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Adriana Copaceanu of Baby’s First Year Companion , invites you to reprint this article in your print publication, ezine, or on your website. This is a Free-Reprint article. The only requirements for publishing this article are:

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    Baby Expense: What To Do When Baby's On The Way And Money Is Tight…
    Copyright 2004, Adriana Copaceanu

    As you probably know, baby expense should be high on your list of 
    things to plan for, before the baby comes. There is no cheap way 
    to have and raise a baby: it takes sweat, work, lots of cash, 
    patience, and more to have a happy, healthy baby. Some studies 
    suggest that you will spend anywhere between $150,000 and 
    $200,000 for your kids by the time they are 18 years old, not 
    including private schools, special lessons, or college. 
    
    But if you waited until you had enough money, time and energy to 
    have your baby, you would probably end up without any children. 
    Here you'll find a few ways to ease the finances, so that you 
    can enjoy your new bundle of joy. 
    
    
    1. Get health assistance - if you don't have health insurance, 
       and can't afford it, doctor's bills can ad up really easy. 
       But there are options out there for people just like you. 
       This baby expense will probably be one of your biggest, so 
       don't be afraid to ask for assistance if your family needs it. 
    
    2. Breastfeed your baby, if possible. It's free, it's convenient, 
       and it might help against breast cancer. It's recommended as 
       being the best form of nutrition for baby. 
    
       If you can't breastfeed, don't feel guilty. Try to apply for 
       WIC (Women , Infants, and Children): 
       http://www.fns.usda.gov/wic , a program designed to help 
       middle and low income families with educational resources 
       and food. You can also save money by buying formula in bulk, 
       clipping coupons, and accepting free samples whenever they 
       are offered. This is a baby expense you can't do without. 
    
    3. Diapers - Some diapers are better than others, but most are 
       basically the same. Store brand disposable diapers can be 
       just as good as the name brand, for several dollars less 
       than their name brand counterparts. You can save even more, 
       if you use cloth diapers instead of disposable. As with 
       breastfeeding, it's a little more work involved, but well 
       worth it. 
    
    4. Diaper Rash Prevention - instead of taking action after your 
       baby got a diaper rash, prevent it with a drop of olive oil 
       applied to their bottom every time you change their diaper: 
       it works wonders (you should check with your doctor first). 
    
    5. Baby food - When it comes to baby food, a blender is your 
       best friend: it will help you keep this baby expense at its 
       lowest. Not only is it much cheaper, but it's so much 
       healthier! Save the little baby food jars for quick trips, 
       or special occasions, and give your baby pureed food made by 
       you. You can cook a week's supply on the weekend, put the 
       blended vegetables in the ice cube tray, for a few hours, 
       and then place them in a freezer bag. Depending on your 
       baby's appetite and age, you can microwave one, two or 
       three cubes before meal time. It's quick, healthy and 
       inexpensive. 
    
    6. Clothing - There is no need to buy expensive designer 
       clothing for you little one. Do you think anyone will really 
       notice that your baby is wearing Tommy Hilfiger? Babies look 
       cute in anything: don't waste your money! You can get most of 
       your baby clothing at yard sales or second-hand stores. 
    
    7. Toys - they are big business, but you don't have to feel 
       pressured to get the latest and most expensive models. My kids
       were happy with everyday items as their toys: empty shampoo 
       bottles (make sure they are cleaned and rinsed very well 
       before handing them to your baby), plastic bowls, plastic 
       containers from food products (margarine, sour cream , etc.) 
       that they could stack up, etc. Also, buy some toys that will 
       help with your baby's development, are durable, and are age 
       appropriate: a baby expense worth the money. 
    
    8. Wills - Get a will or update your old will. Name a guardian 
       for your child and the trustee of your child's inheritance 
       (often but not always the same person). Without a will, the 
       court will name these individuals and also split up your 
       assets in accordance with state law which may not be the 
       way you would wish. Please don't try to avoid this baby 
       expense: your kid's future might depend on it. A simple 
       will that includes a trust for minor children costs between 
       $150 and $250. 
    
    
    Here are links to some great baby resources: 
    
    - generic brand wholesale diapers 
      ( http://www.diapers-4-less.com/private-label-diapers.htm ) 
    
    - baby formula: free samples and coupons 
      ( http://www.freestuff-for-babies.com/babyformula.html ) 
    

    Adriana Copaceanu is a work at home mom of 2, and the publisher of Baby's First Year Companion http://www.babys-first-year.com , an online resource for new parents.




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