Mr. Polish and I have always had more than we needed. We were both blessed with parents who wanted us to have everything they were able to give us. Now that we’re parents ourselves, life seems to have gotten real.
I knew things would be difficult once we had children, but I didn’t know what it would look like. We both have degrees, and lots of debt (mostly mine) to go along with them. There isn’t a day that goes by that I don’t wish I had understood what I was getting into before I signed on the dotted line.
I never thought we would choose between paying bills, or buying groceries. I never thought I would buy a 10lb bag of potatoes, forget trying to eat healthy, and just try to feed us. I never thought our student loan payments would take so much of our income. I never thought I would decline party invites because we couldn’t afford to take a gift.
What I’m saying is this: losing income, paying for adoption, and being broke has made me a much more grateful person.
Just in case you’re reading this thinking that I’m okay with it, I’m not. I feel extremely guilty about bringing my student debt to our family, and not bringing more money in. I hate that we count pennies, and I hate that I’m so embarrassed about our struggles that I don’t talk to anyone about it. I hate that my husband has to work two jobs. I hate that we waited so long for Isaiah and can’t give him all of the things we’d like.
But I’m grateful. This has taught us that we can survive. It has shown us that the way we lived before was excessive, and what we used to think were hard times, weren’t so hard at all. I’m reminded that things can always get worse for us, so when I say my prayers, they’re full of thankfulness. Every time I start to feel like things are going from bad to worse, or I need to have a pity party, I remind myself of the things I do have. I have a home. I have a family. I have taught myself to be resourceful (hello reusing aluminum foil). I have learned valuable lessons that go back to our grandparents’ generation. While I haven’t gone as far as making my own lye soap yet, my grandma is ready to help me when it’s time.
When I feel like our dinner is sad, I remember a story she told me once about picky eating. She was born and grew up on a farm in the middle of The Great Depression. I didn’t taste a turnip until I was well into my twenties, and she was the person who made me try it. While we were discussing how it tasted similar to a potato, she told me that when she was younger there was no such thing as a picky eater. You either ate or you didn’t. She said that some days they had turnips for dinner, because that is what there was. You ate what was available. And you were happy with it.
So while things aren’t ideal, and here and there we may need to have turnips for dinner, we have each other.
We’ve survived every hard day before this one, so why should today be any different?
GOLD / nectarine / 2884 posts
Fantastic post! This time of life is so trying. We are establish careers, putting together a home, paying for our education, having kids…it is all such a struggle sometimes. Like last year, my kid will be enjoying Christmas gifts from ‘Santa’ AKA grandparents (same as his birthday). It is hard not being able to splurge on what other people consider to be the basics. But as you said, we have our family and that was the goal to begin with , right? Something I have to remind myself of every day!
hostess / wonderful persimmon / 25556 posts
It was very courageous of you to write this post. People don’t like to talk about money, especially when they’re struggling. I appreciate you doing so.
blogger / nectarine / 2600 posts
Hugs this was a wonderfully honest and beautifully expressed post. I
blogger / eggplant / 11551 posts
Such a courageous, well-written post. Thank you for sharing and reminding us what really matters. So timely too, given the spirit of the season!
guest
This is exactly where we are in life right now. Sometimes I feel guilty because even though I have a teaching degree, I choose to stay home with our two girls. My husband works so hard to provide for our family, but the student debt we’ve accumulated is enormous. Thank you for sharing your current situation. May God bless your family and I pray that you continue to have grateful spirit.
blogger / pineapple / 12381 posts
Thank you for sharing! I think your situation is very common but not often spoken about.
guest
Do you think this will affect your thoughts on your kids going to college?
I know that seeing the debt suffocating many of my friends has made me want to encourage my children to make sure that their desired career path even requires college – or consider what they want to do. I currently only have a son, but if I have a daughter who wants to be a SAHM, I would definitely encourage her to skip college and get training in something that will allow her to work until she has kids, but not go into debt.
eggplant / 11408 posts
Thank you for this beautiful post. It is *so* hard. We’ve struggled with this too, and it’s so important to remember to be thankful for what I do have, not just what I don’t. Sending you hugs!
pea / 14 posts
We finally sat down and looked at our budget since I stopped working and am now at home with our girl. It looks impossible. This post reminded me how it’s going to be okay even if we don’t have much of anything because we’ll have each other. Thanks for the reminder and for making me not feel so alone.
blogger / nectarine / 2010 posts
Kirsten: it has absolutely made us think about our children going to college. I have no doubt that things will be different by then, but we want to make sure to provide the best options possible and not encourage them to go to college just because they should.
