The Best Time to Get Pregnant If You’re on a Budget
We like to think of pregnancy as this magical time in life when the stars align and we give birth to perfect little human beings who are more beautiful than anything we've ever seen in our lives. And while the most beautiful part may be true, the bigger truth is that pregnancy happens even when our life doesn't seem perfect.
And part of that imperfection includes our family financial situations. It can be hard to balance the line between realizing that life will never be perfect “enough” to have a baby with the reality that it is important to take care of our family's financial health, too.
So how do you balance a baby and a budget?
Time actually recommended some interesting advice for families that need to balance babies with their budgets: have your baby between November and February.
Having a baby between November and February, the magazine reasoned, can actually be a smart financial move. The majority of the financial costs associated with the actual delivery, birth, and initial newborn baby care will all fall within the insurance year. If you have a very high deductible, this will save you having to pay your high deductible twice before meeting your limit.
We had this happen with one of our babies, actually. Our insurance starts over in July, so we had just finished paying our deductible before having a baby when I was immediately hit with sky-high bills to pay again while still recovering from birth. It was not a pleasant push present, let's just say that.
Although, it's been my experience that having kids actually means going to the doctor's about every other day, so honestly, we never really have a problem meeting that deductible anyways. Sigh.
Did you plan your baby around your budget?