5 Financial Tips for New Moms & Dads

If you’ve spent the last few days staring into your beautiful new baby’s face, you know you’re now the proud Momma and Poppa of a huge responsibility. It’s easy to let the mundane money minutia slip by unnoticed. Who wants to bother balancing a budget when you can sit counting those beautiful fingers and toes? But letting things slide won’t feel so warm and fuzzy when the collection calls start coming. And this is no time to put your family at risk simply because you’ve got the best excuse ever to ignore your money. Here are 5 tips to help keep you on track.

Make/Revise Your Budget. Shopping for Baby can be fun, but if you let your hormones drive your spending, you’ll be sorry. Before you lay out a cent, make a budget that shows how you’re going to deal with the changes in your financial landscape. If you’re living on maternity benefits and your income has fallen, adjust your budget so you don’t end up using credit to fill the gap. And there’s a whack of new expenses that you’ll need to work into your spending plan.

Shop with a List. Everything baby-sized is cute. The USDA says that families with an income of $70,000+ spend more than of $15,000 in the first two years of a baby’s life. No doubt you’ll want new and shiny for your sweet and beautiful. But if you leave the house without a shopping list, every time you go into a store you’ll have the word “sucker” flashing on your forehead. Impulse shopping is no way to stay on budget. Make a list before you head out the door. If it isn’t on the list, don’t buy it. You can always add it to your list for your next shop if you really need it.

Get Some Insurance. As responsible new parents, you will want to protect your baby’s future. That means ensuring there’s enough money to see the family through whatever may happen. Life insurance for both parents is no longer a nice-to-have. Disability insurance is a must. Skip insurance on baby; it’s not necessary.

Set Up an Educational Savings Plan. Do it from the get go. Wait five years to start and you’ll have to sock away a whole lot more to make sure Baby isn’t saddled with a ton of student debt. Start early and as little as $100 a month will do the job.

Make a Will. It’s easy to let this slip. Thinking about your own demise just when you’ve brought new hope into your world is yucky! But if you don’t have a Will and a Guardianship Appointment, you’re leaving it up to the system to make those decisions for you should the worst happen. Now that’s yucky!

44 Responses to “5 Financial Tips for New Moms & Dads”

  1. I’m 7 months pregnant. We got our will done 3 years ago and have already plan to remake them after baby’s birth with guardian. We have insurance for us too, already 1year of RESP. We’re on a budget since september and got 3 months of E.F., no debt except for mortgage and 1 car. We bought a lot of used baby items and I sewing too. Our budget for mat leave is already done. Thanks Gail for all your tips I learn a lot from you and poeple who write their story on your site: they’re inspiring

  2. And we’re still learning shopping with a list. Not perfect, but practice makes better.

  3. Tell people you’re expecting and they tend to donate a lot of used stuff.

  4. The most common mistake I see with insurance is not getting enough coverage. The single biggest thing should be, are you going to have enough money to last 20-25 years if you’re down to one income in the household? Play around with this calculator to get an idea:

    And if you’re working on a budget (and who isn’t), go with a shorter term policy to reduce premiums. That’s preferable to getting less coverage to reduce premiums.

  5. If you live in Ontario, just be aware you can’t open an RESP until your baby has a SIN number so it’s best to tuck the money away until then.

    Also – buy used. Babies outgrow things so quickly that a lot of items are “gently used”. Try stores like Once Upon a Child.

    Don’t buy too many clothes ahead of time – you never know how fast they are going to grow!

    Buy gender neutral – we did this (didn’t find out the sex of either child ahead of time) and everything worked for both our daughter and our son.


  6. I was listening to someone at work talk about his expected baby and the out of control shopping already happening. Everything has to be the best, top of the line and latest in fashion. Yikes! The baby isn’t even here yet and it is already a huge shopping excuse.
    Advice from a mom: Borrow what you can from friends and family, shop consignment stores, garage sales and Kijiji. In the spring look for the garage sales in affluent neighborhoods. You will be amazed at what you can find for a whole lot less than buying new. Often you can find items that look almost brand new, for a fraction of the original price. Just ensure the equipment that you buy is CSA approved and in good working order.
    Ask people with kids what they consider essential items, and what they had and never used. You don’t need too own everything out there. Kids out grow things so quickly in terms of size and developmental stages.
    Enjoy your baby. They grow into toddlers before you know it.

