If possible, before you start trying to conceive, consider working extra hours or doing side work to raise extra money. Having a family is expensive – often more expensive than people realize. Increasing your income now will help offset future costs. Children are expensive. You will need to buy equipment (crib, stroller, car seat, high chair, and the like), clothes, diapers, and feeding supplies. Ideally, you should research the costs of these things in your area before you start trying to conceive. If you plan to return to work, you will need to find quality child care. Depending on your area, you may also need to pay for your child's education once he or she reaches school age. These are major expenses that must be considered before you start a family. If you do plan to use a child care provider, make sure you find one that is fully licensed. Doing so will help ensure that you can deduct some of the expense from your taxable income. Even if you plan to return to work after the birth of your baby, chances are that during and after your pregnancy, you'll miss work for various reasons. Additionally, depending on your job, you may not be paid for any maternity leave you take. When you are planning to have kids, you should start saving as much money as you can. Doing so will help offset future costs. It will also make you feel more comfortable and secure in your decision to start a family. If your job allows it, working from home may help you solve some of the most common problems with work-life balance while keeping all or part of your income. Note, however, that even if you work from home, you will probably need to pay for some child care. Otherwise, you will struggle to accomplish anything when home with your child. Depending on your job and your area, you may benefit from disability insurance, which could, in some situations, make sure that you continue to earn an income during your pregnancy. Do some research, and factor that into your plans. You may be able to purchase some items used, and you may be able to get some items free from friends and family members with older children. Look into these options before you start purchasing everything brand new.  Consider checking Craigslist, garage sales, and second-hand stores as well. Children outgrow this equipment so quickly that it's best to be frugal. Car seats should always be purchased new. It's the only way to be sure that the seat has not been in an accident (which makes it unsafe for us). With other items, just use caution and make sure they conform to safety standards. You may have to do some research to be positive.
حاولي تزويد دخلك. فكري في تكاليف إنجاب أي طفل. فكري في تكاليف حضانة الأطفال والتعليم أيضاً. خططي لانخفاض دخلك. ادخري بقدر المستطاع. ابحثي في إمكانية العمل من المنزل. افحصي تأمين دخل العجز. حاولي التوفير عند شراء عدة الطفل.