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Save money before baby arrives


Bambinos are expensive – even before they arrive. In the US, the average cost of having a baby - including all prenatal visits and delivery - is $30,000 for a spontaneous delivery and $50,000 for a C-section, according to Truven. A survey conducted by Childbirth Connection found that women with insurance pay, on average, $3,400 of that. Even if you're looking into adoption you still have expenses. Here are some tips to save:  
Clothing Maternity clothes, even at less expensive major retailers, are pretty spendy. It isn't an expense you can skip altogether. Alternatives: Hit up thrift stores, second-hand stores and the clearance rack at your favorite department stores. Buy non-maternity clothes that are a few sizes larger. Raid your hubby’s closet and borrow from friends.  
Baby showers You know you want one! Register for items you know you'll need - such as a car seat, a crib or bassinet, a swing and clothing. Consider asking guests bring a pack of diapers instead of a gift.
Hospital costs Midwives can be the less-expensive route. You delivery at a birthing center instead of a hospital, which can saves thousands. The major downside is birthing centers do not employ anesthesiologists but if you are low risk and plan to deliver naturally, this may be the right choice for you.
Baby items Wait until after you have the baby so you can see what items you actually need. You may prefer to not use a traditional changing table, for example.
Bills You will start to receive medical bills within a month after delivery. Just about everything comes with a price - your doctor, the baby's doctor, the hearing doctor, the newborn screening test, the epidural, etc. - all billed separately. Call and negotiate. It may be the case that if you pay in full the companies will give you 10% off. It's worth a shot.
About the Author: Sarah Brooks is a freelance writer living in Glendale, AZ. She writes on saving money, small business and travel.


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