As I am nearing the end of my pregnancy, I have tons and tons of blog posts that I am wanting to write that has to deal with pregnancy and what I have learned throughout.

This is our last baby. This time has been completely different than the first pregnancy, both mentally and physically.

This time, I have taken more initiative in trying to be financially prepared. Everyone tells you, if you wait to be financially stable to have a child, you never will. That cannot be further from the truth. You never truly are financially stable for what is to come when having a child. So many unexpected expenses, not knowing what you will need and what you won’t, etc.

So, I have come up with a few ways that you can save and prepare for when your little bundle of joy arrives.


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Start Buying Diapers

Once you find out your are pregnant, immediately start buying diapers. You will NOT regret this. I go to the grocery store once a week, and every time, I buy a package of diapers.

Buy different sizes too. For instance, you will not need that many newborn diapers compared to the amount of size 1 and size 3. Size 1 and 3 are the sizes that your baby will be in the longest, that I have learned. So, I buy those sizes the most.


Stock Up on Rice Cereal

Another big thing that I use a lot in my household, is rice cereal. My son had really back acid reflux when he was a newborn, and would seriously gag and throw up mucous a lot. SCARED me to death most of the time. Our pediatrician recommended rice cereal. Most doctors don’t recommend supplementing formula or breast milk with cereal until at least 3-4 months, but mine little was started almost immediately.

Not only did the cereal help fill him up and he slept longer through out the night, but it helped with his reflux. So, this time…I have decided to start early and stock up with cereal, because it has gotten more expensive since my last pregnancy. So, like diapers, every trip, I get a container of cereal.

This is totally optional, you always want to consult your ped. if you have questions. But I know from the start, this baby will have cereal mixed in with her formula or breast milk.


Re-purpose Old Baby Stuff

Why buy new when you already have things that you can use? Although my first was a boy and now I am having a girl, we are still going to use the same carseat, stroller, pack n play, and swing among other things.


Baby Crib

Yes, they have blue, but they are still perfectly functional and will work. Of course, this is totally up to you, but these things are SO expensive that it is ridiculous. So, we decided early on, that these things we already have will work perfectly fine for the new baby too.


Buy Second Hand

So, this time around, I have been addicted to online facebook sales. Seriously, I have managed to get tons of baby girl clothes in bulk for super cheap! I already know that she won’t wear half of them, but they all came together. This tactic alone will save us a TON of money on clothes.

If you don’t mind second hand, then join some online garage sales in your area and start buying baby clothes, shoes, etc. You will be surprised on how cute some of the things you will find are.


Make Your Own Decorations

Really the only thing we have splurged on this time around is our crib bedding set. And, that was bought by my in-laws! Everything else I have made. I will have a new post shortly on all my DIY nursery decor and can’t wait to share!

Shop new arrivals from Cricut!

I literally made my own canvas art, my own headband holders, we re-purposed the closet area because she will be sharing a closet with her older brother, I made my own milestone blanket…the list goes on.

Buy cheap materials and DIY…you will be amazed at the money it will save you.


Pay Off Debt

One thing that my Husband and I decided to do, is to pay off as much debt as we could before baby gets here. Our daycare bill will be going from $300/mo to about $700/mo. So we decided to pay off as many of our credit cards, medical bills etc. as we could. This has really made me feel better in regards to our finances.


Knowing that we don’t have any credit card debt is a relief! Medical expenses was a big thing for us as well. So, we worked really hard to try and get those paid off.

If you have the means to do this, do it. It will relieve a ton of stress off of you.


Plan Your Meals

Another HUGE stress reliever I have done is I have prepared meals for when baby gets here. If there is one thing that I have not been motivated to do while being pregnant, it is cooking dinner. Of course when you have no dinner and a house full of hungry kids/ and a husband, you get tempted to order out or pick something up…which costs money.

So, I have used my handy Pinterest, and looked up preparing meals. I have found and used a TON of recipes, cooked them, and have frozen them just so we have options for when the Baby gets here, because I know without a shadow of a doubt, I will not be in the mood to cook supper.

This alone, will save us a ton of money by allowing us to not be tempted to go out or order in something.


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Having a baby is hard, both mentally and physically, but why have added stress when you don’t have to when it comes to finances? Of course you will still have unexpected things come up, but what you CAN plan for and get ahead of the better you will feel and less stressed you will be.

I truly hope that my little list has helped you in preparing for your little one. I know that these little things have helped us tremendously. I will feel more at ease for when this time finally comes! Down to our last few weeks!!


Do you have more ideas on how to financially prepare for a little one? Drop a comment below, i’d love to hear new ideas! As always, if you enjoyed this post, please pin and share it!


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4 thoughts on “How to Prepare for a Baby Finacially

  1. Meal prep is a great idea! My daughter prepared several freezer meals before her last baby was born. She was thankful that she didn’t have to worry about every single meal for awhile after the birth. Best wishes with the new baby!

    Posted on 10/25/2017 at 5:54 PM
    1. Thank you, Shelly!!

      Posted on 11/08/2017 at 10:00 AM
  2. Thank you so much Raechellee! These are some fantastic tips! I personal love second hand, your child is going to spit up, poop and pee all over himself why buy brand new?! I love that you brought up the rice cereal, because we fed my nephew rice cereal when he was two month and the doctors stated that he was the most healthy and happy baby he’d ever seen. Isaiah was at the perfect weight, slept throughout the night and was genuinely such a happy baby. MOM’S feeding your child a 1/2 TBS with his milk is going to be the best decision you’ve ever made! PROMISE!

    Thank you for sharing Raechellee

    Posted on 10/31/2017 at 8:24 AM
    1. Tanya, my baby is almost two weeks and I give her a couple tablespoons at night and she slept all night last night! It was amazing! It worked with my son as well. Best thing ever. Buying second hand is the only way to go with me when they are so little. They out grow things in like a week! LOL. Something has to be on sale for super cheap in order for me to buy retail. Thanks for your comment!!

      Posted on 11/08/2017 at 10:00 AM