Staying on Budget with a New Baby

Staying on Budget with a New Baby | Baby Chick

Staying on Budget with a New Baby

After your new baby arrives, everything in your life seems to just fall out of its routine. Let’s face it most families budget and spending habits take a nosedive after a baby arrives. You’re tired, you probably haven’t showered in the past day (or two) and you are in survival mode. Well there a few things you can do to help keep your budget in check when everything else seems to be going crazy. Here are some great tips for staying on budget with your new baby:

Spend on paper first

The best tip you can follow is to create a budget on paper or on the computer before ever spending any money. Your budget doesn’t have to be complicated — simply list out your fixed expenses (mortgage, insurance, car payment, etc.), list out your variable expenses (eating out, groceries, entertainment, etc.), and finally write down your income.

Make sure your expenses don’t exceed your income. If they do then you’ll have to spend less in a few different areas of your budget to make up the difference. If you have any extra income each month then take a closer look at your budget. Perhaps you could be putting that extra income into an emergency fund for those rainy days or putting it towards any debt.

Try to have your discretionary spending equal to zero after you subtract your expenses from your income. This way you know that every dollar you earn has a specific purpose in your budget to help you reach your goals.

Switch to Cash

By not using your debit or credit cards you take away the temptation to overspend. It’s recommended to use the envelope system for areas of your budget you tend to go over — things like groceries, eating out, entertainment, and clothing. So, if you find yourself overspending each month after your baby arrives then switch to using cash. You’ll be able to see exactly how much you have left in a budget category by glancing at your envelope.

Using the cash envelope method is easy. Once you have created your budget and know how much you’re going to spend for the next week, two weeks or month in a particular category — like groceries, you go to the bank and withdrawal that amount. Now when you go to the grocery store you can only spend the cash you have in your envelope.

Here’s how it works. Let’s say you budgeted $400 a month for groceries and you get paid twice a month. When you receive your first paycheck take out $200 from your bank account and meal plan for the next two weeks. Make sure to include any other household items you’re going to need for the next two weeks on your grocery list — bath products, cleaning items, paper goods, etc. Put your $200 in an envelope marked “groceries.” Now when you go to the store you only spend from that specific envelope.

When you get your second paycheck for the month you do it all over again.

Use your calculator on your phone when you go through the store. Make sure to add up the items your putting into your cart to ensure you don’t go over your budgeted amount. Always include a few extra dollars in your total to cover any sales tax. If you budgeted $200 and your total is $215 then take a few items out to lower your bill.

If you have money left at the end of the month in your envelope then you can do a few different things. First you can reward yourself and spend the money on eating out one night, going to the movies, or on anything else you may want. The second option is to save the money for a future month where you might need to spend a little more.

Cut out anything that isn’t absolutely necessary

After your baby arrives a lot of our expenses goes towards convenience items. Things like early morning coffee runs because you’re exhausted, eating out at lunch and dinner because it’s easier, and so on. You may even be splurging on the top-of-the-line cable package from your pre-baby days.

Take a good hard look at what your daily and monthly spending habits include to see if there are any areas you can reduce. You might be surprised at the savings from just switching a few habits.

If you find yourself eating out a lot after the baby arrives then take a day to prepare a few freezer meals or if you do cook, double recipe then freeze the rest. Preparing your own meals and then freezing them is a good way to save money and still have quick dinners without much effort.

If you love your early morning coffee from the local coffee shop, try making it at home. You could probably save a lot of money by just setting the timer on your coffee pot to start on its own each morning. Think about it . . . you might be spending close to $4 each morning on your favorite latte. At five days a week, 52 weeks a year that’s over $1,000 a year you could be saving. If you budget $200 a month in eating out, your coffee habit is costing you close to $87 a month from your budget. That’s a lot.

These few tips can really help you save money after your baby arrives, but more importantly they can help you from going into debt. It’s hard once the baby is here, time seems to go by so much faster and you’re always exhausted. Convenience is key when you have a newborn at home, but with simple planning you could really save yourself time and money.

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.

