{"id":1546,"date":"2021-07-26T17:25:03","date_gmt":"2021-07-26T21:25:03","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarea\/?p=1546"},"modified":"2021-07-26T17:25:05","modified_gmt":"2021-07-26T21:25:05","slug":"budgeting-for-new-parents-from-day-care-to-college","status":"publish","type":"post","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/blog\/budgeting-for-new-parents-from-day-care-to-college\/","title":{"rendered":"Budgeting for New Parents: From Day Care to College"},"content":{"rendered":"\n<p>At some point between the pregnancy test and due date, you realize: Life will never be the same. Becoming a parent should bring mostly excitement and joy, but a little bit of panic is normal, particularly when you think about the family budget.<\/p>\n\n\n\n<p>Having a child can upend your household finances. Here is some of what you can expect and how to budget for baby and beyond.<\/p>\n\n\n\n<p><strong>But first, a warning<\/strong>: Becoming a parent will keep your finances in flux for years to come. You\u2019re in for a challenging ride. Stay calm. When it comes to budgeting for parenthood, the keys are equal parts preparedness and flexibility.<\/p>\n\n\n\n<p><strong>\u00bb MORE:<\/strong>&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/blog\/health\/15-financial-must-dos-to-prepare-for-a-new-baby\/\">15 money must-dos to handle before baby arrives<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Budgeting basics still apply<\/h3>\n\n\n\n<p>Your expenses and income will both likely change when you have&nbsp;a child, but your budgeting approach doesn\u2019t have to. You\u2019re still stretching your income to cover&nbsp;your expenses and debts, plus savings.<\/p>\n\n\n\n<p>If you\u2019re new to budgeting, we recommend divvying up your income with the <a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/how-to-build-a-budget\/\">50\/30\/20 approach<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>50% for needs such as household bills, minimum loan payments and expenses&nbsp;such as child care, diapers and formula<\/li><li>30% for <a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/financial-needs-versus-wants\/\">financial wants<\/a><\/li><li>20% for savings and payments on&nbsp;toxic debts, such as payday loans and credit card balances<\/li><\/ul>\n\n\n\n<p>This split is a goal. You could find your needs take up much more than 50% of your income \u2014 not uncommon for many middle-income families, particularly those with a child in day care \u2014 and that\u2019s OK. The point is that you\u2019re tracking your spending and aiming for improvement.<\/p>\n\n\n\n<p>This <a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/nerdwallet-budget-calculator\/\">50\/30\/20 budget calculator<\/a> can give you a better idea of how your current budget breaks down.<\/p>\n\n\n\n<p>Once you\u2019ve established&nbsp;a spending baseline, track your progress from month to month. You can do this using one of the many <a href=\"https:\/\/www.nerdwallet.com\/blog\/investing\/budgeting-saving-tools\/\">budgeting tools<\/a>&nbsp;available online, <a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/the-best-personal-finance-software-of-2017\/\">personal finance software<\/a>, or a pen and pad of paper.<\/p>\n\n\n\n<p><strong>\u00bb MORE:<\/strong>&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/blog\/investing\/budgeting-saving-tools\/\">Best budgeting and savings tools<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Financial priorities: retirement vs. college savings<\/h3>\n\n\n\n<p>New parents are often in a rush to save for their child\u2019s education, and that\u2019s commendable. But this shouldn\u2019t come at the cost of your current and future financial security. After all, you can borrow money for college, but not for retirement.<\/p>\n\n\n\n<p>Once you have a small amount of&nbsp;emergency cash to cover unexpected expenses \u2014 say $500 \u2014 your financial priorities should be as follows:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Retirement savings<\/strong>: Make sure you\u2019re <a href=\"https:\/\/www.nerdwallet.com\/investing\/retirement-calculator\">saving enough for retirement<\/a>.&nbsp;You should ideally set aside 15% of your income, but save at least enough to qualify for&nbsp;the maximum employer match on your 401(k), if your workplace offers one.<\/li><li><strong>Toxic debt payments<\/strong>: <a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/pay-off-debt\/\">Pay off debt<\/a> that is hurting you. Balances on payday loans, credit cards and title loans, for example, cost you daily and prevent you from focusing on other financial priorities.<\/li><li><strong>Contributions to an emergency fund<\/strong>: <a href=\"https:\/\/www.nerdwallet.com\/blog\/banking\/life-build-emergency-fund\/\">Build your emergency fund<\/a> from that $500 seed, aiming for enough to replace several months of income.<\/li><\/ol>\n\n\n\n<p>Once you\u2019re making progress on these items, you can think about <a href=\"https:\/\/www.nerdwallet.com\/blog\/investing\/the-best-future-for-your-child-college-savings-strategies\/\">college savings strategies<\/a>.<\/p>\n\n\n\n<p>That being said, if your relatives are itching to help fund junior\u2019s university years and you can afford to put aside an extra $15-$25 per month, set up a <a href=\"https:\/\/www.nerdwallet.com\/blog\/investing\/529-plan-rules\/\">529 plan.<\/a> You can deposit the minimum required for now,&nbsp;and generous family members can also contribute.<\/p>\n\n\n\n<p><strong>\u00bb MORE:<\/strong>&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/investing\/saving-for-college-529-plans\">Find the best 529 plan for your family<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Practice living on less<\/h3>\n\n\n\n<p>Your income will probably&nbsp;change after having a child, even if temporarily. One parent might&nbsp;take some unpaid <a href=\"https:\/\/www.nerdwallet.com\/blog\/health\/maternity-and-paternity-leave-a-guide-for-expectant-parents\/\">maternity or paternity leave<\/a>, or one might&nbsp;leave work entirely.