  7. When buying 2nd hand cribs, play pens and other equipment, do your research! I saw people on a website of stuff for sale recently go crazy over a used Graco playpen. I know they’ve recalled many models in the past. I’d be leery buying one as a result, without researching the model numbers. Not one person asked how old it was or for the number.

  8. I was told that insurance on baby was a good idea. Heaven forbid if baby should pass usually at least one parent ends up not working for close to a year. Insurance on baby can help.

  9. A little added on help would be, “Spending money is not showing your love”.

    That is especially important at their first few Christmases, cluttering up your house with 100 different toys that your child cannot possibly play with is not the best thing to do over the holidays. Use that money and visit family and get videos of them with their Grandparents and such, those memories live forever and are treasured more than any Tickle me Elmo.

  10. Used is great for most items. One caution: carseats should always be bought new, unless you absolutely know and trust the person you are getting one from. This is because if a carseat has been in an accident, even a minor one, it puts stress on the plastic and weakens it, making it potentially unsafe. To add to this, if you have an accident with a carseat in the vehicle, it should be replaced immediately.

  11. There’s no need to buy insurance for a baby! If you absolutely don’t have enough money saved for a funeral (in which case, why are you having a baby with no savings?), then get just enough to cover that. Do insure yourselves, though, unless the surviving spouse can afford the same lifestyle on their salary alone (and you still should have enough insurance to help a guardian raise the child in case you both die).

    Beware RESP “funds” (those group pool types of RESPs). If you don’t have a financial advisor, ask your bank if they have RESPs and open a family plan.

    I agree with Heather that you should get a brand new carseat unless you totally trust the person giving you one (and check the expiry date on it if you do borrow one–many people borrow the bucket-type ones until the baby grows large enough to be more comfortable in a regular carseat).

    You don’t need anything else new (though I’d personally go with a new crib because the baby spends so much time unsupervised in it and there seem to be so many recalls on old cribs). Save money by making your own baby food, use cloth diapers, breastfeed, and use your imagination for change tables (an old chest of drawers is perfect–keep baby’s diapers and clothes in the drawers). Check out second-hand stores and garage sales for clothing and toys.

  12. Big Cajun Man I agree completely “Spending money is not showing your love”. With the commercial reality that is Christmas these days it’s hard to keep that perspective, thank you for the reminder 🙂

  13. I would say insurance for your baby is a good idea…if you can swing even a small policy. As I’ve said before, our now 7 year old can’t get insurance since he was diagnosed with Type 1 Diabetes at 5…if we’d had it in place it would have carried over into a small but at least available policy as a young adult. Something to think about….

  14. Thanks everybody. Car seat, crib, matelas and stroller are new: I want my baby to be in security. For the stroller, I wanted a particular model, easy to transport and easy to go out (I’m a sporty women and want to do it with baby). But I paid them with cash and looking for best price. A co-worker gave me clothing diapers enough to get baby to potty. Just buy few clothes to beging. No toys: let those for my sister and father. I want to breastfeeding hubby will made baby food. He’s a handyman too so he made stuff we need for the house.

    @mees: here too we have to get SIN for baby first. But I got the first years contribution: will be easier when I’ll be on mat leave. We don’t know the baby’s sex so we bought unisex clothes.

  15. I was so lucky: my sister had her last child, a girl, 14 months before I had my first child, also a girl. We didn’t have to buy clothes, winter outfits and many accessories. We still get a lot of clothes and winter outfits! We asked friends and family for specific things that we knew we needed. When we did buy things, we didn’t buy the most expensive or we bought certain items second-hand. Having a baby was still pretty expensive, I thought, so imagine if we had had to pay for all that! I thank all these friends and family to this day!

    Because my husband has a heart condition that can be hereditary, we took an insurance on both kids. It’s small, but we were told it would be useful in the future if they did have the condition. They would then be certain of being insured as adults.


