NCIS: Los Angeles the characters Kensi and Deeks (Daniela Ruah and Eric Christian Olsen) undergo a lot of life change. Deeks are undergoing training at FLETC to become an NCIS agent, Kensi is dealing with the threat of an unstable prisoner, and they are both preparing for a future home and baby.
Finances are tight for the couple, so home and baby could make things even tighter. How can they prepare? What should you do to prepare if you are in a similar situation?
Showbiz’s fake page was chatting to a finance expert Andrea Woroch. Here is what she had to say.
Showbiz fake page: What should you save when you have a baby?
Andrea Woroch: The first step when planning financially for a child is to understand the benefits that the state and your employer offer. Not all companies are willing to subsidize maternity leave, which means you may need to increase your savings to make up for the income gap during maternity leave. .
You may also realize after you have a baby that six weeks or three months maternity leave is not enough. Building savings can give you wiggle space so you don’t feel in a hurry to get back to work! Talk to your human resources department to find out your benefit options so you can create a savings plan based on this.
You also need to consider delivery and other medical costs for pre- and postnatal care. Talk to your health insurance company to find out what delivery costs, but also ask about the potential high costs of delivering a caesarean and aiming to save for that just in case. Not to mention, if a baby ends up in the NICU, that will cost you more in hospital care as well.
In addition to the expected costs of having a new baby such as diapers, bottles and a crib, you will need extra cushions for the unexpected. For example, you may need to supplement the formula if you have a breast milk problem or may have additional pediatric visits, or visit an emergency room when the baby is ill.
CS: What else should you include in the budget?
AW: You also need to budget for childcare. When it comes to childcare, remember that this is an investment in your professional skills. Many working parents look at the cost of childcare relative to their employability to see if it makes sense to keep working, but this is not a quick way to work out it. go near this position.
You only have to pay for childcare for a few years and giving up work now makes it harder to get back into the staff at a later date. Paying for childcare now ensures that both parents are building their careers and learning new skills so they can continue earning and possibly make more money. Your ability to earn is your greatest asset.
Think of ways to save on needs. Always look for second-hand options when it comes to clothing, toys such as bikes and scooters, and furniture. Facebook Marketplace and OfferUp are great places to find options.
Also, always look for coupons at sites like CouponFollow.com where you can find deals for popular baby stores like BuyBuyBaby. You can also use Cently. Just download it to your browser and the saver tool will automatically detect any available coupons for the site you are purchasing, test each one, and then agree with the maximum discount to your order for immediate savings.
CS: How can you decide whether to buy or save a house for a baby?
AW: Don’t fall into the trap of thinking you need a bigger house or a bigger car for a baby. It is better to get into the new lifestyle without taking on more costs that will add to the stress you are already experiencing. Not to mention, babies are tiny and don’t need a lot of space. Adjust your child’s new budget before taking on new and large expenses.
However, it is possible to buy a home and have a baby. You may need to adjust your home budget and choose a lower or smaller home that leaves enough room for the costs of caring for a new baby. Remember, the larger the home, the higher the monthly bills as well, including heating and cooling costs and even garden maintenance. Don’t lock yourself in a lifestyle you can’t afford!
Sheiresa Ngo continued Twitter.