Friday, October 3, 2014

Visiting Labour and Delivery

I know that my last couple posts have been kind of PR rich, so hopefully I can make up for it with a really personnal post.

So today we got to take a fun journey to Labour and Delivery. I wasn't experiencing any labour signs but it was time to get a check-up on some symptoms. My feet have been swelling a lot the last couple weeks, but I am used to that as a late pregnancy symptom, but just the last couple days I have been experiencing "pitting edema" which basically means that when poked the swelling does not pop right back up. Now on its own this is not a terribly concerning symptom, but it is worth noting. Two Doctor's appointments ago my BP was a little high, but dropped down at my appointment 10 days ago. I did not have an appointment this week as the Dr was out of the office.  Combining these two symptoms and in consultation with some people who know what they are talking about, I headed over to the pharmacy to use their blood pressure cuff. When it returned a high result my Doctor suggested I should go get checked out. At the end of my pregnancy with Evie my BP was similarly high, so I am not unfamiliar with the whole issue.

So I completed some outstanding paperwork ,and threw the bags in trunk just in case, and headed in. We were hooked up to the monitors and had my BP checked again. It came back high-ish but not nearly as concerning as before. So we mostly just chill-axed on the monitors and had some bloods taken. The resident took a detailed history and gave my feet a through poking.

In the end it all turned out fine. My BP is borderline high so I have been scheduled for weekly fetal monitoring. I was monitored for the last month of my previous pregnancy so it isn't much of a surprise. Also while not begin on bed rest (though I am told that is no longer the "done" thing). I have been told to "take it easy and stay off my feet". Really that shouldn't be too difficult for me, as I have been winding down a lot in the last couple weeks, however I have a feeling my house keeping may go down the toilet ;)

What is interesting is that the event made me sort through all my emotions about the upcoming arrival. I realized that I am emotionally not ready for him to be here yet, which is utterly ridiculous because he will be here, at the absolute maximum, in three weeks. I have done everything necessary to prepare for him physically (I think??????????) I have all the clothes folded and all the diapers stuffed, but I guess that isn't all that you need to do. You would think that I would be ready considering that he is not our first child, but I guess I am not.

So hopefully know we can tuck in for the next little while and figure out how to emotionally prepare for our little boy.

Thursday, October 2, 2014

AppleCheeks Colour Chart

        So most of you know that I have a pet project in my AppleCheeks colour chart. It started with a couple hours of work one night when I had nothing better to do, and has evolved with the plethora of new releases this fall. It was just pointed out to me that it does not in fact have a google presence! gasp! So here is a new little piece of the internet where is can live and be useful to all the compulsive Mamas out there.

Wednesday, October 1, 2014

Our RESP with RBC

Classic TV scenario: a set of new fathers gaze into the hospital nursery, one of them is a new parent to a set of multiples and his head is spinning. He talks about all the crazy things he will have to pay for twice and then, dun dun dun.... He realizes he will have to send them both to university. I know this idea is massively daunting to all of us, no matter how many children we have it is a big financial burden looming in our future.
Now realistically we all know that the financial realities of our generation are shaky to say the least and the majority of us are still struggling with our own student loans and it seems backward to think about saving for their school when we have yet to pay off out own. However one thing we learned about RBC RESPs is that it doesn't have to be a regular contribution. This leaves us the ability to use our weekly income to work on our own loans, but place windfalls and gifts into their account. So it is a slow process, but hopefully sometime in the next 15 years we can upgrade our contribution to the recommended regular contribution of $25 a week. Also starting early allows the government contributions to start adding up. The government will contribute up to 20% of our annual investment up to a $500 yearly. So if we waited until she was 10 we could be missing out on a potential $4000!
When I look around at the school debt of my peers it makes me very frustrated. For a great many of us, school debt it very much an albatross around the neck. It is keeping many people from achieving their goals. My peers are crippled by huge monthly payments on student debt, using up their resources which could be used for better things. Home ownership, becoming debt free, sometimes even car ownership are prevented just by these massive debts. If there is a way to save my children from this situation I am going to try my best to do it. 
However, lately it seems that a University education is not necessarily the surest bet. RBC RESPs are flexible enough to allow for this. They can be used for pretty much any kind of secondary education : College, University or Apprenticeship program. Suppose your children choose to opt out of schooling? There is even a contingency for that, your money can be rolled forward into an RRSP for yourself.
So, why did we set up an RESP with RBC for our kids? Because we need to take care of them financially. Because I care about their finanical future and want to save them from as much burden as possible. At this point it may be just drops in the bucket, but hopefully slowly but surely it will trickle in to fill that bucket up.

“Disclosure: I am part of the RBC RESP blogger program with Mom Central Canada and I receive special perks as part of my affiliation with this group. The opinions on this blog are my own.”