Pregnancy & Birth Clubs <
12/02/2014 at 15:49
I am just wondering how much we need to budget to be able get all that the baby needs once he / she is here...
I know this is a 'how long is a piece of string' kinda question and I am not looking for some big debate or anything like that.
EG me & OH have a joint account for all household bills then our own accounts. We are planning on putting extra into joint to cover baby / child needs. OH works 3 days a week and will be a very hands on dad so the child money needs to be somewhere we can both access at all times.
I plan to breastfeed (if I can). Am I being totally unrealistic by assuming a baby doesnt need much at the start? I know family and friends will be very generous and we have already got offers of moses basket, baby bath etc.
I am really meaning the day to day costs of having a baby / child as we really have no idea what to expect!
12/02/2014 at 15:57
Day to day costs for us are mainly formula and nappies, child benefit is £80/month and currently cover the majority of his milk and nappies every month. Unfortunatly there are always things you need to get, clothes/new bottles/teats etc- we budget £100 a month for extras which does us. For before the baby arrives somewhere for them to sleep is the only essential- personally I wouldn't buy a Moses basket again as he only lasted 10 weeks in it so would borrow if you can.
12/02/2014 at 16:04
I don't think we had that many extra costs in the first few months once we'd bought all the big stuff - I BFed, so it was just wipes, nappies, clothes etc. and the odd baby group, although I went to quite a few sure start ones that I went to were free, and the money I was saving in petrol and not going out easily covered it.
No idea really what the costs are, we don't seem to be any worse off after having had C even though I'm now only working 4 days a week.
12/02/2014 at 16:13
the other significant cost we found once Luke came home was heating during the day and your fuel cost go up. when is your baby due? Summer? You may be ok until Autumn but find your heating (and lighting and general electricity- cups of tea at home etc) is on more compared to when you were at work FT.
12/02/2014 at 16:34
12/02/2014 at 16:40
Not as scary as I was anticipating then ! Thanks ladies.
Yes Carole I would imagine that will all add up though we have a wood burning stove which is quite efficient heat wise but electricity bill will def go up. Def something to put a few pennies by for!
12/02/2014 at 16:46
It's really just the cost of nappies and wipes. Chances are you will get lots of clothes as gifts.
The main expenses are things you don't realise like Carole said- you'll be at home during the day so you're using more gas and electric.
We seemed to spend a lot in Costa when W was born as at weekends when we went out for the day we wouldn't normally stop for a sit down in a coffee shop but you have to to feed so that all adds up.
A lot of baby groups are free or just £1 donation but some are more expensive if you want to do classes like swimming , sign language etc.
12/02/2014 at 17:46
I've been surprised at how much we've spent preparing for baby. I was determined not have that mindset of having everything brand new and shiny and I'm beginning to wonder if I did indeed fall into that trap!! Lol! We did decorate a room which required painting, carpet, wardrobe, chest of drawers. We inherited a cot bed and Moses basket but have bought everything else new and including the redecoration I reckon we've probably spent 2-3k!! I've invested in cloth nappies, washable wipes and breast pads to attempt to save money in the longer term.
12/02/2014 at 17:57
12/02/2014 at 17:59
Childcare will be your big expense but they aren't expensive in the early days unless you want them to be!
12/02/2014 at 18:32
12/02/2014 at 20:42
Main cost is loss of salary then childcare. Our heating bill has gone up, but petrol down. We eat less meals out too and drink less!
We bought most clothes 2nd hand or in sales. We got given a cot be needed a mattress. We were bought pram and car seat. We buy supermarket nappies. Aldi are our faves and I BF. We go to lots of groups but mainly freebies through the children's centre. We pay for swimming £8 per week for M, me and my h.
12/02/2014 at 20:48
I have budgeted £1200 for decorating the nursery including furniture - the mamas & papas set I like is currently on sale www.mamasandpapas.com/.../type-i but it feels too early to buy? Do they have sales often?
Lsis that what's I think will happen naturally - we will spend less on ourselves to spoil little one :)
Childcare is free - my parents ha! OH works 3 days (long shifts) And ideally I will go back 3 days so my parents only have to cover one day. Hoping to take the year off too - it's taken so long to get pregnant & I just want to be a great mum & spends lots of time with he/she.
Think we will find out sex - if it's a girl everything will be pink & sparkly! Lol
12/02/2014 at 21:17
They pretty much constantly have a sale/20% off etc in both Mothercare and Mamas & Papas. Although we found a set we really liked and then it was unavailable for months so we gave up. Think we were unlucky though.
Our baby isn't here yet, but we've anticipated that our gas/electric bills will go up because I'll be at home all day. I spend a lot working in London (travel, lunches, coffees), so I'm pretty sure no matter how expensive baby groups & nappies are, my overall spending will definitely decrease! Our biggest outlays have been pram and car seat and the furniture for her room. But we invested in quite a good set with full size wardrobe and a cotbed that we hope will last for a good few years.
12/02/2014 at 21:20
Sweetpea's post really resonates with me! I planned to keep spend to a minimum. I started with Moses basket & stand on eBay, £20. Then eBay cot £15. We had a wardrobe. But then wanted a changing table. A pram/travel system. A bouncy chair (I wanted the £15, hubby wanted the £30). A cot mobile. Oodles of clothes. I bought a secondhand bath support, hubby decided we needed a bath too. 2 changing mats. 2 changing bags. Decorative stuff for nursery that wasnt necessary. Decorative stuff that was. Double electric breast pump, steriliser, bottles. Maternity clothes. Sundry stuff like nappy cream, cotton wool, storage stuff, nappies etc. All in all, including decorating and carpeting the baby's room, I reckon we've spent 1.5k. Ouch. My initial estimates, being frugal and sensible, were around the £800 mark.
Loss of earnings in the first few months is approx 3.5k. Going forward, once we're both back working our main cost will be childcare.
Wow, 5k. Had no clue!
12/02/2014 at 21:29
Counter you have now scared me lol
Changing mat was so not on my list - thanks for that! Changing bag has been though, funny that !
Are breast pumps really expensive? I wasn't going to bother with any of that until I find out if I can breast feed or not.
12/02/2014 at 21:34
Don't worry about a breast pump. See how you go. I'm going back to work after 3 weeks (2 days per week) so I know already I'll need to express. If I was off longer I'd not buy one unless I decided I needed it :)
12/02/2014 at 21:46
I think it just depends on what you want to buy but babies don't need to be expensive. I think £1200 on a nursery is extremely expensive and unnecessary but then I know others who spent £4k so it's so personal.
I'd say including the pram, clothes to last until he was 9 months, nursery furniture and decor, travel cot, jumperoo, nappies ttc etc maybe cost £2k. I bought wisely though. My pram was £1k originally but I got it in a sale then found a 20% off code, my furniture was £500 but I only paid £200 and that's a cot bed with separate changing table.
I wouldn't buy baby wardrobes as they are useless longer term. Far too expensive for what they are.
Mamas and papas ALWAYS have sales on and often they say things are on sale when in fact they are never full price in the first place.
Daily babies don't cost much especially if breastfed. Our nappies are £15 a month, wipes maybe £4.
12/02/2014 at 22:37
The upfront costs can be as expensive or cheap as you want. If you're happy to buy second hand, accept gifts from other mum's etc.. it can be really cheap. If you go for the best of everything it can cost a bomb. I've gone somewhere in the middle, I've splurged on a Stokke travel system, and a bounce n sleep, but bought a nursery set in the sale from Argos, and been given some items from my SIL. However even this way I'd say I've easily spent £2,000 once you include everything like maternity clothes, redecorating the nursery, etc... However I have been really organised as me and the OH are having a career break once the babies born for a few months so we'll be living on savings,mat allowance and rental income, a lot of the stuff I won't need for months to come (bouncer, bumbo).
13/02/2014 at 11:15
I agree it can be as cheap or expensive as you want. If you buy new top-brand nursery furniture, pram, car seat and all new baby clothes then the costs can quickly mount up. Or you could go the other extreme - we did buy a car seat but could have gotten away without one as we don't drive and live in an area with lots of public transport. We didn't even strictly speaking NEED a pram, we could have bought a sling (we paid £90 for a decent one that we're still using at 13 months, you could also go secondhand) and used that at least until the baby was big enough for a cheap stroller or potentially never even bought one and just got a toddler carrier instead. You can get bundles of secondhand baby clothes very cheaply on eBay, local FB selling sites or charity shops. Babies don't need lots of toys really and again you can go secondhand. We did buy a cot but Alex doesn't sleep in it, he sleeps in our bed so we could have got away with paying nothing for that. Someone lent us a Moses basket.
Like most people we've been somewhat in the middle. We bought an expensive Stokke pram but did it secondhand. Clothes are a mixture of secondhand and new (we bought mostly secondhand for the early days but people did buy us new clothes too, and as he's gotten bigger it's become more worthwhile to buy new especially as it's all gender neutral and we will use for second baby).
Childcare is a real killer, we're paying around £700 a month for 2.5 days a week!
Oh and don't forget that you can often get a fairly decent resale value on some baby things. Not clothes, they seem to lose their value quite quickly at least in my area but things like the Jumperoo, Bumbo, slings, cloth nappies, cots, prams... often sell on for not bad money. Depends what you've got, what condition and what you paid for it I suppose. I bought a breast pump on a very good deal from Amazon and when I sold it on practically still new, I managed to recoup what I'd paid. If you've an eye for a bargain and good at selling then you can get away with spending very little in net terms. I think I spent £15 on the Bumbo and looking at the local FB selling sites should get a tenner back for it when we want to sell again, Jumperoo I bought for £45 and should be able to get £35-£40 at least for it.
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