It’s almost that time of the year! No, I’m not talking about Christmas–my wife is going to be full term in about 10 days! Seriously–holy smokes…
Seeing how my blogging might be restricted to a backlog very, very soon here, I’ve decided to wrap up my series on pregnancy expenses today with the post on the third and final trimester.
Of the three segments of pregnancy, the last trimester has been the most active, financially speaking. While the first and second trimesters were fairly low-key and limited to specific areas of spending, we’re now ramping up full-steam for birth and post-birth.
Of the things that I’ve mentioned in the two previous posts, here are a few updates:
- Pre-Natal Vitamins. The cost will continue through breastfeeding, although as I wrote about last time–we’ve been able to limit the expense using mail-order prescription services.
- Medical Services. Doctor’s visits, as previously explained, are being billed as a lump sum after birth, subject to the insurance deductible. Thank goodness for maternity coverage (more on that topic and a whole lot more next year). Some things we did have to add recently are pre-payments for anesthesia. Seems like everyone wants their money up-front lately.
- Increased Food Costs. Yes, although my wife is noticeably eating more to keep up with the growing baby, our food costs have not increased to a point where I have noticed the difference. We’re simply making good use of what we normally get.
- Maternity Clothing. Obviously, there’s no hiding the fact that there’s a giant basketball attached to my wife. That requires some interesting clothing adjustments, and the dresses we got for her in the first trimester work wonderfully. Among the other gear we took on is a pregnancy belt, which from what my wife tells me, is an absolute sanity-saver when you’re on your feet for more than 10 minutes.
On top of the expenses that have carried over, we obviously have a lot of new expenses over the last 2-3 months as we gear up for birth. Here are most of them:
- Furniture. Easily the biggest money-suck this trimester, furniture to outfit the nursery can bankrupt you if you’re not careful and/or frugal about it.
- Post-Birth Supplies: The last month of pregnancy is probably the earliest we’ve really started thinking about the day-to-day supplies we’ll need after birth, including diapers and lotions and all that jazz. We’re holding off on getting a whole lot of anything until we know what we need for sure and how the baby responds, but we have purchased a limited supply of the basics.
- Baby Shower Expenses. Although it’s unlikely that you’ll share in any major part of the baby shower expenses (typically, it’s someone else that’s throwing the party), you may get stuck with some incidentals here and there.
- Gear. That’s right–you need at least a car seat to take the baby home. A stroller will also be nice. Perhaps a carrying apparatus of some sort? Baby bath tub? The list goes on…a lot of the stuff is useless junk, but a lot of it will probably make our lives a lot easier. Time will tell…
- Hospital Supplies. When you put together your “hospital bag,” you’ll probably discover that you’re missing a lot of the recommended items from the “list.” Note that none of these are required, of course–but they do make the experience much more tolerable. Examples include robes and nursing bras.
As you can see, the items on the list have gotten more significant as we’ve progressed through the pregnancy. We’ve been expecting and saving for this throughout the other six months, so as not to be surprised.
More to Come
I hope this series has been of some use to you! We’ll continue reporting on our baby experience as we go through it, and I’m sure we’ll have many lessons to share with future parents on how to be most effective with your money.