A Big Announcement – My Wife and I Are Expecting!

by Ryan Guina

My wife and I have some exciting news to share – we are expecting our first child! We’ve known about this for some time now, but we wanted to wait awhile before announcing it to our friends and family, then I waited awhile longer before announcing it here. Needless to say, this will be a huge change for us, but we are both excited about becoming parents for the first time!

Changes are on the way!

I’m sure that can easily be rated as the understatement of the year! Aside from a lack of sleep once the baby arrives, I’m sure the rest of my life will change as well. There will no longer be a quick trip to the grocery store – the trip that used to take 30 minutes round trip will take 30 minutes before we get out the door. Sleepless nights will be the norm, I’ll worry when our child gets sick, and I’ll wonder if I’m being the best father I can be. I’m sure I’ll worry more in the first three months of our child’s life than I have in the past 3 years. And I can’t wait. Because that also means I get to watch our child grow up. I get to teach our child and help form a new life. I don’t think there is any greater responsibility than that. But those aren’t the only changes coming our way…

Changes to our personal finances

Our baby’s arrival will mean big changes for our finances as well. For starters, we are currently a two household income, or three if you count my small business. But once we have our child, my wife will quit her job to become a stay at home mom. Thankfully, we’ve been planning for this since we were married and we have a plan in place.

Shortly after we were married, my wife resigned her Commission in the USAF, and took a lower paying job that offered a different challenge, and more importantly, increased stability. It was a big pay cut, but in the end, we decided that our quality of life was much more important than money.

This time the decrease in pay will be much larger, but now we have an additional income from my small business. In addition to our income situation, my wife and I have eliminated all consumer debt – the only thing left is our mortgage, which is a reasonable amount. We have also spent the last few months working on building our emergency fund. We want to have plenty of cash in the bank because I am sure many unexpected expenses will come with our little bundle of joy!

I’m sure there are a lot more things that I could write about how this will affect our personal finances but I will save those, and some articles about how my wife is dealing with her pregnancy at work, for future posts. For now, I’m off to spend some quality time with my wife. ๐Ÿ™‚

Published or updated February 2, 2009.
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{ 41 comments… read them below or add one }

1 Karen

Congratulations! Good luck preparing for your little one! When is your wife due?


2 Ryan

Thanks, Karen!

We are expecting in late summer. ๐Ÿ™‚


3 RC@Thinkyourwaytowealth

Congrats Ryan!


4 Adam



5 DDFD at DivorcedDadFrugalDad

Congrats! Your life will now change in ways you can’t even imagine.

A tip from an experienced father:
Try hard to be there for those special first moments– walking, talking, etc. They get big so fast . . . cherish each and every moment.


6 Ryan

Thanks everyone!

DDFD: I’m sure the changes will be more than I could hope for. And I’ll do my best to be there for everything. ๐Ÿ™‚


7 Kacie

Congratulations to you both! As a mom of a 6-week-old, it sounds like your expectations are right on.

I wish your wife a healthy, uncomplicated pregnancy and delivery.

Does she plan to work right up until her due date, or take some time off in advance?

If I may offer some unsolicited advice (and I’m sorry for doing it — I hate getting it myself), she might want to take time off as soon as she’s able, so she can have plenty of time to rest and prepare.

It’s a big transition going from a full-time career to a SAHM, and easing into it before the baby comes will be much easier on everyone.


8 Miranda

Congratulations! How wonderful! Best of luck!


9 Kristen

Congratulations Ryan! That’s wonderful news.


10 Ryan

Thanks, everyone. ๐Ÿ™‚

Kacie: We’ve already started talking about this, and I think she will quit 1-2 months before the due date. We need to solidify a date and come up with a plan. But this is exactly what we were thinking! ๐Ÿ™‚


11 KellyB

Let me add my congratulations as well! And the best advice I rec’d: The other things can wait – your child will only be 2 days, or 2 weeks, or 2 years old one time. Enjoy it!


12 Steward

Congratulations. Having a kid has been one of the greatest and most fulfilling experiences of my life. I hope the best for you and your family.


13 SingleGuyMoney

Congratulations again Ryan!


14 Becky@FamilyandFinances

WooHoo! Congratulations! I’m glad your wife is planning on quitting in advance – it sounds like a great idea and one I hope to implement when I have kids ๐Ÿ™‚


15 Keith@DebtHacker

Congrats! My wife and I just had our first late last year. Your expectations are right on. DDFD made a great point too. Be there for everything you can! It’s already going by so quickly for us and you don’t want to miss a thing. My wife and I have been putting aside pictures of all of our baby’s firsts for our scrapbook.

There really is no other feeling like the first time your baby is able to make eye-contact with you (which for some reason, I was expecting from day one – clearly I was misinformed) and smile.. It’s the best.

Best of luck


16 Monkey

Congrats! Im sure that you and your wife will make the BEST parents. You have your finances straight, sounds like a great working relationship as well!!!! Best best best wishes to you!


17 Pinyo

Congratulation Ryan and wife. This is very exciting. ๐Ÿ™‚


18 Blaine Moore

Congratulations! You must be excited!


19 Steph L

Congratulations. So many changes, but you’ll wonder what you did before!


