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    Money Makeover: “Can we afford to have a baby?"

    THE COUPLE'S REACTION

    BREANNE: "We now know how to reach our overall goal of having a baby instead of letting things 'just happen.' Tina helped us figure out a better way to talk to each other, and Carmen helped us financially prepare ourselves for the family we'd like to have. We made the life map Tina suggested. We still need to get more detailed on how to attack the goals we've listed, but just sitting down to discuss them was helpful. We've also started paying off the highest-interest credit card first. I've looked into some online savings accounts that offer a higher interest rate than our current accounts do. I also started doing more bill payments online, which I like because I no longer worry about my payments arriving late."

    LARRY: "Carmen's and Tina's advice opened my eyes to our situation. We've really been going along just reacting to things that pop up instead of laying out a plan to get ahead. Tina helped us open up to each other about what we would like to see in our future. We've talked about how we want to reach our dreams and have set up doable time frames. I've started to get more involved in bill paying and I've rearranged my priorities a bit. I'm going to start my 401(k), too. It was good to talk to Breanne about what we want in the future, and we are getting along better now that we are talking about things more."

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