Saving for a baby

If you’re having a baby, congratulations! And aside from the fact that a few months from now you’ll be holding that bundle of joy in your arms (woohoo!), you’ll also get a lot of time off work! (Double woohoo!)

But on that note, if you’re not working, you’re going to have less money coming in (unless your employer offers full pay during maternity leave). Eek! And baby things aren’t cheap, are they?

Well, don’t panic! Help is here. I’m going to give you a little help and advice on how you can start saving for a baby so that you can keep the money worries at bay when your little one arrives.

The stress-free guide to saving for a baby

1.. Maternity clothing – I’m afraid you’re going to get a teeny bit bigger(!) so you’ll need clothes to fit your ever expanding belly.  The problem is that buying maternity clothing is a minefield. Most brands only sell it online which means you can’t try before you buy and a lot of the ranges are incredibly uncomfortable. As a result, many mums-to-be end up buying a lot of items they don’t get to wear. My money saving tips here are as follows:

  • Don’t dismiss your current wardrobe. Your favourite jeans and trousers won’t fit you but any loose fitting shirts, tops and dresses might. I was able to wear a lot of my existing wardrobe until month eight.
  • New Look offers some of the best maternity jeans and leggings on the market and Gap’s maternity/nursing tops are very flattering and comfortable. Why go expensive when you don’t have to?
  • Be realistic about your style limitations while you’re heavily pregnant. You don’t need to look like a million dollars every day so all you need is a couple of simple tops and jeans/leggings and you should getaway with your existing jackets, scarfs and wraps.
  • Borrow maternity clothes from any of your mates that have recently had children. I’m not asking you to share their big pants but there may be a few nice shawls or tops that you could borrow to save you buying your own.

2.. Building a baby fund – Set up a savings account as soon as you can. This is where you’ll put all the money you’re saving for a baby. And to save this money, here’s what I recommend:

  • You’re no longer drinking booze or smoking so whatever you used to spend on that per month (and be honest!) should go into the baby fund. Also, get your partner to cut back on his drinking and smoking too and that baby fund will grow even faster.
  • Shortly before the baby is born, you’ll go through a nesting phase where you’ll have strong urges to clean and sort the house out. Rather than doing this late in your pregnancy and causing yourself an injury, do it now. With a little help, you may find a pile of things that you can sell to make some money.
  • Change your eating out habits. DON’T eat out less often as it’s important you make the most of your ability to go out before the baby arrives, but instead use vouchers when you eat out. Then put the money you’ve saved in the baby fund!
  • On the subject of eating, now that you can’t eat certain foods, use the change of diet as an opportunity to review the way you do your food shopping and cut down on your food bills. For help, I have a guide here. Again, what you save each week, should go into the savings account.
  • Having a baby is a new and exciting experience and there is a temptation to buy a ton of baby books and guides to help your through it. My recommendation is not to do this. Speaking from experience, even though I bought lots of these books, I found the most valuable information came from the internet or my mummy friends. Save your money. A good website for help is http://www.babycentre.co.uk
  • Review your direct debits for membership fees for gyms, fitness classes and other clubs or teams. I’m sorry to say that once the baby arrives, you’ll be far too busy to make use of these for a while so it’s best to cancel them as soon as you can and save that money.

3. Getting the home baby-ready. There are a lot of things to buy in preparation for the baby’s arrival but how do you avoid spending a fortune? Here are my tips:

  • For the nursery, you’ll need a cot, black-out blinds, a wardrobe and a changing table. Review eBay for any nearly new items (you don’t want anything that’s not in great condition) and then I recommend obtaining the rest of the furniture from Mothercare, Toys-r-us or Ikea. They are the cheapest brands and the former two often have discount vouchers so keep your eyes peeled and get ready to buy! For the black-out blind, you are spoilt for choice when it comes to low cost options, but again, look out for sales so you can buy it when it’s at its cheapest.
  • Take control of the baby shower. Your friends and family are likely to want to celebrate your new arrival with a party or with gifts. Rather than going somewhere swanky, host something small at your mum’s or best friend’s house to save everyone money and then they can spend that instead on something you will need for the baby. You can set up a little gift list of small affordable items such as nappies, newborn clothes, baby wipes, changing mat and other bits and pieces so that you’re stocked up for the first few weeks.
  • Join your local mums group on Facebook. Not only will you get lots of support and advice, but you’re likely to also get offered a few helpful items that they no longer need such as pregnancy pillows and moses baskets!

Once the baby arrives, a whole load of new costs will arrive, so check out my guide on acquiring these things simply and cheaply here!

I hope this little guide has helped you and given you some tips for saving for a baby. Now sit back, put your feet up and enjoy the peace and quiet. You’re growing a little person and need to take it easy!

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36 Comments

  1. July 18, 2016 / 1:13 pm

    Oh these are some lovely tips and sometimes why not borrow your partner’s shirts / tshirts on some days if you can lol x

  2. July 18, 2016 / 2:20 pm

    Great tips when I was pregnant I was lucky to borrow maternity clothing as my sister in law kept her ones and we are the same size.

  3. July 18, 2016 / 4:14 pm

    Now these are great tips and I love the idea of cleaning earlier x

  4. July 18, 2016 / 7:08 pm

    The idea of saving for kids one day terrifies me – great tips though!

  5. July 18, 2016 / 8:14 pm

    I am not saving up for a baby by any means but I think that making the most of the wardrobe you already have is a great way of saving the pennies.