  16. Kimber,

    Sounds like you’ve got it covered. Congrats and best wishes for the future! From one who’s been there, don’t listen to the “war stories” about the delivery. Mine was complicated, long and difficult but I tolerated the pain and got a baby to boot! Labour and Delivery (if you choose a hospital birth) is the happy place in the hospital and I’m sure you’ll been well looked after. Plus you’ll be amazed that the body SO knows what to do. It’s humbling really. If I can offer any unsolicited advice, be kind and patient with yourself afterward. It takes time to heal and breastfeeding can really be a pain. But you’ll settle in after a few months. And the “terrible twos?” Oh, my…

  17. avatar Scott Powell Says:
    December 11, 2012 at 10:45 am

    In regards to education savings, please, please, please stay away from scholarship trusts or pooled education savings plans. The fees they charge are outrageous and you basically have no control over the investments. Take the time to read the fine print and ask lots of questions. I would also recommend you seek out a financial planner. A good Financial planner will be able to help with or recommend people to help with all the items in Gail’s list above. Also, stay away from that company that starts with prim and ends with erica. Most of all, enjoy your new baby!

  18. Timely advice!

    I’m pregnant with my first, due end of April. No Mat leave, no full-time job (this is not for want of trying), but a sizable savings. We’re not finding out the gender (to curb clothing spending, though I know my mom and his mom will go overboard in that regard anyway). I like the idea of gender neutral clothing; as someone noted above, it’ll be easier to reuse these goods in the future). We’ll start researching “accessories” in the New Year.

    We’re also not decorating a nursery — space is partly the issue, but it’s also ideological. I’ve never understood the desire to decorate a child’s room with childish decorations that you’d just need to replace in a few years, anyway. Truthfully, I think most of my friends (the Facebook generation — late 20s, early 30s) go crazy on decor just so they can photograph their finished product and put those photos online for everyone to ooh and ahh over.

    I’m trying to be practical and strategic in my planning and purchases, and would welcome any war stories from the financial trenches if any experienced veterans wish to share their experiences and advice.

    I do have one specific question about life insurance: does it matter how much you make? At the moment, my husband and my combined income is roughly $25,000, so we’re pretty used to getting by on very little. And to thwart any negative feedback about bringing a child into this world on so little, please note we are at the start of our careers (just out of/finishing grad school) and can expect to earn more, plus we have over three times that amount in savings, thanks to diligence.

    All the best~

  19. The only things we bought new were Crib and Car seat. At the time my kids were born there were a lot of recalls out there, so we wanted to make sure we didn’t buy something that might be unsafe. We were given a stroller that went from new born to no longer needed. Yes it was a little bulky but we made do. I was given a ton of clothes so had to buy very little. Skipped a high chair and bought a collapsable booster that went anywhere. We used it for both kids. Didn’t cost very much to get going. Ask around for clothing, I breastfed both kids, and used cloth diapers. Until they were almost 1 then switched to disposables when I went back to work. I made a daycare swap with my neighbour so neither one of us incurred day care costs for the first 3 years. Perfect arrangement.

  20. Lisa, can you elaborate a bit more on the day care swap? was this someone you’ve known for a long time?

  21. @ Anne – check the fine print on the limits on what your children might be covered for as adults. Often there’s a ridiculous limit (like $100,000 which sounds like a lot but isn’t for an adult). My research has shown that insurance for children is usually not worth it.

    My tips as a parent would be in line with everyone else’s – buy used (except cribs/car seats), try to avoid buying at all until there’s a definite need, etc. My favourite story is we bought a pretty cheap crib and I was jealous of my brother’s in law fancy wooden one with the curved cherry wood etc – until I noticed both our son’s tended to like to stand up and chew on their cribs like little beavers. Crib ain’t pretty no more!

    Also my advice is (a) start looking for daycare, especially if you live in Toronto and (b) get ready for a brutal sticker shock for its cost (like $1800 a month).

