Easy Way To Reduce Baby Expenses
Having a baby can be expensive, but there are ways to cut down on your expenses. When you become overwhelmed, remember this: if you waited until you had enough money, time and energy to have your baby, you would probably never have children. Here are a few ways to ease the strain on your budget, so that you can enjoy your new bundle of joy.
- Health Insurance. This is one area which is a HUGE concern. Yes, insurance can be expensive, but you will need it. You simply can not afford to cut this cost from your budget. You can reduce insurance costs by checking into HMO policies which have lower premiums and out of pocket expenses. Many states have free shot clinics which can help lower your expenses. If you can’t afford to carry insurance, see if your state has insurance for people in your situation. Many states will cover insurance premium costs if your income is under a certain level.
- Breastfeed your baby, if possible. If you can’t breastfeed, there are ways to save money on formula. Try to apply for WIC (Women , Infants, and Children), a program designed to help middle and low income families with educational resources and food. You can also save money by buying formula in bulk, clipping coupons, and accepting free samples whenever they are offered. Check with your doctor to see if you can feed your infant a generic formula.
- Diapers. Store brand disposable diapers can be just as good as the name brand, for several dollars less than their name brand counterparts. Experiment until you find a store brand that works for you and your baby. Clipping coupons also can help to lower diaper expenses.
- Baby food. You can save a lot of money buy making your own baby food. You can use a blender or a baby food grinder to grind table food for baby. Simply put the puree into an ice cube tray and freeze. Then place the cubes in a labeled freezer bag. When your baby is hungry, you can microwave the food cubes.
- Clothing. There is no need to buy expensive designer clothing for you little one. You can get most of your baby clothing at yard sales or second-hand stores. If you have a neighbor or friend with slightly older children, ask if she would be willing to send some “hand me downs” your way. Remember that many discount stores also sell inexpensive clothing.
- Toys. Don’t feel pressured to get the latest and most expensive models. I remember buying expensive toys for my first child one Christmas only to find that she spent the entire day playing with boxes and wrapping paper. Kids don’t need a lot of toys; quality is more important than quantity.
What other suggestions do you have for reducing baby expenses?
Author: Michelle Schaefer
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