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We just found out that we're pregnant a few days ago. We're very excited about it. We always wanted a third baby, but we kept talking ourselves out of it. We decided to try at the spur of a romantic moment one night and Ta-Da! My DH considers himself a stud now. :D

The next day after we had our romantic moment, it hit me right between the eyes that we can't afford to have a baby. As much as I want a baby, it's just a bad time financially.

Obviously, since it was just one time trying, it was meant to be and I know that God will take care of all of us. But it doesn't keep me from being stressed out about it.

So the only thing that is keeping us from being completely over the top about it is our financial situation hasn't improved much. We're squeaking by as it is.

I'm not even thinking about diapers and all the other stuff we need or the hospital bills, I'm still just worried about how I'm going to be able to squeeze copays, prenatal vitamins and extra food out of our budget. When the food budget is tight (which is 99% of the time), I'm the one who takes half portions - I don't get hungry much anyway - so the rest of the family can have enough. But now, I need the extra food to make sure the baby and I stay healthy.

It's a good thing I'm a sentimental packrat because I've got a few of every size clothes in both genders to get me started. I've got friends who can give us baby clothes and some family that can give us some of the baby gear. We still have our stroller and high chair actually.

I'm not worried about that kind of stuff. It's the day to day stuff we've been struggling with this whole time.

One good thing is that they're doing a Dave Ramsey-based financial series at church starting tomorrow. I've been trying to do Dave Ramsey, but not really doing it because there's no money to do it, but keeping my head in that mindset.

I'm praying that DH will see the light these next few weeks and we can go into it full-bore. We have some things we can sell, but my DH has worked so hard for them and they're long since paid off. I'm hoping he will really see the logic and long-term payoff of selling everything that's not nailed down just so we can get out from under some of this mess.

I was getting ready to get rid of all of the things that the kids had grown out of, but now with a new little one on the way, that's not going to work so well.

Nancy
 

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Congratulations to you and your family! It sounds like you have a plan to help with some of the financial aspects of having a baby. It's great that you have saved some clothes and you know that you can borrow from friends and family for other bigger items or have a baby shower to stock up on some items. Have you considered WIC as a way to add essentials: like milk, cheese, peanut butter, and cereals. I think selling things is a good idea if there's money to be made from them. Good Luck :).
 

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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.
 

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:tedpink: Congratulations!!:tedblue: It will all work out, don't worry! Hopefully you can breastfeed, that will save a small fortune. If you have a baby shower and people ask what you need, ask for diapers! Great idea on doing the Dave Ramsey series ~ I'm sure you'll pick up some ways to eek more money out of the budget. Keep us posted on how things are going!
 

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Now is the time to eat good and right. Can you cut grocery expense by making more homemade foods or sales/coupons.

It was so hard for me to eat right when I was pregnant and then again when I was breastfeeding. I hope you find a way.
 

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Congratulations on the new addition!

I had a midwife and a homebirth with my second daughter, largely for financial reasons. (although I live in Canada, at the time I did not have healthcare coverage.) It was thousands of dollars less expensive, and a beautiful experience. If I were to ever have another baby I would definitely choose a homebirth over a hospital birth.

This advice, of course, is based on the assumption that you did not have complications with your other deliveries and are in good health.

Again, congratulations on the new addition!
 

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I will second that babies are not as expensive as others think they are....and homebirth is wonderful and less expensive. I had my youngest 3 at home & kicked myself for not doing so with the older kiddos.
I know that here in Tx, even if you have insurance, Medicaid will pick up for anything not covered by your ins...like copays,meds. You might want to try looking into it if you're planning a hospital birth. If you nurse your baby, you don't have to worry about formula. You can use tshirts & make more absorbent diapers than the cloth diapers you buy at the store. 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:)
 

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Congratulations. I know things will work out financially for you in the end. This baby will be a blessing and not a burden on you.
 

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Congratulations on the baby!! Just eat right, take care of yourself, and enjoy your pregnancy. I'll bet if you put the word out that you want/need baby things there are bound to be people who would love to give their stuff away. All my friends with kids ended up giving their baby stuff to the next in line that was pregnant and so on.
 

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That is awesome news! We are trying as well. And you are right - the minute you end up pregnant is when you think of all the reasons you can't afford another baby, etc... You are right about the bills, copays, vitamins, etc.... Cut coupons for the vitamins - I mean there are vitamin coupons in nearly every insert on Sundays. WAGS and Rite Aide have good deals on them. Breastfeed for the first year = no formula cost! Eat well - but you are really not eating for two, just add some healthy calories and buy frozen fruit and veg - cheaper and last longer. Join the next coupon train and cut your grocery bill even more. If a homebirth is not doable, then get seen at the health dept if possible for prenatal visits. It is still early days yet - so don't start stressing to much. Follow DR and you will find a way :dollar:
Best Wishes - Dianne
 

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Look on freecycle and Craigslist for baby gear that you don't have. People are always getting rid of stuff. If you don't have a crib already, they don't need one if you co-sleep. You can cloth diaper and save yourself a fortune.

I second (or third or whatever it is up to) breastfeeding if you can. I know I saved a fortune BFing my three (two of which are twins).

You don't need to buy babyfood. We totally could not afford the twins when we had them. We only bought a few things of baby food for "emergencies". They hated it anyway.

We bought a hand blender (Amazon.com: Braun MR430HC Multiquick Deluxe Hand Blender & Chopper: Kitchen & Dining) and it paid for itself within two weeks. We would buy frozen veggies and puree them and feed them that. I would cook dinner without salt (we would salt to taste at the table instead) and we would feed them that. When they were tiny, we would puree it. But as they got older, we just put some on their trays. I would make gravies and sauces (with little bits of meat in it) and put that over noodles and a few (thawed) frozen veggies on the side. They would finger food it until they learned how to use a fork (they used a fork first).

We only bought a few boxes of baby cereal (they didn't like it either). We would use it to mix with homemade applesauce or whatever that was too runny. We also used to use it when they first started feeding themselves with a spoon to thicken things slightly to make it easier for it to stick to the spoon. It made it easier for the stuff on the spoon to actually make it to their mouth instead of landing on their lap (less clean up for me and less waste). You can also just feed them regular oatmeal or cream of wheat or whatever for meals.
 

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congrad on you new little one......sign up for wic. It will help........
Fern
 

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Congrats!!! Everything will work out in the end, it somehow always does. Just be patient.
 

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Everything will work out. I know we had times at first thinking oh no what will we do, but it all works for the good. We have 4 now!
 

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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.
 

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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.
 

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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/tollfreenumbers.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/howtoapply/incomeguidelines07-08.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.
 
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