We're pregnant! Ack! $$$ (long) - Page 2
Page 2 of 2 FirstFirst 12
Results 16 to 29 of 29
  1. #16
    Registered User FrugalMomof3's Avatar
    Join Date
    Jan 2006
    Location
    Northern NJ - PBurg
    Age
    48
    Posts
    9,379
    Post Thanks / WTG / Hug
    Rep Power
    28

    Default

    Congrats and your right God has a plan for you. I am sure things will turn out ok and I agree that babies aren't that expensive even for those on a tight budget. If you need baby stuff, have a baby shower and search craigslist and freecycle/cheapcycle for things people no longer need.

  2. #17
    Registered User Nantahala's Avatar
    Join Date
    Jul 2006
    Location
    PNW USA
    Posts
    599
    Post Thanks / WTG / Hug
    Rep Power
    15

    Default

    Congratulations, I believe God has a plan, just do what you can and enjoy this special time.

  3. #18
    Registered User Buckeye5's Avatar
    Join Date
    Mar 2006
    Location
    Ohio
    Posts
    1,829
    Post Thanks / WTG / Hug
    Rep Power
    18

    Default

    Congratulations!! SInce you know that $$ is already tight, I would start to really look and think about how to cut back further. Don't wait until the baby is born, begin now. Do you qualify for WIC, or anything like that?? Maybe babysit for people on the weekends (evenings) for when they want get out. Valentine's Day is coming up, that would be a good time, and save your cash from it. You will be okay, somehow we always manage.

  4. Remove Advertisements
    FrugalVillage.com
    Advertisements
     

  5. #19
    Registered User lisettelovebug's Avatar
    Join Date
    Feb 2007
    Location
    upstate NY
    Age
    44
    Posts
    820
    Post Thanks / WTG / Hug
    Blog Entries
    2
    Rep Power
    15

    Default

    Congratulations!!!

    Im not sure anymore how much a doc costs, but the last two times I had a midwife - they were wonderful!! And they cost $3800 for everything except bloodwork and ultrasounds. All my appointments including after the baby was born was included in this amount. So there was no copays, only had to pay my 20% for ultrasounds and bloodwork. A lot of times you can make payments on this stuff too. I know for the last ultrasound I owed like $200 (because I was on a new policy and therefore had to start my 250 deductible again).. But I made weekly payments (through my bank online) of like $10 a week. This is also what I do for the hospital bills from thebirth - paying on those right now and will pay off with income tax refund. So maybe see about going through a midwife.

    What you can also do is find out if you qualify for Medicaid. I know NY State for a family of 5 is like $4000+ a month for pregnant women and babies under 1. You can use this coverage as a secondary coverage and they will cover what your insurance doesn't.

    See if you qualify for WIC. We are a family of 5 and we qualify and my dh makes decent money. Here is the link to the phone numbers: http://www.fns.usda.gov/wic/Contacts...reenumbers.htm
    You can make up to $859 a week and still qualify. (this is over $20 an hour w/out any overtime) http://www.fns.usda.gov/wic/howtoapp...lines07-08.htm
    Just getting the milk is worth it... we go threw quite a bit a month. WIC will give you food while you're pregnant, food for any child under 5, and then formula or extra food for you while breasfeeding, and then baby cereal once baby is eating that.

    Also what you can do is start buying a pack of diapers when you get a little money. I used to buy a pack a week. though be careful not to buy too much of 1 size. ds2 just outgrew size 1 and we have 3-4 open diaper packs and 3 unopoened that we will give away. Sign up online for everything you can think of: if you're formula feeding: enfamil, similac, etc, go to huggies.com, pampers and luvs websites and sign up, you will get coupons in mail, along with free samples.

