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Archive for August 3rd, 2011

PostHeaderIcon From Natural Parenting to Credit Cards – Five Ways to Save Money When Baby Arrives

  Written By: Guest Blogger

credit cards save money with baby

parenting and financial planning{The following is a guest post provided by Mike Brains, a financial advice blogger from the U.K. You can find other articles by him on FinancialFacts.org. Thanks Mike for providing us with this useful information!}

We hardly need to mention how expensive children can be – it’s pretty well documented that they can cost thousands of pounds until they fly the nest (and often beyond).

Chances are, in the years leading up to the birth of your first child, you’ve enjoyed the financial freedom that comes with having no dependents. However, you’ll want rein in your reckless spending once your baby arrives – and there are plenty of ways save money. The features that certain credit cards boast can help you cut costs, while adopting natural parenting techniques can also help you save a small fortune (not to mention give your child a great start in life). Here are five tips to keep in mind:

1. Spread the cost with your credit card
Thinking about how you’ll pay for cots, bedding, car seats, clothes and the other things that crop up when you have a baby? Then using a balance transfer credit card to spread the cost could be useful – get a lengthy 0% introductory period on purchases and make sure you pay off the minimum amount at the end of every month without fail.

2. Carrying out balance transfers
If you’re setting a new family budget, you’ll want to save every penny you can. Also, if you’ve got outstanding balances on other cards, carrying out a balance transfer to a card with a lengthy 0% balance transfer period could save you money each and every month.

3. Get cashback on your purchases
If you’ve decided to compare credit cards, be on the lookout for attractive cashback deals, especially if they offer a certain percentage in big chain stores where you’re likely to be spending plenty of money on baby products.

4. Become an attachment parent
Breastfeeding your baby for at least the first couple of years – as recommended by the World Health Organisation – not only gives her the best, healthiest start in life, but it’ll also save a small fortune on inferior formula milk and bottles. Similarly, using cloth nappies which can be washed and reused is not only kinder on baby’s skin than disposables; it’s also much, much cheaper.

5. Make-do and mend
Not everything you buy for your baby needs to be brand new. Babies grow so fast that they may only wear an outfit once – so ask around for hand-me-downs from relatives and friends. Also check freecycling sites for free, second-hand furniture and toys – there are plenty of people out there eager to lend a hand to their fellow parents.

And remember that no matter how much money you save with a credit card or through natural parenting in these early years, this is only the start – you’ve got decades more of being tapped up for money by your kids, so get used to it!

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