Having your first child is something that is indescribable, and it can really cement a relationship. But it also means that you have an extra mouth to feed and insure a future for. This is why it’s important to have a grip over your finances if you don’t already.
Managing your finances is something that is not taught in school, and adding a new member to your family could put additional strain on you, especially if you have one less breadwinner in the house for the early months. But, by applying some sound principles, you should be able to alleviate the burden. Here are a few pieces of financial advice all new and expecting parents should follow.
Ditch the Debt
This should go without saying, but you should try to do everything in your power to eliminate any kind of outstanding debt you have before the baby arrives. Get a copy of your credit report, check all the entries, and see if they’re accurate. If you see anything that you may have missed or things that you can get rid of right away, plan to erase them.
If you’re in a precarious situation and think you might need some financial help, we suggest that you give alternative financing options a look, but also know what they entail. Last recourse solutions like payday loans could help you if you’re going through a rough patch but have to be used responsibly. If you’re going to get a payday loan, find a reputable Payday Loans direct lender with flexible terms, and be aware of the fees for the loan and extensions. Also make sure you don’t borrow more than you need.
Work on an Emergency Fund
Most people are familiar with the principle of an emergency fund, but too many still don’t have one. Having an emergency fund is especially crucial if there’s going to be less money coming in during maternity months, so make sure you work on it as soon as possible.
As a rule, it is recommended that you have at least 3 months of living expenses saved up, though some advise up to 6. If you’re having trouble saving, call your bank, and set up an automatic savings account. Then, choose a reasonable amount that could be taken out of your paycheque, and trim the fat in your expenses. It might mean cooking more at home, finding home entertainment options, or finding a way to get supplemental income, but it’s worth it.
Think Twice About Upsizing
People often think about buying a home around the time they have their first baby. But, while the idea of getting more space might seem attractive, is it really necessary?
A lot of people think that a house is an automatic asset, but is not and can turn into a liability very quickly. If you’re going to buy a house, make sure that the monthly payments do not exceed 30 percent of your income. This percentage should be even lower if you have a lot of outstanding debt.
Welcoming a new child should be a time of celebration. Don’t let financial mistakes put additional stress on your new family, and follow these few tips if you want it to thrive.
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