Starting a family is expensive, especially if it means a temporary reduced income while one parent is at home for a while. Two of the largest ongoing expenses when raising a family are childcare and education. Additional monthly costs like baby food, formula, diapers, baby clothes and doctor visits can also add up very quickly (especially if there's the excitement...
Starting a family is expensive, especially if it means a temporary reduced income while one parent is at home for a while.Additional monthly costs like baby food, formula, diapers, baby clothes and doctor visits can also add up very quickly , so expect major dents in your usual budget plan.1. Pace yourself and budget for big-ticket items
But there are some must-have items that you'll need to invest more in, such as a baby crib or bassinet and a car seat if you have a car. You know that Singapore's cost of living is already very high, and education costs will continue to keep rising too, so keeping enough money aside for tertiary education is important to budget in.If you did not have life insurance before, now is the time to get coverage.If you already had a life insurance policy, now is the time to increase the benefit amount to cover your newborn.
As a parent, you will always put your child's needs over your own. But saving money and growing it on the side for your future is also very important and must be budgeted from the onset of starting a family.
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