  22. Giving your child a secure financial future is more important than any stuffed animal or toy ever will be. Particularly in the first few years when they are so unaware of who the gift giver is, leave the presents and toys to friends and family. There is no point in parents buying their little ones hundreds of dollars of toys at Christmas while neglecting their savings.

    Especially with the time value of money, those hundreds of dollars saved early can amount to large dollars later.

    It is cliche but true how fast time goes by!

  23. When my first kid was born, there were a few things that I did right and a few that I wish I had done differently:

    1. I didn’t know that my baby would be OFF THE CHARTS in terms of size. Newborn clothes? HA- nice for a doll maybe (or perhaps an average sized child?) but ours were never used.

    2. I thought that I wanted a certain kind of stroller- nothing too fancy, kind of on the cheap side. Well that sucker broke after 6 months of heavy use and I had to replace it with a really good (not to mention expensive) stroller. I live in Vancouver, and while I have a car, we walk most of the time- My car sits parked for a week a time sometimes. A sturdy stroller is a must. We are still using this stroller with kid #2 so it all worked out in the end.

    3. Baby carriers- Snugli? Baby Bjorn? Sling? Ergo? Expensive. With my first one I had a snugli, but his legs were too fat to fit the leg holes comfortable and he hated it, so I just used a piece of fabric knotted at my shoulder as a sling. Uncomfortable as hell for me, but he loved it. With my second, I bought a second hand Baby Bjorn, which he loved, but he was so big it was killing my back. I sold the Baby Bjorn for what I paid for it and used the money to buy a pippalilly sling- he loved it, but outgrew it in a couple of months. A friend noticed me struggling and lent me an ergo – we are still using this, but have graduated to the back carry. The lesson here- borrow from friends to try your baby out in these things before committing the cash. These can cost a lot and whether or not the baby and you are comfortable depends on fit.

    4. Car seats and booster seats. Arg. HATE. So the infant bucket was quickly outgrown- my kid was 10kg by the time he was 5 months old – and we had to get the next size of car seat. I thought I was being really smart by getting the 3-in-1 convertible car seat- kind of expensive, but it was to be the last car seat we`d ever need. Except for I forgot Grandma would need something for her car. Not a problem, we`d just swap it back and forth (stop laughing, I thought that it would be easy to install!) Another problem was that this car seat did not sit in the rear facing position well without a towel to wedge under it to keep it level. When it was time for it to be a forward facing car seat, it did well, but when it came time for it to be a booster, it was a really crappy booster and we ended up buying an additional one (fortunately boosters are cheap). With Kid number 2, the first car seat was left in one car, and we bought a less expensive car seat for the other one. I like the less expensive car seat better.

    5.Hand me downs are great! Save everything. It helps if you plan it so your kids are born the same gender (check, did that-2 boys) and born in the same season (not so much- one was born in the spring, the other in the fall). So the annoying thing for me now is that there are a bunch of winter things that were the right size for my second kid in the middle of summer, and a bunch of summer things that are the right size now. Thank goodness for Grandma and value village to help fill in the gaps.

    6. Save up a bucket of cash before you have a kid. We saved up a lot of money before we had our first kid. We spent it. Then we wanted a second kid. We saved up a bunch more. Second kid is Now almost 14 months old and I am starting to work part time from home. I don`t think I will have a 3rd kid- I don`t think I can save enough to do a maternity leave and save enough to put the first 2 through university. If money were no object and I had more energy, I might have a 3rd, but I should have started younger. But when I was younger, we weren`t where we wanted to be financially before having kids. It`s hard, I don`t know the answer to this one.

  24. avatar psychsarah Says:
    December 11, 2012 at 2:29 pm

    I would add that even if you’re buying used, really think about whether you need it. My best friend had a preemie and didn’t have a lot of the “equipment” (think swings, bouncy chairs, etc) purchased in time, and she was so busy caring for him, she never got around to getting it. She noted that she didn’t miss it, because she didn’t know what she was missing!

    I’d second the idea about the booster seat over the high chair-easier on space and budget, and allows you to take it with you to grandma’s, friends’ etc.

    @Dotty-what we were told by our advisor about changing income was that it was better to get whatever policy you can afford when you’re young and healthy, as it’s cheaper. We did this, and then when our incomes increased and we knew we were expecting, we got additional policies. In my case the additional years didn’t make much difference, but my husband’s policy is actually split in two, with the first much cheaper relative to the amount of coverage compared to what we got later, since he was older and had had a surgery in the interim.

    Also, don’t listen to any critics of your income. I don’t know too many young parents who have three times their income saved! I was in grad school and know what it’s like to make due. Your sense of what baby “needs” certainly can expand with more money, but it doesn’t have to. For instance, I’m fortunate now to make a decent income, but I don’t buy many toys for my 17 month old kiddo (the family more than takes care of that anyway) because he loves playing with the broom, the tupperware, the telephone, etc. anyway. I have friends in similar income brackets who have veritable toy stores in the basements and their kids are the same as mine, so I see it as money down the drain for the most part.

    The other thing I should have prepared for, but didn’t, was to know the name and number for a good lactation consultant if you’re planning to breastfeed (wonderful for many reasons, but we’re talking finances here so I’ll stick to that). Even though they may cost a bit (if you aren’t accessing through the health unit or hospital) the benefits outweight the costs in terms of formula and bottles alone (not to mention all the other benefits that are well outlined elsewhere). It’s so much easier to research this info before you’re “in the trenches” so to speak, sleep deprived and frustrated. I’m not saying everyone will have problems, many don’t, but if you do, having the right help can be absolutely sanity saving!!

    Best wishes to all the new parents out there. If you’re reading this site, you should be in good stead financially, which allows you to concentrate on your baby. 🙂

  25. I guess $12 for a pack of condoms doesn’t seem to expensive now.

  26. @Paul That is hilarious!! We just saw a little rack of them hanging on the side in the diaper department. Very smart marketing!!!!

    We used the $100 from the Child Tax benefit to start the RESP’s for our kids. Because we started having it withdrawn automatically from the beginning, we didn’t miss the money, because we never had it! I also had my kids’ sin numbers within a month, so it doesn’t take long to have it all set up and ready to go. It came into our account via direct deposit on the 20th and went out via automatic withdrawl on the 21st. No chance to spend it!

    Also, consider how many kids you are planning to have when buying things the first time around. We have 4 children and are still using the same stroller. I have also run a dayhome for a large part of these years, so it has gone through a lot of children. Definitley worth the money at the beginning to have something of quality. And, by quality, I don’t mean trendy. We got something with big thick rubber tires that you could take anywhere even in the snow. We got a lot more use out of that then we would have from something built to easily navitage through a mall. Other things were more beneficial to buy used. I was often able to sell the used item for basically what I purchased it for once I was finished it.

    Ultimately you will look back and regret some things you did, and be happy with others, but in the long run, we know we are trying our best, and are grateful for happy, healthy children at this point in time.

  27. @psychsarah: thanks for that great feedback (esp. with regards to the lactation consultant).

  28. avatar melanie:-) Says:
    December 11, 2012 at 5:39 pm

    Do NOT cheap out on the stroller!!!!! We borrowed a swing thank god cause my son absolutely hated it!! Everything else was either gifted or lent my husband and I really lucked out. The stroller was a gift to us from all my aunts and uncles so I was cost conscious on their behalf and wish I would have just asked for a gift card to add to the cost of the more expensive higher quality stroller! Ours was a $250 stroller and it lasted a year that’s it!!!! Plus, you don’t need every combination of clothes from the gap! Not worth it!!

  29. I would definitely say if you can afford insurance on your baby get it. I know of children that can not get insurance because of a hereditary disease that one of the parents now has that they did not know about when they had their first child. I purchased a plan for my children that they can automatically increase their coverage without any medical questions/tests.

    For my first child most of what I had was used. The crib that I was given had been briefly used before it was given to me, in total it was used for 5 babies over 10 years and was retired only because there was no one else to pass it on to. The basic items that I received from my shower lasted not only my first child but also to my second child several years later.

