21 weeks of pregnancy – the financial journey

I reached the midpoint of my pregnancy. We found out that we are having a baby boy and all my check ups had been normal. So far, we haven’t bought anything, but it already cost us $980.09. Even though we know the cost associated to having a child, I still cringe when it hits my credit card. We are fortunate enough to not go in debt and have insurance to cover for medical bills. I have enough balance on my Health Savings Account (HSA) to pay for my deductible but I choose to leave it invested. This expense is just now part of my monthly expense.

Things that I paid for

Majority of what I paid for are related to medical bills and pregnancy classes that we will take in June. I also bought a couple of maternity jeans. So far, I’m still wearing all my normal clothes and I received some shirt from my mom and my sister that are stretchy. I’m halfway there so I doubt that I’ll need to buy more maternity clothes.

Furniture shopping shocker

Given that I have never shopped for baby furniture, it was definitely a shocker when I started looking for baby items. Crib alone can go further than 1K. We visited ikea and although there are cheaper option, the furniture doesn’t look as sturdy as it should be. We also visited Pottery Barn. Everything there looks so adorable that I just want something exactly like that in the nursery. My husband reminded me that we don’t need anything cute, because our baby will make the room cute.. awww… He was also trying to make sure that I don’t purchase anything. We did decide that we will try to purchase a solid wood crib that will last and that hopefully can be passed on. I’m trying to look at the used market.

What we got for free

I already received a couple of anywhere chair from pottery barn and a rocker from our local buy nothing group. The chair will need to be personalized. It’s my chance to start embroidering the new name for our baby.  I can’t believe that I got this for free. It retails $89 in pottery barn for the smallest one. I also received 24 fuzzi bunz cloth diaper for free. It doesn’t have an insert, and we will need to change the elastics, but if we’re successful with using a cloth diaper, this can saved us quite a bit. We’ve already been told by coworkers and friends that we will receive some clothing too.

Furry baby is checking out the rocker

Fighting back by being patient

I have to remind myself to be patient from time to time. It’s hard because I just want to finish the nursery, and just purchase everything. For some reason, the baby companies knows that we’re expecting since every advertisement on my feed are baby furnitures. It is easy to purchase everything new, but I’d rather spend that money for my baby’s experience later on in life. As my husband keeps reminding me, the baby will not know the color or the design. As long as what we purchase is safe and comfortable and that we’re there for him, he will be fine.  

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