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Article Title: Baby Expense: What To Do When Baby's On The Way And Money Is
Tight…
Article Author: Adriana Copaceanu
Article Copyright: 2004

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Baby Expense: What To Do When Baby's On The Way And Money Is Tight…
Copyright © 2004 Adriana Copaceanu
Baby’s First Year Companion
http://www.babys-first-year.com



As you probably know, baby expense should be high on your list of
things to plan for, before the baby comes. There is no cheap way
to have and raise a baby: it takes sweat, work, lots of cash,
patience, and more to have a happy, healthy baby. Some studies
suggest that you will spend anywhere between $150,000 and
$200,000 for your kids by the time they are 18 years old, not
including private schools, special lessons, or college.

But if you waited until you had enough money, time and energy to
have your baby, you would probably end up without any children.
Here you'll find a few ways to ease the finances, so that you
can enjoy your new bundle of joy.


1. Get health assistance - if you don't have health insurance,
and can't afford it, doctor's bills can ad up really easy.
But there are options out there for people just like you.
This baby expense will probably be one of your biggest, so
don't be afraid to ask for assistance if your family needs it.

2. Breastfeed your baby, if possible. It's free, it's convenient,
and it might help against breast cancer. It's recommended as
being the best form of nutrition for baby.

If you can't breastfeed, don't feel guilty. Try to apply for
WIC (Women , Infants, and Children):
http://www.fns.usda.gov/wic , 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. This is a baby expense you can't do without.

3. Diapers - Some diapers are better than others, but most are
basically the same. Store brand disposable diapers can be
just as good as the name brand, for several dollars less
than their name brand counterparts. You can save even more,
if you use cloth diapers instead of disposable. As with
breastfeeding, it's a little more work involved, but well
worth it.

4. Diaper Rash Prevention - instead of taking action after your
baby got a diaper rash, prevent it with a drop of olive oil
applied to their bottom every time you change their diaper:
it works wonders (you should check with your doctor first).

5. Baby food - When it comes to baby food, a blender is your
best friend: it will help you keep this baby expense at its
lowest. Not only is it much cheaper, but it's so much
healthier! Save the little baby food jars for quick trips,
or special occasions, and give your baby pureed food made by
you. You can cook a week's supply on the weekend, put the
blended vegetables in the ice cube tray, for a few hours,
and then place them in a freezer bag. Depending on your
baby's appetite and age, you can microwave one, two or
three cubes before meal time. It's quick, healthy and
inexpensive.

6. Clothing - There is no need to buy expensive designer
clothing for you little one. Do you think anyone will really
notice that your baby is wearing Tommy Hilfiger? Babies look
cute in anything: don't waste your money! You can get most of
your baby clothing at yard sales or second-hand stores.

7. Toys - they are big business, but you don't have to feel
pressured to get the latest and most expensive models. My kids
were happy with everyday items as their toys: empty shampoo
bottles (make sure they are cleaned and rinsed very well
before handing them to your baby), plastic bowls, plastic
containers from food products (margarine, sour cream , etc.)
that they could stack up, etc. Also, buy some toys that will
help with your baby's development, are durable, and are age
appropriate: a baby expense worth the money.

8. Wills - Get a will or update your old will. Name a guardian
for your child and the trustee of your child's inheritance
(often but not always the same person). Without a will, the
court will name these individuals and also split up your
assets in accordance with state law which may not be the
way you would wish. Please don't try to avoid this baby
expense: your kid's future might depend on it. A simple
will that includes a trust for minor children costs between
$150 and $250.


Here are links to some great baby resources:

- generic brand wholesale diapers
( http://www.diapers-4-less.com/private-label-diapers.htm )

- baby formula: free samples and coupons
( http://www.freestuff-for-babies.com/babyformula.html )



Resource Box:
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Adriana Copaceanu is a work at home mom of 2, and the publisher
of Baby's First Year Companion http://www.babys-first-year.com ,
an online resource for new parents.
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Posted: Fri Oct 1 04:11:57 EDT 2004


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