new baby, no money..
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Thread: new baby, no money..

  1. #1
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    Default new baby, no money..

    Were going to have a new baby in July, the other day my DH made a budget and it seems our economy is going $-200 when the baby arrives.

    I wonder if there is any way that the costs for a newborn can at least partly be covered by some company that gives out formula/diaper? Tips anyone?
    We plan to buy diaper on sale up until the baby arrives, but that wont last long i am sure.

    I checked on WIC and it seems DH earns too much the limit is 37.000 yearly income and DH earns 38.000.




  2. #2
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    The bottlefeeding board might have some advice if you're 100% decided on using formula, but breastfeeding is virtually free (you would probably eat more, want some nursing bras and breast pads, etc but even with the cost of my pump I think my total investment was under $500 and I bought an almost-$300 pump).

    If you have easy access to a washer and dryer, then cloth diapering is also pretty economical. I would guess I've spent about $1000 but only need to spend another $50 or so for baby # 2. You can do it more cheaply, but we went the convenience route.

    If you don't want to/can't cloth diaper, then sign up for the coupons from the manufacturers too - you can't use them at places like Sam's Club, but you can use them everywhere else and if you combine them with sales then you'll get an even better deal.

    For clothes (especially if you have a girl since it looks like you already have boy clothes) you could try your local freecycle. There are always baby things being offered and requested on mine.

    Good luck and congratulations!!
    Natalie & Dan - June 2, 2001
    Samma - Nov. 5, 2004
    Tommy - Oct. 19, 2007




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    I can totally relate to you. I'm still a student, so when DD was born it wasnt practical for me to go back to work--the daycare costs around here (i'm in CT and it is pretty expensive) would have left me making very little or no profit. Have you considered picking up something extra on the side? I started work in direct sales and it makes just enough to cover the thigns we need, and really helps balance our budget. I hope you find something that works for you!

  4. #4
    CocoPuff
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    I agree with the cloth diapering!

    We cloth diaper ds and I have spent around $400 for all of his diapers and we never have to spend any money for any disposable diapers and whenever we run out, just wash them! Super easy and it is very economical in the long run.

    As far as formula, I would still check with WIC because I think they are pretty lenient with that. But I agree, BF is absolutely free, but if for some reason you can't, there are programs out there

  5. #5
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    I checked with WIC again and it seems the websites I read this on were a bit outdated (surprise ) We are actually within limit of WIC going to an appointment tomorrow I so hope we will get approved.

    I will try breastfeeding, last time with my DS it wasnt too sucessful since i did not produce enough milk for DS to thrive. He went down from 9.7 lbs at birth to 7.9 lbs a week later, I breastfed exclusively during that time. Ped said we should supplement with formula so thats what we did, I did pump for 6 weeks but then it slowly diminished.

    Thanks for all the tips!




  6. #6
    cew826
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    Ditto on the cloth diapers. Getting a sufficient amount could cost as little as $60-75 for each stage. It is actually fun, but the cuter the diaper - the more expensive

    Congrats on a new little girl!!

    Just a few ideas

    Shop all of your utilities, insurances, etc. for lower priced companies if possible. You can almost always lower auto insurance. I got a super cheap offer from AIG using netquote site. It came in 1/3 of our renewal offer from our current company for the same coverage.

    Coupons, for everything. Groceries, eating out, online purchases. There is almost always a coupon somewhere. Checkout Couponmom.com. She is the lady on Good Morning America. She has alot of free info that other sites actually sell. I don't really 'clip' coupons, but have used her site and others to come up with a system where I make my grocery list, and can then look on her coupon list to see if there is a coupon. It goes back months, so I just save all the booklets out of the paper, and only clip it if I need it. My grocery total is usually 40-50% off (shows discount at the bottom of my reciept) and CVS totals are usually 60-80% off regular prices.

    Store brand formula - almost half the cost...same nutritional value.

    While eBay is good for some stuff, I think good old garage sales net the best baby clothes at the lowest prices. Especially for newborn sizes, they only wear some outfits once or twice. If you come across a sale that has really good stuff, you could always make the mom an offer to buy it all, or for her to call you when the sale is over and you will purchase what is left. Just figure that would be the absolute cheapest per piece.

    HTH!

  7. #7
    lilbirdieegrl
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    For the wic you need to make under 500 a week, um for baby stuff i was recommended to craigslist.com... its used stuff but most of it can be put in the machine or wiped down! So i would go take a look there!

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    The limit for WIC and 4 ppl (me, DH, Ds and the coming baby) is 712 per week. thats before taxes...

    I looked in second hand stores for baby stuff, and found plenty of cheap stuff that looks great. Mostly she will wear DS old stuff but I do want SOME girlie things on her.




  9. #9
    cew826
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    Thank you so much for posting the income limits - I think we may actually qualify!!! I never thought we would, but I checked our state, and we should.

    Gosh, that would really help with formula!!

    Thank you, Thank you!!

  10. #10
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    Hey no problem Glad i could help!

    You are so right, checks for formula will always help. It doesnt cover them all but most that are consumed. On the other hand i am comparing to my DS who ate a LOT the first months, this is a girl so maybe she will eat less? Who knows, regardless the help you get with the formula is just great! They test if you qualify every 6th month, so i really hope we will be eligible in June aswell. my DH get a raise in July and that puts us over the top for qualifying this year.

    For anyone that is curious about WIC and what limits they have please visit this link:

    http://www.fns.usda.gov/wic/howtoapp...guidelines.htm




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