Potential budget change…and feeling guilty about the changes

Gonna be long, I’m sorry. Basically my husband and I have a chance to buy some additional (vacant) land next to our home. We bought our current home 2 years ago. We both want to take the opportunity to buy this land as an add-on to our property. We know it’s a good investment, and a couple years down the road we could look into building a house on it and selling our property. Acreage is extremely hard to come by in our little rural area, people tend to hoard their land 😂 It’s also normally very expensive because it’s in high demand. This chance doesn’t come up often.

But here’s the deal…it’s a decent amount of land and not cheap. We weren’t specifically saving for this, so we don’t have the kind of down payment we normally would and we’ll have to finance a lot. I’ve run all the numbers and we can afford it. But it’s going to significantly change the amount of “expendable income” we have left over. I feel like being stressed about having less extra money makes me come across as extremely entitled, and I’m feeling really guilty about it. But truthfully, we’ve lived SO MUCH within our means for so long, we’re used to not having to worry if something unexpected comes up. This is not a brag post…We’re not wealthy or upper class. We’re a middle class family that has always been able to budget well, and we live a very simple, low cost life.

My stress and guilt is compounded by the fact that I’m a sahm and there’s things we had planned to spend some money on (on me for a change), and those things will probably no longer happen or will wait until our youngest is school age and I go back to work. I left my job because daycare would basically use up my entire income. I also have to essentially consider myself on my own as far as getting the kids to/from school, staying home if one gets sick, etc. because my husband’s job has different hours (10 hour days), isn’t one that has a lot of flexibility, and he can be called in last minute any time (he’s a lineman). I don’t EVER spend money on myself, so my husband has been planning to treat me by buying me some breast implants (please no judgment) as I have wanted them for years. I know they’re not remotely necessary and a property investment makes much better financial sense, and I can give up that dream. It just stinks to know I was so close to being able to do something I’ve wanted for so long and it’s going to be out the window now.

I honestly don’t know what I’m looking for posting this. Probably setting myself up for a lot of hate. I know I need to be grateful we even have this opportunity, and honestly I am. I just can’t help but feel a little sad that it will change things so much.