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5 Financial Tips for New Families

5 Financial Tips for New FamiliesHaving a child is one of the most exciting phases in any marriage. From a couple, you now become a family. But with the little one, a new period of budgeting comes along. There are many financial traps ahead, and you need to be prepared for all of them.

Here are five financial tips for new families:

Create a new budget list

Remember that old budget you used to have when you were just a couple? Better change that now. Aside from your daily expenses, you’ll need to add vitamins and supplements for the pregnant mommy. Then you’ll need to have her checked up once a month, and these doctor visits don’t come cheap.

Also, include in your new budget future expenses like delivery room stay, those baby shots, and also, your new budget when the baby comes. Diapers, milk, vitamins, shots, and baby check-ups are just a few things that you need to consider. If you need help planning, you can check the Center for Nutrition Policy and Promotion’s Cost of Raising a Child Calculator.

Create or strengthen financial safety net

The Center for Nutrition Policy and Promotion states that, if a child would be born, you will need $234,900, to raise the child from birth to 17 years old. And that is without considering the possible inflation rates. What if you have more than one? Aside from the budget, this is where your savings come in.

If you haven’t started saving up while you were just a couple, you better start now. Not only would this ensure financial safety in the future, but it guarantees you a piggy bank where you can take money for emergencies, such as accidents and unseen house repairs.

Start saving for education

It’s never too early to start saving for college education. Invest in a college plan, if you can. But, this is actually not a major priority. There are still about 20 years before your child enters college.

If you need to prioritize, put the 20 years first rather than college.

Get or update life insurance

Make sure your insurance is updated. Check with your insurance agent if there are policies you can add, or existing parts in your policy that can accommodate a child. At least look for something, to help you with medical expenses.

Most insurance have this, so you don’t need to worry so much.

Be frugal, not cheap

Lastly, there is a massive difference between being frugal and acting cheap. Being frugal means you’re saving up for something more valuable than that frappe you want. But that doesn’t mean you’ll deprive yourself of the things you want.

Explore the numerous ways of enjoying frugality without being seen as cheap.

Planning ahead for whatever comes your way is always a magnificent idea. You don’t have to work yourself too hard so your family could live comfortably. All it takes is a little budgeting, sticking up to that budget, and never forgetting to have fun. Remember that all this is for the sake of your own family so you can enjoy life together.