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[quote=Anonymous]I made $90K Dh made $80K and I have $$$ ale school loans. We moved further out and bought a townhouse with a FHA loan. We do not take fancy vacations. We eat out more than I’d like as a function of commuting 3 days a week (telework other two) but we don’t go to fancy places.

Our toddler does a $100 three day ballet camp in the summer but no sports or ballet during the year. She goes to the community center preschool three days a week for $193 month. We pay my mom to babysit the rest of the week. No $1800 primrose here.

Vacations are to Virginia Beach using free hotel nights since my husband travels frequently as an auditor. We usually stay two nights. We get the continental breakfast and eat local. We have been to Disney once when DD was two so free ticket for her. We went with my family and got a condo twenty miles outside Florida for $400 for the week. Everyone chipped in for tickets and we used cash back points to get two days of magic kingdom tickets. Hung out at the pool and went to Disney springs other days.

We were saving $25 a month in her 529 but decided to stop and focus on my law school loans first and will pick that back up in the future. We put $300-$500 a month in emergency savings each month. That was non-negoionable to me. Which, I’m glad I did because I had to leave my job at 3 months pregnant and was not FMLA eligible because small company. We used 3 months of our emergency savings but at least didn’t have to put it on a credit card. I go back to work in the new year at a new job.

We honestly try not to spend a lot on big ticket items. Keep our cars forever and well maintained. My 2001 Honda finally died and we bought Dh a 2018 Volkswagen Passat the deals were so ridiculously good. They also threw in five years of VW care so oil changes and service are covered. I’d say the biggest thing we are “missing out on” are nice vacations, luxury dinners (we use points for anniversary dinner at someplace nice in the city), and I shop everything on sale. Like I shop at macys for work clothes but buy things on sale. I may get my nails done once a month or so. [/quote]

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