Anonymous wrote:I'm completely befuddled. You have a high HHI. I honestly don't understand why you are freaking out? (No offense, but your post outlining drastic and unnecessary budget cuts really make you sound unhinged.)
We have 4 kids. FOUR. And our HHI is $170.
I understand your fear of the unknown. I understand tightening the belt a bit until you get used to the new situation. But cutting cable and dropping phones? Ridiculous. FTR, we have cable and phones with 4 kids and a HHI of $170.
We are also saving for retirement and college (albeit state schools unless they get huge scholarships). And the kids play sports, and we travel (on airplanes!).
Are you blowing money on random things? Expensive cars and big mortgage? Do you have student loans?
Assuming you are from DC, the one thing I might do in your situation is dump the vacation home in Ohio. Maybe the proceeds could be invested and help you guys chill out a bit about your money situation?
I think the key word you're missing in OP's post is "unexpectedly." As in, they have an actual child dropped into their family that they didn't plan for. That requires some serious thought about finances. Try to have a little empathy here.
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