@Mrs. Sketchbook: @mediagirl: @Mrs. Chocolate: @Mrs. High Heels: @Mrs. Jacks: @LovelyPlum: thank you
coconut / 8854 posts
Thank you so much for writing this post! This really hit home with me today. DH and I are struggling. We both have a ton of student loans, and worst of all, no degrees to show for it
We have been married 2 years now, and while I’m definitely ready to TTC, we aren’t ready financially
It’s so hard. But for this post to ring true in my heart, we have a home, we have each other and our awesome pets! One day we will know it’s time for us to reach the next point in our lives. For right now, I will still remain thankful
pea / 23 posts
this is so raw and real and relevent! and soooo totally me. I work because I have to. Because after the twins were born I stayed at home for a year until we realized that it just wasnt working financially for us. We cut back on everything that we could think of… aside from putting our house on the market. I hate that I can’t be home with my kiddos but I have come to terms with it now and I know that it isnt permanent.
Thank you for this! Its always nice to know there are others out there and to be reminded to be thankful for what we do have!
GOLD / wonderful pomegranate / 28905 posts
Great post!
My mom tells me stories all the time of. How she would eat rice with soy sauce for dinner. Or rice with half a 1″ cube of tofu. I think she might’ve exaggerated a bit for effect. LOL
hostess / wonderful apple seed / 16729 posts
Thank you for writing this. Great post. I’ve been there where I thought I was drowning in debt. We are gearing up for an IVF soon so a big chunk of our savings will go to that. Just know that I’m thinking of you. Infertility is expensive and it sucks that we have to pay so much to have a child that others can have for free. It’s a great way to think of how you much you’ve struggled and how you guys are still making it work. You are strong and you’ll get through this.
hostess / watermelon / 14932 posts
hugs!
I also think this is a very relevant post. More common than not, these days, I think.
@Kirsten: I wish someone had helped me in that way! I only ever wanted to be a SAHM, but college!college!college!college! was all you ever heard. had I worked and not accrued massive amounts of student loans (for a degree I am not even USING!), we'd probably be in the same life situation BUT doing better financially. But the whole feminist thing tells women they have to get a degree, get a job – some women actually do want to just stay home. Men, too – my husband didn't go to school but is in an established, licensed trade, but getting right into the work field.
blogger / pomegranate / 3300 posts
Thanks for writing this. It’s very courageous of you to put yourself out there. Thank you Mrs. Polish.
GOLD / cantaloupe / 6581 posts
Thank you so much for writing this. I’ve actually been toying with the idea of adopting our next child, but the financial aspect of adoption is terrifying. I’d love it if any of the adoptive mom bloggers could speak to how in the heck they paid for it all.
Anyhoo, thanks for writing this; it’s so brave and I wish money wasn’t so taboo of a subject… I know I’ve felt very alone when we struggled, but I know that’s not really the case.
blogger / persimmon / 1398 posts
I love that you wrote this. LOVE. So many struggle with this at one time or another… and it was wonderful of you to stand up and be counted.
blogger / pear / 1563 posts
Thank you, thank you for sharing. Hugs to you.
grapefruit / 4770 posts
This is a courageous post, and many people are struggling but either afraid or embarrassed to talk about it.
clementine / 984 posts
Wonderful and real post, Mrs. Polish. Thank you!
And as a kid who did grow up without everything we wanted (and even some of the things we needed), I can tell you that our family is super close and strong and we don’t hold anything against our mom. That my mom loved her kids and made the best of what we did have and that she taught us to be thankful is really what we remember about growing up, not the turnips.
nectarine / 2631 posts
My parents talked about this to me just couple months ago when I was feeling down that DH, LO and I were/are struggling financially. My mom said there were times when we were growing up that they didn’t know how things were going to get paid, or where the next paycheck was going to come from (they are both self employed running business- neither knew what their weekly take home would be) and we never knew (my brother and I). We always thought my parents were rich – turns out they just did a great job covering it up so we never had to see them struggle. I appreciate that they did that and look to them for advice on how to get by as the person who is struggling.
blogger / kiwi / 675 posts
This is so beautiful Mrs. Polish, you’re bringing tears to my eyes. I am right there with you. This year has been hard financially for our family as well, we’ve had loads of hospital bills on top of trying to finish our student loans out. Thank you for being so honest! In the past few years I have learned how to fix things, stretch a meal and a dollar and I think my grandparents would be proud. My dad told me a story of my grandmother’s family having one potato to feed a family of 5 one evening. Your post is a beautiful reminder to me to keep my thoughts in check. Lot’s of love to your family. All you guys need is each other and your love. I know you are an amazing mom. xoxo
blogger / pomelo / 5361 posts
Thanks for writing this. While we have good incomes, we have huge gigantic amounts of student loans that take a giant percentage of our take home pay. It’s really frustrating to feel so crippled by debt, but I love your overall attitude about it. This week we had mac & cheese and chili all week because it’s what we could get for the money we had left for groceries. I guess mac and cheese is my version of turnips!
Thanks again for being open about this.