3 Proven Ways To Remove Financial Stress While Pregnant

3 Proven Ways To Remove Financial Stress While Pregnant | Baby Chick

3 Proven Ways To Remove Financial Stress While Pregnant

When I was pregnant with our son I remember bouts of panic hitting me – could we really afford a baby? My husband and I were doing fine, sure, we could pay our bills, save a little extra each month, but we weren’t traveling to exotic places or living large. So, the thought of having to provide for another person, especially one so helpless as a newborn baby was scary.

I realized after my son was born and talking to other new, first-time moms and even second-time moms that my fear wasn’t specific to just me. It seems that most expectant mothers worry about money. As moms, we worry whether or not we will actually be able to afford everything we need, we are already picturing all of the college expenses for our little one and they aren’t even here yet.

Sometimes, we need to take a step back and just create a plan. As someone who loves a good to-do list, I think having a financial checklist is a great place to start to relieve some of that stress and worry.

Here are three proven ways you can reduce your financial stress while pregnant.

Each step has multiple ways to reach your goal, so you can easily find a solution that fits your current situation. The first step is to get your budget ready for baby then build your cash cushion, and finally you can find easy ways to help you save money on some of those needed items for baby.

1. Get Your Budget Ready

Spend time reviewing your budget before baby comes. You might need to start being more mindful of your spending – eating out, groceries, entertainment, etc. Once you have a good handle on your expenses, you can start building in future expenses for the baby. This is a great way to learn to go with less for those discretionary items.  Include expenses such as daycare, formula, diapers, doctor visits and so on.

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Call around to get an average price or do research online for the typical monthly expense would be. Then you can add that into your budget. It’s recommended to physically remove those new expenses from your checking account, so simply transfer those into a savings account (which will help you quickly build your cash cushion, too).

It’s also smart to budget in items that you don’t think you’ll need, such as formula and bottles. Hopefully, if you want to breastfeed then you will have no issues; however, that isn’t the case for all moms. Take it from someone who drove herself crazy trying to breastfeed and produce breast milk. It just wasn’t in the cards for me, so we ended up with having to buy formula for our baby.

2. Build A Cash Cushion

Experts recommend for families to have a minimum of $1,000 in their emergency fund at all times. However, when you’re expecting it doesn’t hurt to have enough to cover your family’s insurance deductible in addition to your $1,000 minimum.

Research your medical insurance online or call your provider to learn what your family’s deductible is. As the mom you probably have a deductible of anywhere from $500 to $1,000 for the year; however, your family deductible could be $2,500 or higher. It’s best to be prepared if you have any other medical conditions arise during or after your pregnancy or to cover your newborn if he or she should need to be admitted to the NICU for any period of time.

READ MORE
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A quick way to help you build your cash cushion before the baby arrives is to save at least 10% of each paycheck. You can set an automatic transfer through your bank to send a set amount on payday to your savings account. You probably spend more than 10% of your paycheck each month in eating out for lunch and dinner, so just make an effort to eat at home more and to bring your lunch to work during the week.

3. Save More On Things For Baby

Most new parents are fortunate enough to have multiple baby showers thrown for them, which is a great way to get lots of baby items. However, there are probably a few items you will still need to buy before the baby arrives. There are some great ways to save money on those things.

Amazon Baby Registry:

If you love Amazon then signing up for their baby registry is a no brainer. They have thousands of items to choose from and they make it easy to share your wish list with friends and family. Plus, for those non-prime users, you can get free shipping on orders of $25 or more.

In addition, Amazon offers a completion discount for items ordered off the registry. According to their site, “The completion discount is a discount on select remaining items from your registry. The discount offer is 10% for primary registrants.” If that wasn’t enough they also give you a discount on prints for the first 18 months of your baby’s life.

Company Newsletters and Free Samples:

Sign up for all the baby product newsletters you can find. For example there are Enfamil, Similac, Pampers, Huggies, and other baby companies’ newsletters.  Most companies will send you samples of their products and coupons. Also, more than likely if you enter your child’s due date or birthday then the company will continue to send samples through their first 12 months and some will even continue to send samples through their toddler years.

READ MORE
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In-Store Registries:

Retailers like Walmart, Target, Kohls, and other stores give welcome boxes with samples, free bottles, diapers, wipes, coupons, and other items when you register. Target even offers 15% discount on all the items left on your registry after your child’s birth, too. It’s a great way to add those expensive items like a crib, car seat and rocker that you’re afraid no one will be able to afford.  Add them and then you can use any gift cards you receive, plus the 15% off, towards your items.