    I would also sit down and really look at your expenses and see what can be reduced. Do you have cable that can be downgraded? We had a bundle from the cable comp that cost $132 a month. We have cell phones ($75/month), so we got rid of the digital phone and cut cable down to 13 channels (they did charge us $20 to come out and downgrade but well worth the savings). We now pay $55 for 13 channels and cable internet. Pay stuff off when you get income tax return. If you get one of those rebate checks, you can use this to reduce your monthly expenses too. Though usually I would suggest paying highest interest first, in your case you may want to get rid of the smaller debt first that way you're reducing your monthly bills. I would also suggest taking $500 of that money and putting it in an EF fund. (online savings range from 3.75-4.75% right now - IGo, ING,etc)

    Did you apply for HEAP? I believe they have the same guidelines as medicaid. In NY state you can make up to $4186 a month and still qualify. You can check with your local DSS.

    And don't be afraid or embarrassed to sign up for programs. These programs are there to help people out. And if you are really low on food, maybe you can go to a food bank? is there one in your area? On the news last nite, they were saying that they've seen 80 new families this year so far, so it's definitely not just you who are having a problem putting food on the table.

    And if you can afford $2 a week, buy a Sunday paper with coupons (don't buy on holiday weekends - there are no coupons so it's a waste), and sign up on here for a coupon train. There should be one starting here again next week for February. You'll get tons of coupons for products you use. Then if you combine these with store sales you will do well. You can especially save money if you combine your coupons with Rite Aid, CVS, and Walgreen specials.

    As far as vitamins, if your insurance doesn't cover, you can ask your doc if he has any samples. You can also buy prenatal vitamins for less than $10. Walmart here used to carry them(check yours they may have them) or you can look at your local pharmacy.
    Congrats again. I'm sure everything will work out fine.

  6. #20
    Registered User many houseapes's Avatar
    Join Date
    Jan 2005
    Location
    texas
    Age
    55
    Posts
    1,518
    Post Thanks / WTG / Hug
    Rep Power
    23

    Default

    Wow, $3800 for a midwife?Much better than a hospital & you actually recieve better care. My midwife charges $900. There are some that charge $1500-$2000 here. If you decide on homebirth, you might want to call around & compare rates & talk to friends that might know some midwives & how much experience they have.Hugs to you

  7. #21
    Registered User baxjul's Avatar
    Join Date
    Nov 2004
    Location
    W. Central Florida
    Posts
    10,774
    Post Thanks / WTG / Hug
    Rep Power
    33

    Default

    No advice, just congrats!!!!!

  8. #22
    Registered User Mom23boys's Avatar
    Join Date
    May 2002
    Location
    Texas
    Age
    51
    Posts
    19,004
    Post Thanks / WTG / Hug
    Rep Power
    43

    Default

    Congratulations!

  9. #23
    Registered User joyofsix's Avatar
    Join Date
    Aug 2005
    Location
    IN
    Age
    57
    Posts
    2,018
    Post Thanks / WTG / Hug
    Rep Power
    27

    Default

    Quote Originally Posted by many houseapes View Post
    I will second that babies are not as expensive as others think they are... . As far as extra food during your pregnancy...honey, you don't need to eat double portions - but you do need to make sure that the quality of your food is as nutritious as possible - and lots of water. You'll be okay- put your trust in God & don't worry about the details- he already has everything worked out
    I second all that. It only takes about 300 calories extra when pregnant. That's like a glass of milk and a couple tb of peanut butter. Easy peasy. Try WIC to help stretch that food dollar. I think of all the babies born through time and what their mother's ate. You and babe will be fine. God Bless and congrats

  10. #24
    Registered User PB&J's Avatar
    Join Date
    Jan 2007
    Location
    DFW, TX
    Age
    44
    Posts
    460
    Post Thanks / WTG / Hug
    Rep Power
    14

    Default

    Quote Originally Posted by bRATmom View Post
    congrats hon.... babies are really not as expensive as the stores want us to think they are. They dont need all that stuff, they need a diaper on thier butt, food in thier tiny tummies and the love from thier family. Your gonna be just fine. send out the word, you will get more hand me downs then you can shake a stick at.
    I totally agree!

    Congratulations!

