Preparing For A Baby – The Cost Of Having A Baby

Have you recently found out that you’re pregnant? Or maybe you’re planning to have a baby in the future? This is a major step in your life and it is absolutely vital to make sure that you prepare properly. Also, understanding the overall cost of having a baby is imperative. You’ll need to begin budgeting your finances, purchasing baby items and preparing your nursery! Within this guide, you will learn all about preparing for a baby!


Average Cost Of A Baby

It should be known that there are many variables associated with the overall cost of a baby. Some households will be required to pay more, while others will be able to make it through, without paying as much. This depending on your residential location and many other aspects.

A recent report was released by the Kaiser Family Foundation, which claimed that the average costs of doctor bills and fees were $9,700 for a regular delivery. For a c-section, parents should be prepared to pay up to $12,500! Take note that this is the birth only and doesn’t account for the doctor visitors leading up to and after this point.

Of course, this also doesn’t take into account the supplies, food, clothing and other items that you’ll have to purchase for your toddler. This only ups the ante even further! If you haven’t gotten the hint thus far, having a baby can be downright expensive and you’ll need to prepare early!


Consider A Baby Cost Calculator

If you’re looking to get a decent estimation of the cost of your baby’s first year, you’ll want to consider utilizing a baby cost calculator. Although the figure will not be entirely accurate, it will still give you a good approximation, which can help guide you in the right direction. You can find one of these calculators, by clicking here.


Understanding Baby Costs

After you’ve gotten through the delivery process, you will have many more baby costs to confront. Paying for doctor’s visits, preparing a nursery, buying clothing, diapers and formula will all come into play. These costs will be listed below for your consideration.

  • Potential daycare or babysitter costs
  • Formula and solid foods
  • Clothing
  • Medicine and doctor’s visitors
  • Bath supplies
  • Toys and books
  • Car seat, stroller, play yard, baby carrier
  • Diapers and a diaper bag
  • Swing, bouncer or activity center
  • A crib and changing table
  • Baby monitor
  • Bottles and bibs
  • Breast feeding gear

Although some of the items above are optional, some are required and will only up the overall price. Be sure to pick and choose those that seem most important to your family, your toddler and you!


Saving For A Baby

The good news is that you have approximately 10 months to prepare for your baby’s arrival. If you’re planned out your pregnancy, you’ll likely have any longer. This will give you more time to begin saving for a baby. Starting as early as possible is absolutely vital and will make the process much easier and help to assure that you’re even more prepared. Below, you will find a list of tips for saving for your baby.

  • Open an additional saving’s account at your local bank. Depositing a small amount into this account each and every week or month will add up over time and help in the long run.
  • Consider the costs of daycare and whether or not it’ll be cheaper for one parent to remain at home.
  • Always speak with your doctor and know precisely how many visits will be required and how much the delivery will likely cost. Remember that your insurance can help significantly!
  • Budget your money and figure out exactly how much your baby’s monthly supplies will cost.
  • Put a budget together for your toddler’s foods costs.
  • Always utilize coupons, when purchasing anything! Asking for samples can also help you save money!
  • Buy items over a period of time.
  • Buying items in bulk can help you save money.
  • Spend your money wisely. Spending more on items that will improve your toddler’s safety, such as a car seat and crib, is best.
  • Don’t be afraid to accept or purchase hand-me-downs or borrowed items.
  • Tax deductions and tax-free options are always helpful!
  • Don’t buy shoes, until later.
  • Always browse secondhand stores, yard sales and garage sales.
  • Don’t be shy about buying generic brands, as well as store brands!



In the end, saving for a baby can be stressful, but it will prove to be exceptionally helpful in the long run! Remember to prepare early, keep your head up and remain calm throughout! By doing so, you will be well prepared to provide your toddler with a good life.

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