I vividly remember a friend once saying that if you waited till you could afford to have a baby, then you would probably never have one but there are things you can do to make your family budget go a little further. So here are our top tips for baby proofing your finances.
For the first few months, the baby won't need alot aisde from milk, nappies, love and a few bits of clothing. If you can help it (and we know it is difficult), don't spend the entire 9 months of your pregnancy buying cute outfits, or little shoes or even an adorable rain mac (yes seriously) and if good friends and family offer you things for free - take them!
If you do need to buy expensive items such as the cot or travel system, use money saving websites like MyFamilyClub, and forums to find the best price before you buy and then it might be a good idea to use a credit card with rewards.
Whilst you are pregnant, it is also worthwhile checking your household expenses. It is easy to continue paying the same service provider for your phone, electricity and gas, so use a comparison site and if you have credit cards, it is probably worthwhile taking time to compare credit cards to make sure you are getting the best rewards and benefits.
If you have countless subscriptions to Sky or the gym, it maybe a good time to look at what you actually watch / use. For the first few months you may possibly be too exhausted to watch any one of your 135 channels and as for the gym, pushing a travel system and lifting it in and out of the car will be more than enough exercise for you!
Now those of you that don't have any children yet, I would like to share with you that they poo. Alot. So take advantage of the special baby events at supermarkets where they discount bulk buys on items like nappies and wipes; you’ll be sure to use them, no matter how much bulk you buy!
Now when baby arrives, there will be a time once the baby fuelled conversations die down and you want to get back out as a couple. Unfortunately paying out for a babysitter is an added cost to a night out but you will also find many firnds will be in the same position as you, so why not start a babysitting circle? You can then take it in turns to babysit and it leaves you to go out on your own, with a normal sized handbag and smelling of something other than baby milk.
Having a baby is amazing, exhausting, empowering but it doesn't have to break the bank.
Would you add anything to the list?
Image credit : Freedigitalphotos.net