Budget & Finance

And That’s Why We Will Always Live in an Apartment

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We were in Michigan visiting family this past weekend and talking about all the little expenses that come up throughout the school year. I mentioned school pictures being $62 for two kids for just the CD with the digital image and the class picture, paused, and said, “…and that’s why we’ll always live in an apartment.”

It became a running joke through the afternoon. I talked about sending them to an additional camp next summer but worried the price is so much more than the regular camp they attend during the summer now….and that’s why we’ll always live in an apartment.

The expenses of having children are going to increase at a rate that feels like it will outpace Mr. Brickie’s earning potential during those same years. If it were a graph you’d look at it, nod your head, and say, “…and that’s why they’ll always live in an apartment.”

If we were to consider getting a house we would have to save up a down payment. We would have to pay earnest money and (possible) closing costs. We would have to decorate the place or at the very least paint the bedroom and kitchen. All of that costs money and if that money is going toward a house it’s certainly not going toward our kids. Plus, we would have to save for things like a broken water heater or replacement lawn mower. Even if we used the emergency fund you still have to pay yourself back for the next emergency.

These are the years. The important ones where the tweens start to make real decisions that have a lasting effect. I want to make these years the ones that matter in terms of extracurricular activities. They should be exposed to a whole bunch of amazing people doing really cool stuff. Summer camps where they learn to code mobile apps and take courses in electrical engineering. Where they learn that tech and science are fun and full of wonder and imagination. I want to send them to art camps and writing camps, too, so they can harness their fears and feelings into stories and colors.

The only priority I have outside of the kids is paying off credit cards and having a six-month emergency fund. I can pay off the student loans after they’re out of college if I have to. If I can swing it sooner, great, but I’m not feeling any pressure because I’m fine having them as a pet until my hair is gray and stairs become a challenge as long as it doesn’t get in the way of my parenting.

Oh, there is one other priority that is kid-adjacent. ¬†We are going to save up so for the experience that will be my brother’s Disneyland wedding in November of 2017. We want to stay for longer than just the wedding so the kids can have some fun. I want to do the VIP tour guide thing so I don’t have to wait in lines or figure anything out. Of course it’s crazy expensive but I figure it will be our one and only Disney trip so might as well make it an affair to remember.

….and that’s why we’ll always live in an apartment.