Hopeful Thoughts


Archive for the ‘Saving’ Category

Is it time to say “hang on” or “good-bye”?

carThis is my car.

Almost exactly 9 years ago, I bought this 1996 Toyota Camry.  It was my first big purchase as a “real” person after I started my first teaching job.  I was so proud of it!  Even at 5 years old, it was still gleaming white and ran like a dream.  I was so proud to have a “new” car.  It was the nicest car I had ever driven, and nicer than anything else my family had at the time.  I was living in North Carolina back then, only about a mile from my parents house.  I would pick them up for choir practice on Wednesday and church on Sunday just to enjoy driving my new car.  I remember the sense of accomplishment I felt a few years later when I mailed the last check to the bank and received the title.

Now my baby is 14 years old and showing signs of it’s age. The paint is chipping, the front end is dinged, the dash lights don’t work, the brakes are bad, the CV joints creak, the timing belt is wearing down, there’s a crack in the wind shield … I could go on and on.

We’re at the point now where it’s going to cost us money to keep it.  I finally broke down and took it in to the repair shop today because the brakes are so bad that it’s no longer safe for me to drive.  (Not cool since I’m pregnant).  It’s going to set us back almost $300 to fix them.  That’s a car payment!  While they had it in the shop, they ran into several other issues, all of which I was already aware.  They told me that we could get them all fixed for around $1500!!  Ouch!  (Boy do I miss living 1 mile from my daddy!!)

At this point, the brakes are the safety issue, so that’s what we had fixed.   The rest we are just going to have to live with for awhile longer until we decide what to do next.  It’s just a struggle to know when it’s best to “fish or cut bait”.  If we spent the money, the car would probably last us a few more years.  If we have to spend $300 a month on a car anyway, we might as well have a new one.  Neither choice is a bad one, but it’s a choice that we have to make for our family.

Have you ever been in this situation?  I’d love to hear what influenced your decision.

Why Cloth Diapers?

As most of my dearest friends already know, we are choosing cloth diapers for Baby Inselmann.  It’s been amazing to me to hear all of the opinions that people seem to have about cloth.  My goal here is to help people understand my reasons.  Feel free to make your own opinions, but here are mine!

Reason #1) The Environment

Cloth diapers reduce the amount of waste that I will be adding to the landfills.  I’m choosing organic cotton, so their production is even more friendly to the environment, and since they are cotton, they should degrade more easily when the few dozen diapers that I have do wind up too worn for use.

I’ve also taken the contamination of the water by detergent into account.  By the time I begin cloth diapering, I will have switched to a natural detergent that is low in cost, safe for sensitive babies, AND BIODEGRADABLE.  It’s even certified safe for SMALL bodies of water.  Too cool!  Check out Charlie’s Soap for yourself!  It’s amazing!  (A clean rinsing detergent is really important, as most detergents cause build up in fabrics over time, which can decrease absorbency of your diapers).

Reason #2) COST

My needs for cloth diapering will include the following (which I will be ordering from this site):  4 newborn covers at $11 each; 1 dozen newborn size organic cotton pre-folds for $25; 1 Dozen small covers and 3 dozen pre-folds,  FREE from my awesome sister;  8-12 Bummis Medium covers at $12.25 each, $98-$147; 3 dozen Medium size organic cotton pre-folds at $35 per dozen, $105; and flannel cloth wipes that I made, cost is for materials, about $8.   The newborn size diapers will also serve as doublers to increase absorbency for night time use, so that will be one less thing to buy.   The cost per load to run my washer and dryer is about $0.75, plus a bit for detergent, so we’ll say $0.90 per load.  This means I’ll spend about $94 on the extra two loads of laundry I’ll do each week for a full year.  That gives a total cost for diapering of about $423 for a whole year.  Assuming I diaper for the second year, too, I’m only adding the cost of another year of laundry, so we’re talking just over $500 for two full years of diapering.  If we have another kid, we only add the cost of the laundry since the diapers can be used again and again.

Disposable diapers seem to sell for about $0.40 each, depending on the size.  I did an average cost of the smallest and largest per diaper cost to get this number.  I got my information from a bulk package that was on sale at diapers.com, just to be fair to those who shop cheap.  Estimating a use of about 8 diapers a day, this would cost $1168 per year.  Not to mention what will be paid for the wipes, which run about $0.03 each.  Using 1-3 per diaper change would work out to about 16 per day, adding another $175 to your diapering total for the year.  We’re at $1343 by now.  Over the course of  two years, we’ve spent close to $2700 on diapers!

Looks to me like I’m saving over $2000 by choosing to cloth diaper my one kiddo!  If we have a second, it’s even more!  What could I do with $2000????

Reason #3) Better for Baby

There are always exceptions to this sort of reason.  I know plenty of kids who’ve worn disposable diapers and haven’t had any diaper rash problems.  However, overall, babies in cloth diapers experience less skin irritation than those in disposables.  In addition, many sources show that kids in cloth tend to potty train sooner than those in disposables.

Reason #4)  They are EASY to use

Cloth diapers have come a long way since my mom used them on me.  You can still use pins and plastic pants if you like, but I’m not!  I will have an extra step when compared with disposables in actually putting on the diapers, but it’s really not that big of a deal to lay a cotton pre-fold into a cover before closing up the diaper.  We’re getting covers with hook and loop tabs, so they will be just as easy as disposables to put on.

As for washing, that’s easy, too!  Since I’m choosing to nurse, we’ll be able to throw all of our diapers right into the pail without any rinsing.  Nursing poop washes out just like yogurt!  We’ll be lining our pail with a waterproof, washable PUL bag.  On washing day, I’ll simply turn the bag inside out into the washer, leave it in the washer, too, and I never have to touch the dirty diapers.  I’ll run a cold pre-rinse, a hot wash, and an extra rinse at the end, then toss them all in the dryer.  You really don’t have to fold them, either.

Once Baby starts on solids, we will have to swish the solid waste out in the toilet.  Provided you do this ASAP after taking the diaper off the munchkin and BEFORE tossing it in the pail, this is really not a big deal.  It’s waiting that causes the big stink!  Personally, It’s worth it to me to swish poop if I get to keep my $2000!!

I hope that this blog has been helpful.  I’m excited about our decision and can’t wait for the little guy to get here!