20 Imani

How perfectly exciting! Being a parent is the absolute BEST! You can’t even imagine what fun you’re in for…the sleepless nights fly by. Don’t worry.

Now, practice this, “dada, dada, dada”. ๐Ÿ™‚

Heartfelt best wishes to you and your wife.


21 Craig

Congrats on the news. He will be born already blogging his first post.


22 No Debt Plan

Dude that’s freaking awesome! Congrats!


23 Steve

Congrats! I can’t wait for the series of articles about how your personal finances will change with a new addition to the family.


24 Mr. ToughMoneyLove

Ryan – Such exciting news. I look forward to reading along with your new journey.


25 Kristy @ Master Your Card

Congratulations Ryan! Do you know what you’re having, or do you want to be surprised?

I’m glad you guys have a plan in place for this event. It usually catches people unaware, or if they did plan, not as well as they could have. You guys really seem to be ahead of the curve here, so I definitely commend you on that. While life is likely to hand your some lemons, you guys seem prepared to roll with the punches. Man, could i have any more cliches in this paragraph? LOL.

I’m not a parent, so I can’t offer any good advice per se. The only thing I can say is to encourage them to be themselves. If they want to draw on the walls, let them (in their room, of course)! You can always repaint those walls, but the time you can spend with them, building a relationship with love and trust, that can’t be replaced. Besides, it’s more fun to pick up the crayon and draw with them, rather than scold them. Can we tell I’m an artist, lol.

Good luck!


26 Ryan

Thanks, Kristy! It’s still too early to tell the baby’s gender, but we will probably find out in advance because it will make preparing easier. ๐Ÿ™‚


27 Christina @ Northern Cheapskate

Congratulations! You’re about to enter the best time of your life!

I quit my job to be a stay-at-home just before my twins were born, and it has been the best decision I’ve ever made. To prepare for our 40 percent drop in income, we started saving all of my income from the moment I found out I was pregnant and lived only on my husband’s salary. By the time the babies arrived, we were used to living on one income and had built up a great emergency fund!

Best wishes for a safe and healthy pregnancy!


28 FFB

Awesome news! Congrats. We have a little one due in July.

One of the best feelings in the world is coming home from a long day at work and having your little one shout “Dada!” and run up to you with hugs as you step in the house!


29 FFB

Haha, gotta agree with Ron on the box! My little guy is so happy playing with the box his diapers come in! It gets more attention than many of his other toys.


30 Ron@TheWisdomJournal

Savor the moments, they pass too quickly.

And don’t stress. Too many first time parents think they have to have the best of everything and then, by the time they have another child (and then a 3rd!), they realize that kids are more happy with a giant box than they ever are with the toy that came in it!

One other tip: include the grandparents as much as possible. They’re the voice of experience and they’ve probably been looking forward to this time more than you can imagine. I see parents who are more than willing to listen to a talk show host or take the advice found on the pages of a book (written by a non-parent) while the grandparents are made to feel as if their opinions are worthless. One day you’ll be a grandparent!


31 Peter

Congratulation Ryan! I’m happy for you guys. I’m a bit envious too, i’d love to be a dad. some day soon I suppose.


32 Imani

I’m with Ron…it is really, really true, a young child will adore the box much more than what it contained! So save your money and bring home empty boxes ;-).

Also, use some kitchen chairs and blankets to build a fort (age of 3+).

And as Ron said, “savor the moments”! My oldest just turned 24 and it seems like it was just last month that he was born. And I was an “older mom” who enjoyed every second, and every stage….chill out and really enjoy!

Best wishes again,

PS Buy cloth diapers.


33 shadox

Dude! Congrats! Your life is going to change and nothing I can tell you will help you to prepare. You think you are ready, but you are in for a shock… ๐Ÿ™‚

Happy times.


34 Ryan

Thanks, Shadox! I know I will be in for a shock, but at the same time, I know I am ready to embrace fatherhood for everything it is – the good and the bad. ๐Ÿ™‚


35 LAL

Congratulations! Good luck! I hope to join you soon.


36 Emily

Congrats and best wishes! Stock up on the sleep now! ๐Ÿ˜€


37 Ryan

Thanks, Emily! To be honest, I already don’t sleep enough because running this blog while having a full time job takes up so much time! I’ll need to work on improving my efficiency! ๐Ÿ™‚


38 fathersez

I am so happy for you both. Congratulations! I am sure you’ll be great parents. Take care of the missus now. (No hot air balloon rides, though.)

Best regards


39 Todd

Congratulations! My wife and I have twins on the way in two months, so I feel your pain/anxiety!


40 Casper

Congratulations. Get ready for a no-sleep marathon:) Btw, the marathon might take a looong time but the prize is for life!


41 Bo Baby

I remember when I was pregnant for the first time I got all worried about that figure everyone bandies around – somethin g like every child you have costs you ยฃ150,000. Well nobody except Mr D Trump would ever be parents if that were the case!

There is alot you can do to save money imaginatively at this time. For example, no need to go overboard with things like the nursery. Some personal photos arranged on the walls can save alot of money, as can stencils and not being a slave to a particular theme.


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