    My biggest regret, not starting an RESP sooner. With my oldest looking at university next year I definitely wish I had started that sooner.

  30. Just a question to those who saved in advance of their child/ren: How much did you you sock away before your baby arrived?
    My husband and I are expecting our first in January. Because Gail has changed our lifestyle, we no longer have consumer debt, socked away $4000 specifically into our baby fund and have shopped frugally for our girl (plus received an abundance of second hand items).
    We do have a healthy income and will continue to do so once my maternity leave kicks in but when I read some posts about savings being depleted when the baby arrives, I am now second guessing if we saved enough; hence my question.

  31. avatar lindsaymarie29 Says:
    December 12, 2012 at 3:11 am

    I have a six-week old son and today he received his Canada Child Tax Benefit in the mail and it was for $48.38. This covers the two months (Nov and Dec) since he’s been born. That means my husband and I will receive $24.19 monthly until he turns 18. My question is, is this the “$100 Baby Bonus” that we were counting on? I was under the impression that all new parents received $100 each month for their baby until the baby turned 18. Does anyone have any insight into this? We were planning on using the $100 from the government and putting it in our son’s RESP. We live in Ontario, if that’s relevant to your answer. Thank-you for any feedback!

  32. There is a Universal Child Care Benefit that you ill get each month until he is 6. This is the $100. The money that you are getting now is the Child tax benefit, which is based on your income level and will be less if you earn more.

    Check out hte calculator here:


  33. In addition to the great advice above I’ll throw in my personal “waste of money” baby item. The crib linen set.

    It seems that everyone expecting their first child, immediately runs out and buys a set of linens for the crib: quilt, pillow, bumperpad and sheet. Then they proceed to decorate the rest of the room around that. Now consider the warnings on the package, which tell you to remove the pillow and quilt whenever the child is in the crib. First nap and the sheet has some bodily fluid on it and it goes into the laundry and a mismatched sheet goes on. So now you’ve got a room decorated around the bumperpad. Kids who turn out to be climbers are done with their cribs after the first year, and now you’ve got a room decorated around linens that aren’t even in use any more.

    Instead of spending money on the crib set, I recommend ignoring the crib and decorating the room suitable for a child up to maybe 5. Even get the coordinating linens for a single bed and tuck them away for a year. If you want it personalized, don’t choose the artwork until they are born, but make everything else gender neutral. Then buy crib sheets in plain colours to coordinate with the parts of the room that will be staying for several years. In a year or so when the crib is replaced with a single bed, you already have the linens ready and the room is done.

    I also second the suggestion to skip the change table. Dumb piece of furniture in my mind. We put a change pad on top of the dresser and all the clothes were easy to reach below and no furniture needed replacing. I also found that diaper changes only happened in their rooms when then got up in the morning, after a nap, and before bed. All other changes happened on a change pad somewhere else in the house.

  34. We have 3 kids. what I learned? no need for crib..we co sleep. They get used to a big bed early on…easy to transfer them over. No need for bottles, we breastfed. No need for fancy clothes, they ruin them or go through them constantly. Second hand just fine and you usually get clothes as gifts…too much. Even for my 3rd they threw me a shower and I ended up selling off most of it all. Carseat brand new and good quality a must. Decent high chair also, those new ones you attach to dining chair is best. Foods, make your own. Babies can eat what we eat early on easily if you learn to do so. Playpens…waste. Unless you intend to not be near your child much. We stored toys in ours….sold them off eventually. Waste. Change tables? Waste. You will change baby more on a bed or couch than you will some high end fancy table they can fall off of. Toddler beds? Waste. Go straight to single, set it on the floor. Toys. They come as gifts. sell off as they outgrow or store for siblings. Don’t get caught up at Xmas in hype. Teach kids to donate in summer to prep for Santa bringing new. They get used to it. Insurance for kids is a waste and scam. Save money instead. We got our wills done for free as I am a Realtor and made a deal with our own lawyer to send him business and give us free. Family RESP is all we can manage and the grandparents are adding to it for now while we adjust our own finances (my job isn’t bringing in much yet other than expenses and fees as I’m newer)….we are far from set but plans are there.

