financial future

Last night Trevor and I sat down for the third time with a financial rep to look at our financial needs analysis. It's a relief to know that we are in good shape. We are not saving for the kids to go to college because we can't. We are living on two-thirds of Trevor's income and saving one-third. We have one car and I stay home with the kids. I always thought I would be working, but that's not what is happening. Sometimes I wish I was working and no doubt the kids do too! We make due with what we have--the kids are in cloth diapers and Trevor has found someone to carpool with twice a week. We wear sweaters and sweatshirts in the winter and there is no air conditioning in the summer. Last summer I stopped using the dryer, except to "decrunch" items. Now, my daughter asks if things are crunchy as she pulls them off the drying rack, which takes up a large corner of the dining area. I will blog at great lengths about the love I have for my drying rack later. Right now, I need to see who's crying and take comfort in the fact that although we will not be paying for their college education, we will not be dependent on them to take care of us!