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September 15th, 2018 at 02:48 pm

Well we had to add some debt to our race as we purchased a new vehicle to fit our growing family!


After 11 years of dealing with infertility, I am finally expecting for the first time in my life! We are over the moon happy!!

Babies are expected around Jan/Feb 2019. We had another ultrasound a few days ago and both babies look great and are right on track. Only issue is I did test positive for gestational diabetes, but that was not a surprise as my entire family has diabetes, so I was a prime candidate for that. Meeting with nutritionist soon to get that under control.

Obviously we will have a lot of financial changes that will come with the babies. For now we are getting what we can for hand me downs from friends and family (my SIL basically emptied out her entire basement into our truck, cause her youngest is 4 y/o and she hasn't gotten rid of ANY baby stuff, so she just wanted it all out of there!) and also watching for good deals on FB and at rummage sales. We don't know gender yet, so haven't been getting a lot of clothes, but I do have a double stroller, swings, bouncers, pack and play, some diapers, high chair, 2 cribs, changing table, and a bunch of other baby gear already.

We purchased a Ford F-150 Lariat Ecoboost, this will be big enough for us to fit two adults, two car seats, our 2 dogs, and all of our stuff (luggage, softball bags, dog kennels, baby stuff, etc.) can go in the truck bed. Since we live an hr from town, whenever we go anywhere we usually have to bring the dogs and all the junk, so we needed something with a lot of room, and I didn't want to have to be climbing into the back of a mini van or SVU to dig out kennels and pack and plays etc. We love the truck and are not driving it much at all until babies get here. We are happy that everyone will be safe and comfortable. We will keep driving our old vehicles until we need the room. My Mom was generous enough to loan us money again. We added the $26K for the truck onto the current Mom Loan, but I did separate out the lines so I can see when we actually finish Mom Loan #2 (HELOC) and start paying on Mom Loan #3 (Truck). Our payment will not change on the loan at this time, once we have a better budget idea for when the babies are here, we may change our payment.

Here is our debt update for 9/14/18

Celebrations for this update:
-$873.48 paid off in the last 2 weeks!!
-Store Loan went under the next $1000 mark!!
-Total Debt went under the next $1000 mark for the 7th update in a row!! (This is a record for me!)

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
Store Loan $4,902.01
Mom Loan #2/#3 $38,152.98
MO Mortgage $82,220.71
My Mortgage $146,600.00
Our Mortgage $243,082.65
Total = $514,958.35

Down $873.48 in the last two weeks!

Starting total was $613,351.27
$98,392.92 paid off since 6/19/15 (including downpayment on house)!!!!!

27 Responses to “I'M PREGNANT!!!! WITH TWINS!!!”

  1. NJDebbie Says:

    Woot woot!! Congrats to the both of you. What a blessing.

  2. MonkeyMama Says:


  3. AnotherReader Says:

    After everything you have been through, this is just fantastic. Congratulations!!

  4. snafu Says:

    Whoooo Hoooo Big cheer! Wonderful news, congratulations to you both. What enormous change in your lives. I can't work out what words will explain how much noise will become part of your lives. I've twin brothers and I'm sure everyone's offering to help. Be sure to say yes, yes yes and keep a list of people who genuinely help.

  5. creditcardfree Says:


  6. Petunia in a Flower Garden Says:

    Congratulations Banker Gurl! So happy for you!

  7. Wink Says:

    So happy for you!!! How wonderful!!

  8. Michele Says:

    Congratulations. I have 20 year old twins. Let me know if u have any questions. Some advice that we did. Buy diapers now each week and start saving now for their college. So glad we did both. Congrats again

  9. CB in the City Says:

    Congrats, Banker Gurl. So happy for you!

  10. Dido Says:

    Mazel tov!!

  11. ceejay74 Says:

    Amazing!!!! Oh, I'm so happy for you!

  12. Andrea Says:

    So excited for you! Congratulations. :-)

  13. Jenn Says:

    Congratulations! I have 14-year-old twins and your news brings back memories.

    You don't need 2 of everything, but for some things, it really helps: high chairs, cribs, swings, & exersaucers. See if there is a moms of multiples group in your area and if there is, reach out now to attend a gathering. Not only do they have great advice, but they may provide meals after you deliver and/or gear. One woman in my group gave me many tubs of matching outfits for my twins.

    Take Snafu's advice about accepting help. If I could go back, I would hire help so I could get more sleep and enjoy the babies more. The babies didn't always sleep at the same time, and they nurse frequently (x2). It felt like torture: when one would finally start to sleep, the other one would cry with hunger!

    Take very very good care of yourself now because twins usually come early. Make sure you get as much nutrition in them while you can -- super super healthy foods.

  14. dh Says:

    Oh such wonderful wonderful news!!! I am thrilled for you!!!

  15. rob62521 Says:

    How terrific for you! Congratulations and many blessings!

  16. mumof2 Says:

    Congrats my niece is pregnant with identical twin boys due jan...but they think they will be here december...its real exciting...funny this will be the second set of identical twin boys for my sisters children and there are no twins in the family...but will be the 3rd set of twins in the family

  17. Banker Gurl Says:

    Thanks everyone for the congrats and the advice!! We are very excited!!!!!

  18. frugaltexan75 Says:

    Many congratulations!

  19. LuckyRobin Says:

    That is just wonderful news. I am so happy for you. May you have a healthy, joyful pregnancy.

  20. Debt-free by Thir-ty Says:

    Congrats! Super exciting news!!

  21. Laura S. Says:


  22. Petunia 100 Says:

    So happy for you, Banker Gurl! Congrats. Smile

  23. Debtfreeme Says:

    Congratulations! Such exciting news. Wishing you a healthy pregnancy and safe delivery.

    I second the buying diapers now. Babies will go through a lot daily times two! We always try to have at least 25 packages of 1/2’s for new moms (family and friends) and with twins maybe the smaller size. Lots of diapers now and thank goodness for amazon prime delivering them right to your door.

    Is there a moms of multiples group in your area? A great resource for all kinds of things.

    And lastly, lots advice will come your way. Take what works for you and your family and toss what doesn’t. This is such an exciting time!

  24. Banker Gurl Says:

    Thanks again everyone! Yes I did join a parents of multiples group on FB and it's been a good source to see what is available out there. I wanted to start buying diapers right away to get a stock pile going, but haven't seen much for good deals. I think I will just have to jump in with a pack here and there for now until I find the deals!

  25. livingalmostlarge Says:

    OMG so congratulations! What wonderful news and so many blessings! Good luck and I stockpiled enough diapers for my first for 2 years. Then she was potty trained and I had a second. I didn't look for deals after that it was too hard.

  26. mumof2 Says:

    Maybe you can have 1 of those diaper parties I have heard about instead of a baby shower they just buy diapers instead of other gifts...might be a good way to do it..my niece has twins and she didn't know she was pregnant till 6 weeks before they were born..also had one that was 11 months older than the twins and another one who turned 2 the day after the twins were born 4 kids in 2 years she was real busy but she loved it and she went through a ton of diapers everyday...good luck..babies are such a blessing...and you get blessed twice...so happy for you

  27. VS_ozgirl Says:

    Congratulations!!! That's wonderful news!!! All the best for a good pregnancy Smile

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