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by on August 25, 2022
There are many reasons why people want to have children. Some want to have children because they hope it can save their declining marriage or relationship. Some want to have children because they feel instinctively driven towards it. Some want to have children because they feel they're supposed to. Having children is something that has always been considered morally good. The 2nd trimester is where most women will start prepping for the new arrival. Think of it as a “preparing for baby timeline.” You will likely start to feel significantly better during this trimester as pregnancy symptoms ease off or vanish completely. A normal pregnancy typically costs between $30,000 and $50,000 without insurance, and averages $4,500 with coverage. Many costs, such as tests that moms who are at-risk or over age 35 might opt for, aren't totally covered by insurance. Plan to have at least $20,000 in the bank.   Basic Supplies Basic health supplies Bibs, burp cloths, and a few baby blankets Newborn-sized diapers and sensitive-skin wipes One to two bottles and a can of formula  Onesies, sleepers, and infant-sized hats   Some studies show numbers ranging from $20,000 to $50,000 for the child's first year of life, depending on location and household income. Beyond the general items, like a stroller, crib, or car seat, here are some estimates of what you can expect to shell out in your baby's first year.   What should you wear during labour? Wear something loose and comfortable to wear during labour that does not restrict you from moving around or make you too hot. 3 changes of loose, comfortable clothes. 2 or 3 comfortable and supportive bras, including nursing bras if you're planning to breastfeed. Remember, your breasts will be much larger than usual. For some women, wearing a comfortable old T-shirt or nightgown provides a sense of familiarity. This can be reassuring during labor and delivery. But be warned, childbirth can be messy. One advantage to wearing hospital-issued gowns is that you won't care if they're ruined during delivery.   Things to Consider before Having a Baby A woman should prepare her body for pregnancy by living a balanced lifestyle that includes good nutrition and exercise. Do all things in moderation. If you are a smoker, stop smoking. Take Calcium, Vitamin D and Folic Acid supplements.   Preparing for Baby Prepare All the Baby Gear Make and Freeze Meals.  Make Provisions for Your Furry Family Members.  Make Sure You are Up to Date on Preventative Care.  Take Some Time for Yourself.   What to talk about before baby arrives? Discuss the middle of the night baby responsibilities before it's the middle of the night.  Talk about financial expectations, goals, and realities.  Schedule time for breaks.  Discuss the hard stuff.   While it's true that raising a child can give your life focus and purpose, it's a lousy reason to have a child. You are the only person who can define what gives your life meaning. It's not an obligation that can be fulfilled by another human being, not even one you give birth to. Generations and generations of human beings have been raised with the idea that procreating is part of the natural processes of life. To have a child is often considered an important milestone in a person's life most societies. Read related articles: Top Five Baby Care Tips For Every New Parents, Five Questions You Might Ask Yourself When Having A Baby + Tips And Ideas and Do's And Don'ts When Taking Care Of A Newborn Baby
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by on July 16, 2022
While you're planning to start a family and before you have a baby, first, keep your savings rate as high as you can right now before the added financial pressure of a bigger family comes your way. Birth center and home births are typically less expensive than hospital births because there are no high-risk procedures done but nly low-risk parents are eligible.  Parents can count on spending close to $50 per week ($2,448 per year) on diapers, formula and baby food alone. Then toss in such big-ticket items as furniture, equipment, clothes, childcare if you're returning to work, medical expenses, and well, you get the idea. Some studies show numbers ranging from $20,000 to $50,000 for the child's first year of life, depending on location and household income. The basic baby gear you'll need during your baby's first year includes a crib (with mattress) or play yard, a stroller, a car seat, bottles and/or breastfeeding accessories, a baby bathtub, toiletries such as a hairbrush and first aid kit, and toys. Diapers also vary in cost, but experts advise that you should budget at least $1000 for diapers and $450 for wipes for the first year alone. That's approximately $120 a month.   5 Signs You're Financially Ready to Have a Baby: Budget for New Expenses. Prepare for Child Care Costs. Review Employer Policies. Get Adequate Insurance Coverage. Balance Long-Term Savings Goals.   Ways to Save Up for Baby: Buy secondhand gear and clothes Borrow a bassinet (or skip it altogether) Hold off Limit the tests Go easy on the starter diapers Gear Up for Less: Look for furniture and accessories that do double duty. Return unwanted gifts promptly. Don't buy crib pillows. Buy just one or two bottles before your baby is born. When it comes to diapers, think big. Test-drive a stroller before you buy it. Turn to your local library for classes and games.   Tips on raising children on a tight budget: Spend on what's important and ignore the rest. Find free or inexpensive entertainment. Plan for large expenses. Earn extra income. Instill non-materialistic values in kids. Rely on (and use) your savings. Accept others' generosity. Adjust your work schedules. In the beginning all they need is food, diapers and love. Feed babies inexpensively. Give cloth diapers a try. Forget the expensive nursery. Buy secondhand to save. Skip blowout birthday parties. Carefully consider child care.   4 Ways to Start a Savings Plan for Your Baby's Future: 529 Plan Coverdell Education Savings Account (ESA) Custodial Accounts U.S. Treasury Bonds You can easily buy savings bonds online at TreasuryDirect.gov. They can be put in your own name or the name of the child for which they're being purchased. If the savings bond is to be a gift, be prepared to provide the child's full name and Social Security number Don't sweat it . Not everyone's a natural-born money saver.
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