I found out I was pregnant in February 2008.
Between February and M's birth in October, we saved $3,779, or roughly 19% of our take-home pay during the period we were saving. My plan was to estimate our lost income and medical expenses and save double that amount.
- $900.15 in medical expenses (these include all of the West Nile hospitalization expenses, because I'm not sure how to separate them, plus I think the birth cost less because we'd reached our deductible by that time)
- $1131.95 in lost income for my maternity leave
- $251 in "stuff" to prepare for the baby (okay, obviously we spent more than that, but this is what wasn't cash-flowed out of our normal income)
- $507 just by not being on a budget during my maternity leave - lots of eating out, fancy coffee, etc.
We still have $988 left from what we originally saved. Wa-hoo! The plan? We'll sit on it until after Christmas, to make sure we have enough in case we're surprised with any medical bills or other expenses (plus to cover readjusting back to our normal budget), then use it to pay down debt!