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Twins—Making the Most of a Tight Budget

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The first time we went to the doctor after we found out we were pregnant, there was one healthy heartbeat, and everything looked great. And then, the second appointment we went to, it showed two little dots on the sonogram.

Surprise!

Before we had kids, our life was pretty carefree.

We went out to dinner. We traveled.

Very spontaneous

We started thinking about saving for college and planning financially, as a family of four, maybe midway through my pregnancy. We started just thinking about the things that we wanted for our kids, and the experiences we wanted to be able to offer them.

Before I had the twins, I was working full time.

When I went back to work after my maternity leave it was really stressful. We still weren’t getting a ton of sleep and five months after, I was laid off.

When Kristin received the news that she was laid off, we had to make some lifestyle changes. And we had to sit down and really kind of bring ourselves closer to one another and look at the finance side of it all and evaluate our priorities. And our number one priority is family, so we had to make sure we take care of that.

I work for myself and I work from home.

We're not as stressed trying to keep up with the Joneses. We're just doing what we know we can do, and it's been better for us as a couple.

A lot of our friends have commented that we seem happier, because we've identified what is realistic for us right now, financially.

Long-term, we would still love to buy a house. I just don't think we're putting as much pressure on ourselves to do it so quickly.

We made the decision to open college savings accounts for our kids when they were born. We've kept that as a focus, despite all of the turmoil with our own finances. And we’re really proud of that.

If I've learned anything, it's that life doesn't always go according to plan. But that doesn't mean you have to throw out your plan. You just have to simplify it and make it work for you and your family.

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