About the Author /

Wife, Mom, MBA, Certified Financial Planner, and a budget and financial strategist helping families pay off debt and live the life they've always wanted at https://merelynne.com/.

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Instagram post 17920976449353517 💪 Mom Hacks for Staying Fit After Having Kids⁠
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Going to keep it real here, your fitness game is going to change after having kids. If you were crushing it before having babies, you're going to find that the free time for working out isn't what is used to be.⁠
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Regardless of where you were at, there are things you can do to make your heath a priority and be a good example to your little ones.⁠
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1. Don't rush back. There's no gold star here. Take your time, get the clearance from your OB/midwife and start when you're ready.⁠
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2. Schedule your workouts. Like most things in life now, you're on a schedule. Create time in your new life for you -- you'll thank yourself later.⁠
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3. Ask for Help. Chances are high that the Mom down the street is looking for some kid free time as well. You take an hour, she takes an hour and we're all better off for it.⁠
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4.  Embrace the little things. Your day will present opportunities to get your butt moving. Find them.⁠
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5. Get a new outfit. Because, duh.⁠
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6. Join a fitness community. It's scientifically proven that external motivators work when it comes to starting and sticking with a fitness routine. Utilize your community for support and motivation.⁠
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Words & 📸 : @juna.moms⁠
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#fitmom #newmom #fitness #fitspo #momlife #fitnessmotivation #fitlife #healthylifestyle #healthyliving #fittip  #motherhood #momtobe #mommylife #momsofinstagram #babychick #fitfam
Instagram post 17847795697730464 Royalty or not, we’re all just trying to do our best. ❤️⁠
(quote: Kate Middleton)⁠
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Instagram post 17863400905557801 Becoming a mother makes you realize you can do almost anything one-handed. 💁‍♀️⁠
📷: @hanna_wol⁠
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📷: @momthesedays⁠
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Instagram post 18004050754269786 "All the feelings apply to all the moms, in all the stages. We're more alike than not." ❤️⁠
(quote via @catandnat)⁠
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Instagram post 17844140491774206 ⁠🎵 I’ve got my whole world in my hands
I’ve got my whole wide world in my hands
I’ve got my whole world in my hands
I’ve got my whole world in my hands 🎵
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When you meet your baby(ies) and your whole world changes. 💕
📷: @megbed
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Instagram post 18110828746014338 The first year after baby is the leading time when marriages break up. The extra stress, lack of sleep, and major life changes can all contribute to communication breakdown and losing intimacy. 💔 That's why protecting relationships is such an important part of postpartum planning (done in pregnancy). Parenthood is an emotionally provocative experience. These heightened emotions help you tune into your baby's needs, but it can also help you tune into each other.⁠
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Speak your partner's love language in postpartum. Send this resource to your loved one so that they can make you feel loved and supported in a meaningful way.⁠
Words & 📸: @birthbossco⁠
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Instagram post 17934950050319412 EXACTLY! 🙌 I wish more moms knew this and didn't feel pressured to say yes automatically to guests--of course, unless they want to! 😊 But you can always say no and not right now. Take your time to bond with your new baby. If you want people to come over, great! But don't feel bad if you don't and want more time alone with your family. People who love you should understand. ❤️⁠
(quote via @psychedmommy)⁠
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Instagram post 18003898246270151 YUP! Thought I would run a tight ship but turns out I can't contain this circus. 🤦‍♀️⁠
📷: @badparentingmoments⁠
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Instagram post 17892508969418384 When you go out of town for a few days and your family realizes all that you do for them and the house. 😂⁠
(quote via @playdatesonfridays)⁠
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Instagram post 17857907638591275 Dinner time with toddlers can oftentimes be hectic and stressful. Sometimes they’ll eat what you’ve made them and other times they won’t. 😒 We’ve been there! This is why we are sharing two yummy dinner recipes that have been toddler approved that the whole family can enjoy—Taco Pizza and Stuffed Sweet Potatoes! 😋
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We substituted sour cream in these recipes with @stonyfield YoBaby yogurt because it provides not only the calcium they need, but also probiotics, protein and vitamin D! 👍 (Our pediatrician says our little guy needs 2-4 servings of dairy per day!) The yogurt still has that tangy flavor that you’re looking for but with even more benefits! Cheers to full tummies and happy families! 🙌 #ad #stonyfield