  11. #25
    Registered User sdrjeolsen's Avatar
    Join Date
    Dec 2005
    Location
    CO
    Posts
    2,263
    Post Thanks / WTG / Hug
    Rep Power
    18

    Default

    Congrats!! You'll do just fine. I agree, babies don't have to cost a lot.

  12. #26
    Registered User kittykatstrong's Avatar
    Join Date
    Mar 2007
    Location
    Midwest
    Age
    41
    Posts
    3,345
    Post Thanks / WTG / Hug
    Blog Entries
    4
    Rep Power
    19

    Default

    Congratulations!!

  13. #27
    Registered User
    Join Date
    Aug 2007
    Location
    CA
    Age
    49
    Posts
    155
    Post Thanks / WTG / Hug
    Rep Power
    14

    Default

    Thanks so much everybody for all the advice and congrats. You guys are all awesome!

    We don't qualify for any of the government programs, but I know there are local food bank programs we qualify for. And our family and friends tend to pull together pretty well when a financial problem hits somebody.

    I actually barely eat at all, so I just need to ramp it up to healthy, not "eating for two". For dinner I usually eat the equivalent of a quarter of a chicken breast and a little bit of salad. So I just need to eat most of the chicken breast, and have a more rounded diet throughout the day rather than having a piece of apple here and a handful of chips there.

    I'm definitely going to jump on the coupon train. I had gotten enough money squeezed out of our budget for the last couple months that I could just stick under a certain dollar amount and we'd be fine. But now it's time to get serious. Today I got out all of the sales ads and only bought things on sale. We don't buy a whole lot of premade products (we've got food allergies - gluten) but there are some that we do use when they're on sale, so I can get some variety in our diets by using sales+coupons.

    I'm definitely feeling more upbeat about our finances. We found out today that not only are they doing the financial series at church, but they're doing a Total Money Makeover Live event there too. I'm totally into it. I just need DH to be too. He's the type that needs to have these things be his idea. If I try to push it on him he'll resist. If I just let him come up with it on his own, he'll jump in with both feet and drag all of our friends with him.

    Thanks again everyone so much for being so supportive and giving me such great advice. I really appreciate all of it.



    Nancy

  14. #28
    Registered User Dutchie's Avatar
    Join Date
    Sep 2006
    Location
    Rotterdam, the Netherlands
    Age
    62
    Posts
    995
    Post Thanks / WTG / Hug
    Rep Power
    19

    Default

    Firstly - many congratuations!!!!
    I cannot add anything - all such good advice.
    Please try to enjoy this time - it is so precious and goes by so quickly.

  15. #29
    Registered User qtkitty's Avatar
    Join Date
    Dec 2007
    Posts
    583
    Post Thanks / WTG / Hug
    Rep Power
    13

    Default

    Get in touch with your electric company they can give you a list of places to get energy assistance you could check with them to see if you could get help on your energy bills.

    Spelt is another grain that can be used for people with gluten issues. If you can find spelt flour Oh Yummy yummy its more nutty then regular flour.

    You could also cloth diaper instead of using sposies, which will save you a few $1,000 probubly. A GREAT collection of diapers can be gotten for $100.. 200 MAX unless you buy pockets or all in ones.

Page 2 of 2 FirstFirst 12

Similar Threads

  1. Retirement / Downpayment savings - What now? (long, long long)
    By Denvergirlie in forum Debt Reduction & Money Management
    Replies: 19
    Last Post: 10-05-2008, 09:01 PM
  2. Who else is pregnant?
    By Jasmine in forum Pregnancy
    Replies: 5
    Last Post: 07-22-2005, 05:14 PM
  3. Working while pregnant....how long did you stay
    By KKCondrey in forum Careers
    Replies: 22
    Last Post: 10-03-2004, 08:40 PM
  4. how many of us are pregnant? :)
    By mommy2three in forum Family
    Replies: 5
    Last Post: 08-26-2002, 04:31 PM

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •