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Baby Budget Woes of a New Dad

This following post was written by my friend, Joshua Crum, father of three. He’s also the Lead Credit Repair Expert (to my knowledge, he’s still a team of one, lol) of http://www.RebuildRepairCredit.com/.  In short, he helps people get rid of zombie debt, figure out how to manage their current finances, and get them on the right path.  I met Josh at FinCon16 and he’s been a real friend for these last couple of months – this is an in-real-life guy actually doing this stuff…not just one of those spam companies we all delete immediately.  🙂 First, becoming a new parent is stressful enough.  One of the biggest issues is budgeting as a new dad or parent. There is so much new stuff to consider. It’s overwhelming at first!  So, I strive to make things easier and more predictable. Here is where I simplify the chaos as much as possible. Food Costs First comes food, one major expense that adds up very fast. Most new parents do not count on an increasing food budget. If you are lucky, at first mom can breastfeed. Not only is this great for baby but for your family’s budget as well. It literally saves gobs … Read more…

“Budgeting in the Baby Stuff” – Third Official Update

The road to having a baby is more than just pregnancy, there are a lot of details to plan for!

WARNING: I’m a sharer who will be talking about trying to get pregnant, and hopefully in the future, about pregnancy itself. If you didn’t know, all of that stuff includes subjects that some people may find too personal or think it’s “too much information” (TMI). If you are that sort of person, my blog is probably not for you but specifically, these posts aren’t for you. Thanks! Nope, still not pregnant. I’m 33 years old (turning 34 in a month), and I was using the Nuvaring for birth control for more than a decade. I stopped in November 2015.  My body returned to normal, baby-making processes in early 2016. I still have no idea when or if I will get pregnant.  I’m not too worried about it, though now that my best friend is pregnant, I am taking it more seriously.  I’m hoping it happens for us soon so our kids can grow up together.  But we’ll have a good life either way. Our Process So Far We’ve been trying the “classic” way.  And because of a couple of commenters during my first update, I started paying attention to my cervical mucus (which should have been called ‘gina juice, hehehe).  That didn’t … Read more…

“Budgeting in the Baby Stuff” – Second Official Update

WARNING: I’m an over-sharer who will be talking about trying to get pregnant once in a while here on BFS, and hopefully in the future, about pregnancy itself and a baby and a kid and so on. If you didn’t know, all of that stuff includes subjects that some people may find too personal or think it’s “too much information” (TMI). If you are that sort of person, my blog is probably not for you but specifically, these posts aren’t for you. Move on or be offended – totally up to you.  Thanks! I’ve been getting more emails and a few comments asking for baby-making updates.  I think it’s pretty cool any of you would really be interested. That said, here’s the second official “Budgeting in the Baby Stuff” update! Nope, still not pregnant. I’m 33 years old. I was using the Nuvaring for birth control for more than a decade. I stopped in November 2015. It seems to be completely out of my system now – girl stuff is happening with gusto (*sarcastic yay*).  I am happy that my system seems 100% back to normal again. I still have no idea when or if I will get pregnant. I’m still not worried … Read more…

“Budgeting in the Baby Stuff” – First Official Update

WARNING: I’m an over-sharer who will be talking about trying to get pregnant once in a while here on BFS, and hopefully in the future, about pregnancy itself and a baby and a kid and so on. If you didn’t know, all of that stuff includes subjects that some people may find too personal or think it’s “too much information” (TMI). If you are that sort of person, my blog is probably not for you but specifically, these posts aren’t for you. Move on or be offended – totally up to you. Don’t post about your bad choice of reading and being offended or I will just delete it and call you an idiot to my husband and friends. Thanks! I’ve been getting emails and a few comments asking for updates about us trying to have a baby. I think it’s pretty cool any of you would really be interested and I love being the center of attention. That said, here’s the first official “Budgeting in the Baby Stuff” update! Nope, not pregnant yet. I’m 33 years old. I was using the Nuvaring for birth control for more than a decade. I stopped in November 2015. It seems to be … Read more…

Pregnant? Maybe You Can Get a Free Car Seat Too…

WOW, this will save me a TON of money for my infant! Car seats are expensive and I had no idea I could get a brand new, good quality one for less than $40. This is a huge budget saving hack for parents that everyone needs to new ASAP. It could save you $200, it helped me save that much.

The following is another post from my younger sister, Teresa Ward.  She already wrote about how she got a free breast pump.  Now she found out how to get a free car seat! I promise not to bombard Crystal’s loyal readers with baby/toddler bargains, but just like the free breast pumps, I had to share my latest insurance steal that could save parents $$$! That Necessary Car Seat… One of the more expensive baby products that ALL babies and toddlers need is a car and/or booster seat.  They vary widely in costs from $60 on sale/online for a basic model like the one below to $400 for a new model or one purchased at a speciality store. You might think the difference in price buys more safety for the little one, which I would argue is money well spent, but the truth is ALL car seats sold in the US must meet Federal Safety Standards and pass multiple crash performance standards.  Yes, a few of the high end seats do have extra bracing or maybe shock absorbing material they claim to be effective.  But judging from the specifications I researched, it appears more money mostly buys you the newest fabric trend … Read more…

Pregnant? Maybe You Can Get a Free Breast Pump Too…

This would be a HUGE savings for my family, we are expecting right now and the cost of raising a baby is so high. Having a free breast pump would tick off one of the most expensive infant items, without having to get one as a gift from friends or family. I'm going to follow these steps and look at my insurance right away. What a great frugal life hack for our budget.

The following is from my younger sister and occasional guest poster, Teresa Ward.  She thought she could share after she was happily surprised! As Crystal announced, my husband and I are expecting our first child this year!  While we couldn’t be more excited, I am daunted at the LONG list of items we need to purchase before our son’s birth.  One of the biggest ticket items – although not a strict necessity for all mothers – was a breast pump as I plan to breastfeed for several months and would like my husband to be involved. Research Works After realizing on Amazon that breast pumps vary widely in price all the way up to $300, I heavily researched them before making a purchase. Happily, I discovered my medical insurance covered mine 100%!!!  Yes – I actually ended up ordering TWO FREE breast pumps that my insurance will cover (totaling $400 retail, a little less than $300 discounted or online).  The best part – delivery to my front door before my son is even born! The Steps I Followed I wanted to share the process to make sure any parent who qualifies for the same benefit didn’t pay out of pocket … Read more…

I’ve Been Matched with Big Brothers Big Sisters!!!

It’s been a long process, but I finally have been matched with a “Little” with Big Brothers Big Sisters (BBBS)!  You may have read about the beginning of this whole thing a couple of months ago.  Yep, it took about 10 weeks, but it is totally worth it! Getting to This Point I filled out the first volunteer application in mid-July, sent in all of the requested paperwork, asked 5 of my friends/co-workers (blogging buddies) to fill out reference forms, and took a quick online class and quiz all within a few weeks.  Next, I was interviewed by a match specialist and was officially approved.  Then sat around waiting to be accepted and matched.  That all took about 2 months. Once they called me with a prospect about a month later, I accepted, his parents accepted, and then we met in person a couple of weeks later at the BBBS office for a few minutes.  I had my first real outing with him last week and again yesterday.  🙂 My Match Experience So Far So, I obviously can’t give out too many details so nobody’s privacy is messed with, but I can write about general stuff.  I’ve been matched with a young man (about 4th grade) who is as … Read more…