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February 27, 2014 by Marissa 4 Comments Having a baby, and starting a family can be an exciting time in your life. Having a baby requires some initial investment in the form of prams, cots, furniture, clothes, car seats, and so on. Being in debt whilst trying to start a new family can only add to the pressure and strain you’ll no doubt feel in those first couple of years. FSA Group you can combine all of your debt repayments into the one, saving you money and helping you keep track of your debt repayments at the same time. Before deciding to have a baby, ask yourself if you can afford to pay for monthly childcare.
Check with your health insurance company and find out how much it would cost to add another dependent to your existing health insurance policy.
Not only will having friends with babies help you with invaluable advice and information, but they can also help you financially by giving you (or letting you borrow) baby equipment, gear and clothes.


However, bringing a little one into this world can be challenging, both emotionally and especially financially.
That’s why it’s important that you have some substantial savings in your account to pay for these baby must haves. Sure, you’ll want to spend as much time as possible with your little one in those first couple of years. Sometimes, the cost of adding another person to your policy can be more than you can afford.
This will end up saving you lots of money in the long run as you won’t have to spend money getting this stuff yourself. That’s why it’s important that you really think about whether you can afford one before deciding once and for all. There’s no getting around it: having a baby is expensive, and if you’re considering whether you’re ready for a commitment of this sort, it may be worth while taking some time out to figure out if you’re financially ready to have a baby.


However, there will come a time when you need to get back to work, and if you don’t have a willing grandmother or aunty to look after your child, you’ll have to pay for child care.
Sure, you’ll probably never really be “ready” to have a baby – financially speaking, at least. Here are 5 questions to ask yourself before deciding to have a baby that’ll hopefully help you make the right decision.
If you have multiple credit cards against your name, speak to the experts at Fox Symes about debt consolidation. So do yourself a favour and really have a think about whether you’re ready to have a child.



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