Hyde on finance: how to prepare for the birth of a child

The decision to become a mother is associated with a variety of complex factors relating to the health, emotional stability and physical security, but the lack of sufficient funds greatly increases the scale of the problems. We have compiled a detailed guide for those responsible attitude towards their future and well-being of the child.

Preliminary planning

One way to better prepare for contingencies - have painted detailed budget. To begin, write down all of the most important expenses - housing, utilities, taxes, the car. Take away the demand of desire and thought, what else could you need in the near future. Think about how to give the money to work by investing them in shares or savings accounts with high returns.

Discuss with a partner, which of you will go on maternity leave in the event of your pregnancy. Nursery or private kindergarten may be more expensive than the university teaching, so that it is possible that in your region densely populated someone wiser to suspend his career for a few years, to sit with your child and avoid these costs.

But the lost income of a parent - is not the only problem that you may encounter after leaving the workplace. In addition to wage a parent may lose the ability to get a raise for years of service, as well as reduce their pension savings.

Calculate the amount of savings or pick up the necessary plan for these savings to create, and then proceeds to the calculation of direct costs of pregnancy and childbirth.

Pregnancy

As soon as you know that is really pregnant, you will need to get up to antenatal clinics, which is absolutely free in the presence of the mandatory health insurance policy. Free for you to be tests, ultrasound and any other studies that prescribe gynecologist. The nuance is that you can not be satisfied with the quality of service in your consultations on the residence permit may always be a queue, and the results of each survey have to wait for weeks. You have the opportunity to go to a private clinic: the cost of ultrasound in such a situation will vary from 1000 to 5000 rubles depending on the region of residence. Such surveys for the time of pregnancy may need about 10. If you're planning a pregnancy, it is necessary beforehand to familiarize with quotations on tests and methods in the clinics of the city to calculate the potential costs. You can issue the voluntary insurance policy, allowing you to select several criteria that are important to you. Insurance can cover pregnancy care specific gynecologist inspection specialists, carrying out all necessary investigations, treatment exacerbated chronic diseases, hospital services, and even attend the course moms. The more options - the higher the cost, but in some cases it may still be cheaper than the payment of each service separately. The cost of insurance of pregnancy varies from 5 to 100 thousand rubles, and some companies offer registration in installments

Even if you are perfectly healthy, your doctor probably will prescribe you specific vitamins for the development of the fetus - folic acid, iodine, calcium. Also bear in mind that with the growth of your appetite certainly increase the cost of food.

By the end of the second trimester, you'll need special clothing and bandage. If your date of birth falls on the winter or spring, multiply the estimated cost for two, given the difference in the price of warm clothing. You can also ask for help from her friends have already given birth or trading platforms, to save a little money.

Births

In Russia, deliveries take free - will cause you need a "fast", which will take to the nearest hospital for a rescue team. At 30 weeks pregnant you will receive a special birth certificate - this paper guarantees the hospital installed a sum of money after childbirth. In the interests of each maternity hospital, maternity clinic or perinatal center - to provide the most favorable labor to get a premium for it. The right to receive this document have all the women with Russian citizenship, regardless of obstetric gestational age, as well as age, seniority and the fact employed. If you scare the prospect of giving birth in a foreign hospital, and qualification of staff is in doubt - you can enter into a separate a contract with the maternity hospital. Your delivery will be in a separate box, with anesthesia and personal midwife, as well as help in the first few hours after delivery is completed.

The cost of these contracts varies greatly depending on the region and the clinic level - from 30 to 200 thousand rubles. Terms of compensation for birth certificates are usually negotiated individually. When selecting necessarily get acquainted with other girls who have given birth in the office or under the supervision of a particular specialist.

The first days of a child's life

Remember that you put several social benefits in the first place - maternity leave: it is calculated on the basis of 100% of the average earnings for the two calendar years. After birth, you put childcare allowance, which is paid for 1, 5 years, and also calculated the level of average earnings. After 1, 5, the social benefits will be $ 100 per month.

If you live in Moscow, you can get a so-called "Luzhkov payments" - grants received in 2004. They are provided for young families up to 30 years for the first child you will receive five times the subsistence minimum for a second seven for the third and subsequent - ten. Contents can benefit through the site of public services.

You can get acquainted with the social initiatives of your region - you can provide special preferential conditions or compensation for certain services, which greatly help your budget.

With regard to the cost of a child, a couple of things worth buying even before you go to the hospital: First baby clothes, diapers, diapers, hygiene products and sling for bathing. When buying children's clothing should be attentive to the materials from which made thing, and do not pay attention to the popularity of the brand - a month later, this child will wear small.

At first, your child will not need shoes - only booties and warm socks. In winter, we need a suit in summer - body and bonnet.

Be sure to buy only powder, shampoo, moisturizer and a children's quality towel - it will cost you about a thousand rubles.

Take into account what kind of life are you going to carry on after delivery, before purchasing specific furniture. If you do a lot of attention is paid to their physical form and has a strong back muscles, you can swaddle the baby even on the bed. If you estimate that after the birth will have to recover for a long time - it is necessary to purchase a special changing table. First baby crib will last him two or three years, so that this category is not worth saving, and, of course, do not forget to pre-select a quality hard mattress.

If you're prone to anxiety for your baby - you can buy, and video or radio nanny, a device that allows you not to miss the moment when the baby wakes up, or even to control his breathing. The cost of these varies from 2 to 4 thousand rubles.

Also take into account the costs of power: breastfed costs will be virtually no, but in the mixtures or mixed meals will cost you about 3000 rubles per month. Remember that only increase with time for a child costs - added to this list even more sets of clothing, variety of food, paid vaccination, additional vitamins, educational courses and toys. The more thorough your budget will be worked out - the more likely that you will be able to provide your baby everything you need and do not forget to take care of itself.

How do you plan a future pregnancy?