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Resources & Tools

8 Tips To Financially Prepare For A Child

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Raising a child is one of the most rewarding experiences, but it also comes with a high cost. ACCC offers 8 tips to financially prepare for a child:

  1. Update your budget
    Include all the expenses that come with having children, such as diapers, childcare, food, etc.
  2. Look over health insurance
    Review your health insurance before having a baby to ensure there aren’t any unexpected bills. After having a child, add them to your health insurance.
  3. Emergency fund
    Children are prone to accidents, so if you don’t have an emergency fund, now is the time to start one.
  4. Childcare
    Research affordable nannies or daycare centers. Do this while on parental leave if possible so more work is not missed.
  5. Get life insurance
    You’ll want to make sure your family is taken care of if something happens to you.
  6. Make or update a will
    Add all your beneficiaries to your will if you have one already. If you don’t have one, you will need to make one.
  7. Retirement
    Don’t forget about your own retirement after having a child. Continue to contribute to your retirement plans.
  8. Start saving for college
    College costs are increasing, so the best way to get ahead is to start saving as soon as possible.

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