<\/p>\n\n\n\n<p>Practice living on this lower income in the months leading up to your due date. Sheri Conklin, a CFP and founder of&nbsp;Conklin Financial Planning in Florida, New York, suggests setting aside the income of the soon-to-be stay-at-home parent to get accustomed to a smaller budget and to save for&nbsp;child care and other upcoming expenses.<\/p>\n\n\n\n<p><strong>\u00bb MORE:<\/strong>&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/blog\/investing\/budgeting-saving-tools\/\">The nuts and bolts of building a budget<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Anticipate ongoing changes to expenses<\/h3>\n\n\n\n<p>Household expenses will change when your baby is born, and&nbsp;they\u2019ll continue to change throughout childhood. A recent NerdWallet study found in the first year alone, the <a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/cost-of-raising-baby\/\">cost of raising a baby<\/a> can run upward of $21,000, and the <a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/cost-of-raising-a-child\/\">cost of raising a child<\/a> to adulthood dwarfs that.<\/p>\n\n\n\n<p>\u201cYou have a lot of expenses associated with becoming a parent, but many of them won\u2019t last forever,\u201d says Conklin. Formula, diapers and day care are just a few that will fall off your budget as your child grows, and costs&nbsp;like dance lessons and auto insurance will eventually take their place.<\/p>\n\n\n\n<p>In the meantime:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Estimate&nbsp;the amount&nbsp;you\u2019ll spend in the first year using this <a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/baby-calculator\/\">cost of baby calculator<\/a>. Fine-tune this amount by getting quotes from local child care centers&nbsp;if you plan to put your baby in day care.<\/li><li>Research ways to&nbsp;reduce that cost:<ul><li>Compare the cost of adding a child to all working parents\u2019 <a href=\"https:\/\/www.nerdwallet.com\/blog\/health-insurance\/\">health insurance<\/a> plans<\/li><li>Buy secondhand<\/li><li>Request must-haves at your baby shower(s)<\/li><li>Shop around for child care<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Anticipate how long these costs will last. Many <a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/baby-checklist\/\">costs to first-time parents<\/a>&nbsp;are one-time&nbsp;expenses, including the crib and the strollers. Others continue for just a few years, such as child care until your kid goes to school.<\/li><li>Review upcoming expenses monthly when you sit down to pay your bills. You don\u2019t want to be unprepared, so find space in your budget as best you can in advance.<\/li><\/ul>\n\n\n\n<p><strong>\u00bb MORE:<\/strong>&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/blog\/how-to-save-money\/\">How to save money<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When there just isn\u2019t enough<\/h3>\n\n\n\n<p>Sometimes there just isn\u2019t enough money. Cutting expenses and increasing household income are the two basic strategies&nbsp;for balancing your new budget, but this can be easier said than done. If you haven\u2019t already, look closely at these options:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/how-to-make-money-at-home-and-online\/\">Find part time work<\/a><\/li><li><a href=\"https:\/\/www.nerdwallet.com\/blog\/loans\/student-loans\/expert-advice-8-tips-negotiating-salary\/\">Ask for a raise<\/a> or find a better-paying job<\/li><li>Downgrade your home<\/li><li>Downgrade or sell a car<\/li><li><a href=\"https:\/\/www.nerdwallet.com\/mortgages\/refinance-calculator\">Refinance your mortgage<\/a> and\/or&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/blog\/refinancing-student-loans\/\">student loans<\/a><\/li><li>Consolidate and comparison shop for your <a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/find-homeowners-insurance\/\">homeowners<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/insurance\/compare-car-insurance-rates?rsstrk=nw_gn_4.0\">auto insurance<\/a><\/li><li>Eliminate unnecessary monthly&nbsp;subscriptions, such as streaming services or unused gym memberships<\/li><\/ul>\n\n\n\n<p>Like some of the increases in household expenses associated with parenting, these sacrifices can be temporary, too.<\/p>\n\n\n\n<p><em>Elizabeth Renter is a staff writer at NerdWallet, a personal finance website. Email: <a href=\"mailto:elizabeth@nerdwallet.com\">elizabeth@nerdwallet.com<\/a>. Twitter: <a href=\"https:\/\/twitter.com\/elizabethrenter\">@ElizabethRenter<\/a>.<\/em><\/p>\n\n\n\n<p>The article <a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/budgeting-new-parents\/\">Budgeting for New Parents: From Day Care to College<\/a> originally appeared on <a href=\"https:\/\/www.nerdwallet.com\/\">NerdWallet<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"At some point between the pregnancy test and due date, you realize: Life will never be the same. Becoming a parent should bring mostly excitement and joy, but a little bit of panic is normal, particularly when you think about the family budget. Having a child can upend your household finances. Here is some of [&hellip;]","protected":false},"author":5,"featured_media":1547,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","attr_excerpt":["At some point between the pregnancy test and due date, you realize: Life will never be the same. Becoming a parent should bring mostly excitement and joy, but a little bit of panic is normal, particularly when you think about the family budget.\r\n\r\nHaving a child can upend your household finances. Here is some of what you can expect and how to budget for baby and beyond."],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Budgeting for New Parents: From Day Care to College - SkyPoint Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Budgeting for New Parents: From Day Care to College - SkyPoint Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"At some point between the pregnancy test and due date, you realize: Life will never be the same. 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