  35. @April while I agree with many items on your list I will say the playpen was a useful item for us. Our child was too strong, active and curious to safely be in a small bouncy chair or whatever for me to have a shower. He would scream but he was in the playpen at the door to the bathroom so I could have a daily shower (he always woke early) and it is also helpful when travelling and staying with relatives or friends. Now that we don’t need it, it’s still in great shape and will be going to my inlaws for my soon-to-arrive nephew so he has a safe and comfortable place to nap at their house (while being watched as an alternative to daycare). I think it was worth the $150 bucks for the good one I bought. I will say it was one of the few new items we bought…

  36. […] Gail Vax-Ozlade listed out her big 5 Financial Tips for New Moms and Dads. […]

  37. Just another note on the UCCB ( the $100 baby bonus) you get from the government.

    There are no income taxes taken off the amount you receive each month, but the amount is taxable. So once you do your taxes in the spring you will have to pay income tax out of pocket for this amount.

    The Child Tax Benefit ( the one based on your income) is not taxable.

    Something to keep in mind.

  38. You should also take advantage of eager grandparents, aunts, uncles, friends, etc. who want to help by donating gently used clothing, toys, and so forth. It’s fun to shop for a new baby but completely unnecessary to go into debt for it.

  39. Whilst I love my nieces and nephews to bits. I never buy them gifts for birthdays and Christmas instead I contribute to a savings account started by my now passed mother. This small contribution will be available to them when they turn 21 and only if it is used towards education or as a deposit towards a bigger ticket item and even then I believe my father will have the last word on whether he thinks it’s appropriate :o) Family can drown new offspring in items that a nether need or appropriate. Whenever friends have children now I make a real effort to find out what would be most appreciated as a gift instead of mooching round a clothes store and buying somethng they might already have.

  40. I loved the change table, play pen and swing…lots of use out of all of them…especially the change table…I always brought the baby to the table and changed him there…that’s where all the supplies were …plus it was the appropriate height so my back was spared being hunched over trying to change him on the bed/couch/floor etc…we got our money out of all those things with both boys and then I sold it all to a friend…(she bought the whole nursery)….the toddler bed also worked well for our oldest son who is autistic…he loved his crib but baby #2 was on the way and needed it, so we got a toddler bed so that we could use the crib mattress and bedding he was used to, plus we found one that looked alot like the crib so it was also a good decision..again, I sold it very easily

  41. Tip to new/expecting moms and dads :

    SAVE 20 dollars a month on diapers!

    Here’s a piece of advice I never got but wished I had.

    Taking care of baby’s bottom is the most expensive thing of all. Its a monthly expense on its own and is costing me as much as an utility at the moment.

    SO here’s my tip… look for diapers on sale. Figure out how many diapers are in the box of diapers that is the size you’re looking for (different size of diapers = different number of diapers per box). Sometimes the sales flyers don’t write how many are in the box for the size of diapers you need so you’ll need to check it out for yourself. Before you know it, you’ll be a diaper box buying expert.

    Figure out the cost per diaper (price for the box divided by the number of diapers) for example $32.00 divided by 104 diapers = roughly 31 cents per diaper.

    My child now wears the biggest size… size 6… when they are on sale at Loblaws, i stock up because they cost me closer to 30 cents a diaper instead of 40+ cents a diaper if I were to run into the pharmacy and buy a small package because I’ve just run out. That’s a saving of at least $20 a month.

    PS : LOBLAWS is often the leader at selling diapers for cheap. Find out about their baby “text” club… they will text you when they go on sale and its time to stock pile. You’ll be glad to buy diapers every 2 months instead of every week and you’ll save money in the long run.

    and YES, I do realize that cloth diapers offer even more savings.. but they depress me… honestly they did.. tried it and hated my life. If you use cloth diapers.. God bless you..

  42. Keeping expenses under control is very important. And to do that it is mandatory to maintain a monthly budget. I am doing this for a few years already and I say that it pays off. I started first with an excel sheet, later I realize there are free online tools which helps you to do that. I am using http://www.planthebudget.com

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