anything, and a miniature dachshund who drives us crazy. I'm a full-time working mom who has very little time for my own "stuff" these days, like home improvement, cooking/baking, cake decorating, and photography. Despite the team not making the playoffs since 1999, I'm STILL a Buffalo Bills fan, which I think speaks to my loyalty AND sense of humor. I can't wait to pick up the pace with travel again some day... you know, when we're done being ruled by tiny fists. Welcome to my blog.The Address
heatherdriveblog@yahoo.comHeather Drive Archives
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