📹: @trippfilms
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Instagram post 17873539714477826 Some days I feel like I am totally kicking butt and taking care of business as a mom . . . and other days I'm like, "Do I really have to adult today?" 😫😴⁠ #WeekendsDontExistWhenYoureAParent #NoDaysOff⁠
📷: @decade2doodles⁠
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Instagram post 18076599439134453 You're becoming the person you are meant to be. 💗⁠
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Instagram post 18010968127252794 Did you know that in some locations there are Mother's Milk Banks (@austinmilkbank)? They are nonprofit banks that collect donor human milk for babies in need. We love mamas like @lololovelyco who are donating their milk while also breastfeeding! I wish I had made enough milk when I was breastfeeding my son to have done the same. But I'm so grateful for mothers who can! Spreading the love to all of you milk making mamas! 🤱💗⁠
📷: @lololovelyco⁠
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#breastfeeding #motherhood #momlife #postpartum #nursing #breastmilk #normalizebreastfeeding #newmom #mumlife #newbaby #breastpump #breastfeedingfact #motherhoodthroughinstagram #mommylife #motherhoodunplugged #realmoms #momstatus #thatmomlife #realmomlife #momsofinstagram #motherhoodrising #ig_motherhood #uniteinmotherhood⁣ #mommychick #babychick⁣
Instagram post 17882796163445028 Happy Halloween! 🎃 Hope there is minimal (to no) whining and you don't have to break out your inner Mary Poppins to still create a magical evening with the family. ⁠
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And if there is some toddler nonsense, remember you can eat their candy while they sleep. 😜⁠
📷: @hipmomma007⁠
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Instagram post 18026714824240302 Pretty much. 😒⁠ #momofatwoyearold
(quote via @mommy_cusses)⁠
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Instagram post 17882685211447052 Psycho moms have more fun. 🤣 But for real though, I would have been scared sh*tless if I was a child and this kid was in my class. 😱 #happyhalloween!
📷: unknown⁠
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Instagram post 17882232535453301 Some solid advice for new moms. ❤️⁠
📷: @debiandbebi⁠
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Instagram post 17880589438445237 You know your child better than anybody. Do what YOU feel is best for your child and your family.  No explanations necessary. ❤️⁠
📷: @moderndaywonderland⁠
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Instagram post 17849862544671402 When you're attending a breastfeeding support group and it's your turn to bring the snacks. 🤣⁠
📷: @bloomayoga⁠
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Instagram post 17856924145605814 Your kids are listening. 👂 They are listening to everything that you're saying and are watching your body language and your behaviors even when you think they're not. If you want your children to be patient, you must practice patience. If you want your children to be kind, you must show kindness. If you want your children to share, to include others, etc., you must teach them and lead by example. “Do as I say not as I do” does not work. The greatest lessons are taught by action and if you want them to be great, give them something great to look up to. ❤️⁠
(quote via @onefunnymummy)⁠
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#motherhoodthroughinstagram #momlife #motherhood #parenting #bekind #mumlife #mommylife #parenthood #motherhoodunplugged #realmoms #momstatus #thatmomlife #realmomlife #momsofinstagram #mommychick #motherhoodrising #ig_motherhood #uniteinmotherhood⁣ #babychick⁣
Instagram post 17920417273345320 LOVE!!!! And nursing twins?! Betty was a boss. 💪🤱👶👶💗⁠ #imissrugrats⁠
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#motherhoodthroughinstagram #momlife #motherhood #breastfeeding #nursing #normalizebreastfeeding #newmom #mumlife #mommylife #parenthood #motherhoodunplugged #realmoms #momstatus #thatmomlife #realmomlife #momsofinstagram #momhumor #motherhoodrising #ig_motherhood #uniteinmotherhood⁣ #babychick⁣⁠
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Instagram post 18110876884020847 Of course you love being a mom. You love your kids. You love your family. And you would NEVER change any of it. But it's okay to acknowledge that motherhood is hard and that there are parts of it that we don't always love. This does not make us bad moms. We have limits, we get tired and we're human.⁠
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I think sharing only the beautiful sides of motherhood to women who don't have children does them a disservice. It's important to have an understanding of what the reality is like so if they decide to have a baby welcoming their little one and becoming a mom is not as jarring or eye-opening. It doesn't mean that we should fear-monger. It's just being honest about all sides of motherhood--the crazy, exhausting, beautiful and best thing ever. ❤️⁠
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#motherhoodthroughinstagram #momlife #motherhood #momstruggles #momprobs #mumlife #mommylife #parenthood #motherhoodunplugged #realmoms #momstatus #thatmomlife #realmomlife #momsofinstagram #motherhoodrising #ig_motherhood #uniteinmotherhood⁣ #babychick⁣ #mommychick
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