How To Raise a Baby on a Budget

So, you’ve decided to have a baby. Congratulations!

Raising a baby is a wonderful experience, but it can also be expensive. Going through all those diapers alone costs a fortune in the first couple of years!

But don’t worry, because there are plenty of effective ways to cut expenses here and there.


Caring for your little one doesn’t have to cost you an arm and a leg, and raising a baby on a budget will let you spoil your baby when you really want, without breaking the bank!

Second Hand Shops Are Your Best Friend

It’s only natural to want to get the best of everything for your baby, but little ones outgrow things so quickly that the money is often better spent elsewhere.

A general rule of thumb is to keep it simple, especially in your baby’s first year.

You don’t have to buy the most expensive clothes for your child, especially since babies sometimes need multiple changes of clothes during the day (think diaper accidents and dribbling)!

That being said, if you’re looking for brand-name baby clothes, check out your local second hand shop for nice baby gear at a great price.

The smaller a baby’s size, the better condition the clothes will usually be, since babies outgrow clothes so quickly in the first year.

And it’s not just clothes that second hand shops will have either! You can also find great toys, books and gear like carriers and diaper bags.

Even if you don’t see what you need in the front of the shop, you can always ask. If you go into your local charity shop regularly and get to know the staff, they may be happy to make a note of your number and call you if anything comes in that might interest you.


Save As Much As You Can Before Baby Arrives

It’s a lot easier to save when you only have to think about yourself and your partner. You might find yourself stressing a lot more about money when the baby is on his way, and that isn’t going to be good for the baby or your own health.

Instead, you want to create a stress-free environment where you know that you don’t have to worry about your financial situation once you’re pregnant.

Consider setting up an auto-deposit into a savings account so that a portion of every paycheck is put aside.

To help you plan your budget better, try a baby budget calculator so that you can see firsthand how much you might need to spend in the first year.

Then, look at your current income and expenses to see how much you’ll need to set aside. Having a nest egg ready for after your baby arrives can help a lot when caring for a baby on a budget.

Include Your Family

One of the things that family is great for is helping you out when times get tough. It might be a good idea to stay close to your family if you’re able to, rather than living somewhere farther away.

If you are lucky enough to have family near you, then they’ll likely be willing to help out when the baby arrives. If you need to take extra shifts at work, your family might be more than happy to look after your little one.

Sometimes just getting that couple extra hours of work in (without having to worry about paying a sitter) can really help you and your baby on a budget.

And if your family members have children of their own, they may also be a great source of hand-me-down clothes, toys, and baby gear!

Save any items you’re given to share with the next one to have a baby. The whole family will end up saving!


Consider Cloth Diapers

Cloth diapers can seem intimidating if you’ve never used them before. But most modern cloth diapers are easy to use, easy to clean, and can save you a lot of money in the long run!

It is important to remember that there is an initial investment involved, since a single new cloth diaper can cost $20 or more.

So, to minimize the upfront cost, look for gently-used second hand diapers, or consider purchasing a larger bundle of budget cloth diapers instead.

If you do decide that disposable diapers are the right choice for your family, buy a cheaper brand for daytime, since those diapers get changed more often, and save the higher-quality brand for night when you need more absorbency.


Having a baby will be one of the greatest moments of your life. But it does come with a lot of responsibility.

Make sure that if you do feel stressed or need help, that you reach out and ask, whether you’re trying your hand at making your own baby food, or decorating a nursery on a budget.

With loved ones giving you the support you need, you may just find that taking care of your baby on a budget is easier than you ever expected!

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