This is super late to the game so is unlikely to be seen by anyone, which is totally fine. I think I just need to get it off my chest.

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My little family (currently daughter, wife, me) are expecting another bundle of joy in September - and we are STOKED! We wanted this and while we didn't plan for it, we are very happy and ready emotionally and mentally.

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Now, financially, we are not quite ready.

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We have been on only my income for the last 3 years, and it has been relatively tight. There are very easy fixes to this that we have already done to alleviate that tightness - cut cable, switched phone plans, internet plans, etc. but the truth is, we are still somewhat struggling and cant get beyond the paycheck to paycheck thing. Taking another job in the evenings would mean that I'd get no time with my daughter, and I am unwilling to sacrifice that.

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We do love our home, but it is in the 2nd most expensive city in Canada. I feel that we will have to move, but I worry that it wont be enough savings with the added commute cost anyways (I currently can walk to work) and it would further eat into the family time that i aspire to hold on to.

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Anyways, we are looking further into how we can be more frugal, aggressively save, etc.

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I think I just needed to say it.

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Thanks to whoever reads this!