How to Budget for a Baby


Preparing to welcome a newborn baby into this world is certainly exciting, but at the same time, it takes financial preparation and a great deal of dedication in order to get it right. As intended parents, you may have already budgeted for the surrogacy process, but now it’s time to budget for a baby.

Consider these tips to prepare you for the future with your little bundle of joy.

Don’t Get Carried Away

If this is your first child, you will want to be especially careful about buying everything under the moon and sun for your newborn. There are plenty of gadgets available for infants today. Many of these will get you excited as a parent-to-be, but all of those purchases can add up rather quickly. You need to sit down with your partner and determine your household’s financial situation. Set up a budget for what you’re comfortable spending on these baby items and then strictly adhere to it, especially regarding extras such as toys and mounds of baby clothes that your newborn will outgrow in a matter of weeks.

Factor in Daycare

If you are planning to return to work, even part-time, you will need to factor daycare into your family budget. Depending on where you live, this expense can run as high as $1,200 a month. Decide if this works for your budget. If it doesn’t, you might want to consider a situation where one of you stays home with the child and potentially works from home. Many people today are making that situation work, so it may be a feasible option for you.

Remember the Essential Supplies

Keep in mind that there are certain items that your newborn cannot be without. This includes such items as diapers, formula, and specially formulated baby food. Make sure that you allocate a portion of your budget to cover these items for at least the first three years of your baby’s life.

These tips are designed to help you better budget for a baby. Enjoy the process and savor the journey of parenthood.

All of our intended parents are provided with a direct number to their coordinator that they can call day or night with any questions, concerns, or are just in need of someone to lean on.

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