CircleBumpCheckedFilledMedicalBookmarkBookmarkTickBookmarkAddCheckBoxCheckBoxFilled

Pregnancy on a Budget: Tips for Saving Money

Babies are expensive, but there are a few tricks to making pregnancy more budget-friendly.
ByNest Lori|Updated January 10, 2018
save article
Hero Image

The flood of emotions that come over you when you see a line on that stick usually come in this order: Wow. Is this for real? It can’t be… but it is! I’m so happy, but I’m so scared. What do I do now? OMG, how in the world can we afford a baby?

Yes, having a child will definitely require some recalculating of the family budget, but being pregnant doesn’t have to cost a fortune. Luckily, there are a ton of simple ways to save as you anxiously await the arrival of your little one:

Borrow, borrow, borrow
Once you announce your pregnancy to friends and co-workers, you’ll likely be flooded with offers of gently used maternity clothing—the more you can borrow, the less you’ll have to buy. Nest Judy gave me a bunch of things. Since the amount of time you’ll wear your maternity clothing is so short, it’s not worth a lot of investment. If you do decide to splurge on some trendy belly-hugging styles, look for sales and free shipping deals online.

Skip the newsstand
By announcing your pregnancy to your doctor, your insurance company will know, and eventually, somehow, the marketers will know, too. Your mailbox will soon be flooded with free issues of all kinds of pregnancy magazines (no subscription necessary!). Many OB office waiting rooms also have stacks of free magazines you can take with you. I didn’t purchase even one pregnancy magazine with my own money, yet we always seemed to have stacks of them all over the apartment.

Join product clubs
Start stocking up on diapers and supplies and you’ll see that many brands offer clubs you can join for discounts and free merchandise. I had an unhealthy obsession with the Pampers “Gifts to Grow” program. By visiting the web site and entering a 15-digit code found on the inside of the product packages, we collected points and redeemed them for free toys and books in their rewards catalog. If you choose to formula feed, join the club on the web site of the brand you’ll use. Formula checks, that you can use like a coupon, will arrive in the mail every few weeks or so. Big savings!

Related Video

Start clipping those coupons
You know you’re going to need a ton of diapers, so why wait? Use this down time before baby arrives to scour newspapers—and your free magazines!—for coupons. Clip them and save them in a neatly labeled, organized folder (this will be key in the first few weeks when you’re searching for them on your way out the door, on little to no sleep!). Manufacturer’s coupons often have an expiration date of a year or more out, so it definitely pays to start collecting early. And if the idea of clipping coupons pains you, check out some online discounts on our deals and offers page.

save article
ADVERTISEMENT

Next on Your Reading List

mother and baby sitting on window in new york city apartment looking out the window
NYC Program Gives Up to $1000 a Month to Pregnant Women and New Moms
By Nehal Aggarwal
Concept image of money formed into flowering plants.
One in Six Families Spend Over $5,000 in Childbirth Fees, Study Says
By Nehal Aggarwal
pregnant woman and man looking at computer
How to Secure Your Family’s Future (Even in Uncertain Times)
By Beth Braverman
ADVERTISEMENT
Q&A: Financial Prep Checklist Before Baby?
Q&A: Financial Prep Checklist Before Baby?
By The Bump Editors
hands holding miniature house
Updating Your Estate Plan Now That You're Pregnant
By Hasti Daneshvar
Is It Okay to Create a Will Online?
Is It Okay to Create a Will Online?
By The Bump Editors
new parents looking at their newborn in its crib
The Genius Advice a Financial Guru Gave Her Pregnant Niece
By Suze Orman
ADVERTISEMENT
What Every Parent Needs to Know About Writing a Will
What Every Parent Needs to Know About Writing a Will
By Kelley Rowland
couple looking at bills on laptop together
How to Make Sense of Your Hospital Bills After Birth
By Emily Gillen, PhD
piggy bank illustration saving money
Saving Up for Baby
By Riann Smith
ADVERTISEMENT
baby dressed in pretty bonnet, with gold bow and cute socks
Women Reveal Their Biggest Financial Mistake as First-Time Moms
By Stephanie Grassullo
grandfather playing with his toddler age grandkids in the backyard
Here’s Where You Should Live if You Want to Have a Baby and Not Go Broke
By Stephanie Grassullo
illustration of parents putting money into a large piggy bank
Most Parents Don't Save Enough Money for Baby's First Year, Study Reveals
By Stephanie Grassullo
ADVERTISEMENT
parents reading night time story to baby
10 Best and Worst States to Have a Baby
By Stephanie Grassullo
happy baby with arms up and confetti falling
Every Baby in This State Will Now Get $100 Just for Being Born or Adopted
By Stephanie Grassullo
pregnant woman smiling and looking at her phone
What You Need to Know About Your Health Insurance Plan When You’re Pregnant
By Celia Shatzman
couple at home looking over finances
3 Reasons You Need to Talk About Finances BEFORE Baby Arrives
By Daddy Nickell
ADVERTISEMENT
Is It Important to Create a Will?
Is It Important to Create a Will?
By Hasti Daneshvar
The New Parent Financial Checklist
The New Parent Financial Checklist
By Jaime Buerger
woman with credit card looking at life insurance on computer
Q&A: Do I Need Life Insurance?
By Brett Graff
ADVERTISEMENT
Article removed.
Article removed.
Name added. View Your List