Things to Consider When Expecting a Child

Having a baby can provide a big shake up to your normal routine and requires making adjustments to accommodate the new member of the family. Most people are great about taking care of the most pressing baby related to-do’s, things like putting together the nursery, picking out a stroller and installing a carseat. However, there are a number of other, less obvious, to-do’s when having a new baby.

1) Legal documents. Your new baby is a new person and needs many of the same documents that you already have and probably take for granted. While in the hospital, you’ll probably fill out a form to get a birth certificate and that certificate will be sent to you once you’re home. But you’ll also need to look into getting a social security card for your new family member and, if you’re a frequent traveler, a passport. Obtaining of these legal documents require other documentation to verify birth date, address, etc. so be sure to hang on to all of the documents that are given to you within the first few days of your new child’s life!

2) Insurance. While admittedly not a fun thing to discuss during the excitement of having a new baby, it’s important to discuss insurance coverage and what would happen in the case that you or your partner unexpectedly pass away. Even if you have life insurance already, it’s crucial to re-evaluate your coverage since the insurance payout will now need to cover the expenses of not only your partner, but your new child as well. Ensuring that things like daycare or even college can be paid for through insurance is a wise way to think for your family’s future, even if you aren’t there for it. Additionally, you’ll want to take a look at your health insurance plan and ensure that your new baby is covered as soon as possible!

3) Budget. To put it frankly, babies are expensive. Even if you have great insurance coverage that minimizes the cost of the delivery itself, the cost of diapers, food, clothes, and toys quickly add up and the new expense can force a jarring change to spending habits if not anticipated well. Before the baby arrives, or soon after, take a look at your month spending and how much you anticipate spending on your new baby. It will help you identify where you can continue spending as you have in the past, or where you need to cut back, and minimize the financial stress that comes along with a new addition to the family.

Having a baby is a super exciting time! But it can also be very overwhelming, particularly if there are unexpected to-do’s that pop up along the way. Childbirth classes are a great way to learn about what to expect during the actual delivery and conversations with other parents can help you anticipate what life will look like after bringing the baby home and, hopefully, this short article has provided a couple other small things to think about as well.