  6. Sam Jeffery
    July 18, 2016 / 8:21 pm

    Such great tips, these are things me and my partner need to start thinking of now so great to hear from someone who has already done it!

  7. July 18, 2016 / 9:28 pm

    some lovely tips shared, I hope to use them in the future. I am lucky my company also offers almost 6 months full maternity pay then half for 3 more months

  8. July 18, 2016 / 10:04 pm

    Amazing tips! This is such a good post for pregnant mummies to read!
    I agree with you, I wore a lot of my exisiting wardrobe, I just bought some maternity jeggings and leggings! ^_^

  9. July 18, 2016 / 10:31 pm

    Great tips, I am sure it must be hard especially when you’re not working to keep saving for a baby x

  10. July 18, 2016 / 11:32 pm

    These are some important things to keep in mind. There’s a lot you have to plan for! You don’t have to go broke though!

  11. July 19, 2016 / 7:53 am

    I am 6 months pregnant, so these tips are handy for me. I am really surprised at how little maternity clothes I need so far. Just some jeans and leggings and I can still wear the rest of my clothes.

  12. July 19, 2016 / 11:43 am

    Your tips here are spot on. I definitely could still wear some of my loose clothes when I was pregnant.

  13. July 19, 2016 / 12:05 pm

    Another great tips for expectant mums. I actually only started buying maternity clothes when I couldn’t fit into them and also wore them well after I’ve given birth. Starting a baby fund or any fund for your child is a great idea too. x

  14. July 19, 2016 / 1:07 pm

    Some fab tips here! I think money side of things can put a lot of people off trying for a baby.

  15. July 19, 2016 / 3:11 pm

    Some fab tips, having a baby can be expensive but it doesn’t have to be. You can get some lovely clothes and second hand stuff in Car Boot sales, charity shops and NCT sales.

  16. July 19, 2016 / 3:38 pm

    These are such good ways to save for when a little one is coming! I didn’t get to the point where I needed to need maternity wear due to the fact my daughter was born at 32+2 weeks and my bump wasn’t at all big. We also shopped around for really great deals getting a bundle of a cot, pram, changing bay and everything that was a baby ‘starter kit’ for a little under £500 but I wish we had saved a little more actual money. Back when my daughter was born there wasn’t really the craze for baby showers like there is now either, so everyone bought us loads of pink teddies and newborn clothes which were lovely but really not needed. I actually had loads of them for years until my friend was having a girl and I gave them all to her to save pennies! xx

  17. July 19, 2016 / 6:11 pm

    Great tips! It must be easy to go overboard with these costs without realising 🙂

  18. Helen
    July 19, 2016 / 7:12 pm

    Lots of brilliant tips here having a baby is such an expensive time! I “made-do” with as much as I could clothes wise as maternity clothes are so expensive and pretty much lived in leggings. eBay was a fab place for bargain maternity clothes too.

  19. July 19, 2016 / 7:59 pm

    Some really great tips here, it’s so expensive having a baby so really important to save where you can x

  20. July 19, 2016 / 11:43 pm

    Fab ideas here, I love the idea of saving any cash you’d have spent on alcohol! I don’t think I’ll ever be able to properly afford a baby but every little helps 🙂

  21. July 20, 2016 / 2:03 am

    Great tips! It can be hard saving for a baby with everything else going on, but well worth the effort.

  22. Fi Ni Neachtain
    July 20, 2016 / 7:53 am

    Really great tips to follow. Baby things definitely aren’t cheap but they’re all so essential!

  23. Tanya Brannan
    July 20, 2016 / 8:42 am

    Some fantastic tips here! I wish I had a list like this before I had my family!

  24. July 20, 2016 / 12:00 pm

    These are great tips. Babies don’t have to be as expensive as people make out do they

  25. Hannah
    July 20, 2016 / 2:34 pm

    Lots of great tips in this post – thanks for sharing x

  26. July 20, 2016 / 7:44 pm

    Some wonderful tips here, the financial side of big life changes can be really scary. I’m definitely all about making the most of the clothes you already have too 🙂 ! x

  27. July 20, 2016 / 7:50 pm

    Really great tips. Money stress when you’ve just had a new baby must be the worst thing so preparing well in advance sounds like a really good idea.

  28. July 21, 2016 / 8:00 am

    I think if you worked out how much a baby cost before they arrived you’d never have one LOL – great tips though :0)

  29. July 21, 2016 / 12:29 pm

    Very good tips, we started buying baby clothes, toiletries nappies etc when I found out I was pregnant to save us having to spend it once baby arrived. We got everything in sales x

  30. July 21, 2016 / 1:29 pm

    Great post! My Mum bought one pack of nappies a week for the duration of all of my pregnancies, in various sizes, so that when the baby was born we had a good 6 months supply, if not more! We also tried to shop around in the sales when the babies were born, I didn’t buy so much as a Babygro the entire time I was pregnant out of fear we were tempting fate.

  31. July 22, 2016 / 6:09 am

    Great tips! Wish I had read this before I had my baby :-). I was at my heaviest towards end of the summer when I was pregnant which meant I was able to get away with not buying many maternity clothes.

  32. July 22, 2016 / 8:55 pm

    Great tips, which actually would apply to lots of situations, not just saving for a baby.

  33. February 18, 2017 / 3:03 am

    This is an absolutely great post.We have one boy (age 1) and wish I’d read something like this one year ago. Great advice! Nice job.

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