With the improvement of modern material living standards, people\’s concepts of childcare and consumption are constantly updated. Giving birth to a child is no longer as simple as it used to be, and the cost of having a child is also much higher than before. In order not to let her baby fall behind, expectant mothers must not only supplement nutrition during pregnancy to keep the baby healthy, but also have regular check-ups to ensure the safety of the baby. They must also learn prenatal education knowledge to make the baby smart. All of these require money. Giving birth to a child requires a lot of expenses. Only by planning your pregnancy expenses well can you not panic and wait for the baby to arrive with peace of mind. In short, giving birth to a child is a major event in life, and you must be prepared not only psychologically, but also financially.
1. Items included in pregnancy expenses
Nutrition ExpensesStarting from preparing for pregnancy, both husband and wife must adjust their diet and supplement nutrition. After pregnancy, the expectant mother\’s diet should be richer than before pregnancy. She needs to take maternal milk powder and folic acid, calcium tablets and other nutritional health products to meet the nutritional needs of the expectant mother\’s body and ensure the healthy development of the fetus. These expenses are essential.
Clothing and skin care product expenses After pregnancy, the expectant mother gradually becomes fatter and cannot wear the previous clothes. , you need to purchase special maternity clothes. To prevent radiation, you also need to purchase special radiation protection clothing. At the same time, cosmetics, skin care products, etc. that can be used in the past need to be replaced by those specially designed for pregnant women. These should be included in the pregnancy expenditure plan.
Prenatal education expenses During pregnancy, expectant mothers should prepare some books to guide maternal and childbirth health care and learn relevant Maternity knowledge, qualified families can also participate in prenatal education classes. At the same time, some prenatal education music should also be prepared. Prenatal education music plays an important role in promoting the physical and mental health of expectant mothers and fetuses. In order for the next generation to be smart and healthy, these prenatal education spending plans are also indispensable.
Prenatal check-up and delivery expenses In order to ensure the safety of the fetus and expectant mother, routinePrenatal examination is a must, and possible unexpected situations should also be taken into consideration, such as premature birth, placenta previa, etc., and more budget is needed to prepare for contingencies. Hospitalization and surgical expenses during delivery should also be included in the plan.
Baby expenses In the third trimester, you should prepare a crib, clothing, toys, bathing, and feeding for your baby. Supplies etc. Although this part of the expenditure is relatively fragmented, the overall expenditure is not large and needs to be planned in advance.
2. Financial management for expectant fathers
More and more families are beginning to think about how to provide superior life security for their upcoming babies after their wives become pregnant. Moreover, if the wife becomes pregnant and cannot continue to work, the family will also face increased expenses and reduced income. In this context, it is very important to formulate a family investment plan during pregnancy that is suitable for you and to prepare for a rainy day.
Buy a maternal and child insurance In addition to the maternity insurance in social insurance, you should also cover pregnancy The wife takes out an insurance specifically for mother and child. Pregnancy complications or congenital disease in the baby can be a disaster for the entire family. Buying a maternity and childbirth insurance can reduce the financial burden caused by this risk and provide protection for the family.
Cannot save alone Some couples do not have time to manage finances or are afraid of investment risks. Just deposit it directly into the bank. For families during pregnancy, such a single saving method is not advisable. The cost of raising a baby is very high. It is very inefficient to just rely on monthly balances to prepare living expenses or education funds for the baby. Moreover, only saving without investing will encounter depreciation problems caused by inflation in the future.
Investment requires stability Investments with relatively high risks such as stocks and futures should be used when funds are not sufficient. Under such circumstances, it is best not to get involved during pregnancy and families should choose lower-risk funds as investments.
Pay attention to financial flexibility in long-term investment Pregnant couples need to make long-term plans for their future lives and should also consider Some long-term investments prepare children for their education. For long-term investment, you need to pay attention to financial flexibility. You can consider collecting items with appreciation potential such as antiques, stamps, calligraphy and paintings. In this way, the basic needs of education expenses are ensured, and the limited teaching resources can be usedInvestment in education has risen with the market conditions.
This article is provided by Baidu Reading and is excerpted from \”Complete Pregnancy and Childbirth Plan for Expectant Fathers\” Author: Wang Yanqin