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Remember what it was like when you were home with Remember what it was like when you were home with a newborn? Remember how you felt? Tired. Sore. Swollen. Engorged. So happy to finally meet your baby but also completely exhausted. You wished you had more help. You wished you could take a break. You wished you could only focus on staring at your baby and snuggling them and not have to worry about preparing food, chores, etc.⁠
Even though things may be more difficult now to offer help, still try to be the friend you wished you had when your babies were newborns to your friends and loved ones. ❤️ Things you can do:⁠
- Drop off a meal at their door⁠
- Drop off some of your favorite postpartum recovery items or breastfeeding products you loved⁠
- Go grocery shopping for them and leave it at the door⁠
- Send them a meal delivery service gift card⁠
- Bake her some lactation cookies (if she is breastfeeding)⁠
- Drop off any hand-me-downs from your kids⁠
- Pay a housekeeping service to come over and clean her house⁠
- Set up a meal train with her friends⁠
- Drop off diapers and wipes⁠
- Self-quarantine for 2 weeks and come over to help with the house and baby so she can take a nap or a shower⁠
- Pay for a few hours for a postpartum doula or a night nanny to help her out⁠
There is so much you can do! And every little bit helps. What else would you add to the list? 💕
Any mamas feel me? Pass the coffee. 😑☕☕☕⁠
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First of all, we think all moms are incredible. 💕 Today’s shoutout goes to the career moms. We know the struggles because we are you. May this weekend bring you all rest, peace, and joy. 🥰 Sending out all of the love and respect! 🙇‍♀️
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"Give a man a fish, he eats for a day. Teach a man to fish, he eats for a lifetime." The same rule applies.⁠
We want our kids to be strong, independent, self-reliant, and successful. They learn quickly what they can get away with. Teaching them kindness and a good work ethic from the beginning goes a long way. ❤️⁠ Put the hard work in now and watch them bloom into a strong and independent adult later. 💪
(Quote via @relaxingmommy)
However you choose to feed your baby, your baby an However you choose to feed your baby, your baby and your opinion are all that matter. If you choose and are able to breastfeed, feed your baby anywhere and everywhere HOWEVER you want to . . . with or without a cover. You have rights, mama. No need to explain or cover yourself for anybody if you don't want to. 💕⁠
📷: @phoenixandtheocean
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You're the reason that I breathe but also the reas You're the reason that I breathe but also the reason that I am out of breath. 😉🤪😂 #momlife
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When I had my first baby, everyone told me to enjoy the newborn stage because it goes fast, and I would miss it. But I was so exhausted and overwhelmed I didn’t believe them. 😴 While I was living through it, it felt like it took forever!⁠
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If you are there now or about to enter this stage, it’s a yummy, delicious, snuggly stage. But for me, it has always been one of the harder ones, every time I go through it. So I see and feel you, mama! It’s physically, emotionally, and mentally exhausting. Hold tight, though, because it doesn’t last forever.⁠
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So, while you are struggling to keep your eyes open, and your mental state together, here are a few things to try to savor while your baby is still a newborn. {Click 🔗 in bio to continue reading!⁠}⁠
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Daddy Chronicles: Breastfeeding 💙⁠ by @chroni Daddy Chronicles: Breastfeeding 💙⁠
by @chroniclesofdaddy⁠
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I've been asked so many questions by men about fatherhood. So I figured I'd drop some knowledge on my fellow Dads and soon-to-be-Dads. Here's what it looks like for the first few weeks or months after your child is born. Yup. If mom breastfeeds they pretty much are tucked like this and at times you'll wonder "what is there for me to do?" Here are my top 5 tips for any Dad after your child is born.⁠
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1️⃣ For night feedings. When mom wakes up in the middle of the night, you get up and ask if she needs any help or water. The truth is most of the time she will say no but just the fact that you offered will go far.⁠
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2️⃣ Ask mom if she can pump and then pick 1 feeding that you will always do. Mom will take on almost everything and will burn herself out if you let her. At times you may have to force her to rest without worrying about the baby. This is an easy way to do that without a fight.⁠
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3️⃣ Don't put a time limit on how long mom breastfeeds the baby. It's not just about feeding your child it's about them bonding as well. I know everyone has a different length of time they will breastfeed and as a Dad, it's hard to fully understand. Do not, I repeat, DO NOT try and rush this process. It's not our place and it's not safe. You will open yourself up to a fight you can't win.⁠
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4️⃣ Be patient. I know as a Dad the first few weeks we are equally excited and yet not as important. Your time will come faster than you know. Babies grow fast and the stronger and bigger they get the more Daddy Time will be coming your way.⁠
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5️⃣ Paternity leave! If you have it TAKE IT. The early stages of a child's life are not just for moms to enjoy. I know as men making the money especially after having a baby it's hard, but trust me. You can always make money but there are no instant replays in life. It doesn't make you more of a man to not take the leave. It's equally as important that you as a Dad get to be a part of the early development of your child. ⁠
If someone needs this info tag them ❤️⁠
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Absolutely love these tips from @chroniclesofdaddy. 🙌
7 Postpartum Yoga Poses That Strengthen Your Body 7 Postpartum Yoga Poses That Strengthen Your Body After Baby 🧘‍♀️⁠
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The postpartum period, or period of recovery that takes place after a mother gives birth, is an important time for mothers to take care of themselves. 🥰 Typically, if you’re less than 6 weeks postpartum you don’t want to put any pressure on your core muscles. Also, your body’s levels of relaxin, the hormone that loosens joints to prepare for childbirth, is elevated for 3-6 months after childbirth, and longer if you are breastfeeding. All this means is: take these postpartum yoga poses slowly and stretch yourself gently. No gymnastics here or pushing beyond what is comfortable.⁠
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Remember, every mama’s body is different, so listen to how you feel and seek advice from a medical professional if you have questions about how and when to begin your personal exercise plan. Note: Try to do the following yoga poses in the order they are listed. {Click 🔗 in bio to see the 7 yoga poses to strengthen your body after baby!⁠}⁠
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📷 taken by: @allisonermon_photography
It's been one of those days. 😑⁠ 📷: @kristy It's been one of those days. 😑⁠
📷: @kristyndingman
🙋‍♀️😂😂😂⁠ 🚜 What are some st 🙋‍♀️😂😂😂⁠ 🚜
What are some strange things you do as a #boymom or #girlmom?
It doesn't happen often but when it does, it's mag It doesn't happen often but when it does, it's magic.⁠ ✨🤩
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