Cara Mengatur Keuangan sebelum melahirkan Sejak janin 2 bulan

Cara Mengatur Keuangan sebelum melahirkan Sejak janin 2 bulan

Melahirkan bayi ke dunia adalah pengalaman yang menggembirakan dan sering luar biasa bagi orang tua. Memilih nama, memilih warna kamar anak-anak dan menjadwalkan foto-foto bayi yang baru lahir adalah beberapa kegiatan yang orang tua baru nantikan.

Mempersiapkan keuangan? Mungkin tidak terlalu banyak. Tetapi meskipun itu tidak semenarik itu, itu akan membantu Anda menikmati saat-saat indah – tanpa rasa takut bahwa Anda akan tenggelam lebih dalam ke dalam hutang.

Untuk bersiap-siap, Anda harus membuat rencana aksi keuangan sejak janin 2 bulan , terutama berfokus pada bagaimana Anda akan menutupi pengeluaran yang terjadi selama tahun pertama.

Ingat: Merencanakan mengurangi stres sehingga Anda dapat menghabiskan waktu berkualitas dengan bayi baru lahir Anda yang berharga.

Rata-rata, orang tua akan menghabiskan banyak uang selama tahun pertama kehidupan bayi mereka. Dan jumlah itu tidak termasuk   yang bervariasi tergantung pada jenis kelahiran yang Anda miliki, komplikasi yang mungkin timbul dan rencana asuransi Anda.

Biaya tahunan untuk memiliki bayi meningkat lagi selama tahun kedua ketika Anda mulai memperbarui dan merawat bayi di rumah Anda. Dan – aku benci mengatakan ini padamu – biayanya terus naik. Bahkan, pada 2015, membesarkan anak sejak lahir hingga usia 17 diperkirakan 50 juta – tidak termasuk perguruan tinggi.

Jadi, bagaimana Anda mempersiapkan keuangan untuk anak?

4 Langkah untuk Mengambil

  1. Ketahui Produk Yang Perlu Anda Beli – dan Yang Tidak
  2. Lakukan Riset Anda Sebelum Berbelanja
  3. Perbarui Anggaran Anda
  4. Diskusikan Tanggung Jawab dengan Mitra Anda

KETAHUI PRODUK YANG PERLU ANDA BELI – DAN YANG TIDAK

Anda butuhkan biaya lagi untuk melengkapi kamar anak, mobil, dan rumah Anda. Beberapa item ini termasuk:

  • Boks bayi
  • Seperai
  • Meja ganti
  • Kursi goyang
  • Kereta bayi
  • Kursi mobil
  • Boks portabel
  • Monitor bayi
  • Pakaian
  • Popok dan lap
  • Makanan bayi, botol, dan binkies
  • Kursi tinggi

Seringkali, orang ingin mengadakan baby shower atau memberikan hadiah kepada orang tua yang menunggu. Tidak apa-apa untuk meminta apa yang Anda butuhkan jika seseorang ingin memberikan hadiah. Pertimbangkan untuk meminta teman atau anggota keluarga membeli barang mahal untuk membantu meringankan beban keuangan Anda.

Juga, berbicaralah dengan orang tua lain untuk melihat item mana yang “harus dimiliki” dan yang dapat Anda beli nanti – atau cukup lakukan saja.

LAKUKAN RISET ANDA SEBELUM BERBELANJA

Meskipun menyenangkan untuk berbelanja dan mengisi keranjang Anda dengan ponsel lucu dan kereta bayi mewah ini bias anda lakukan ketika janin usia 2 bulan, penting bagi anggaran Anda bahwa Anda meluangkan waktu untuk meneliti dan    menghitung harga barang bayi.

Lihatlah berbagai      panduan finansial tersedia online untuk membandingkan harga dan fitur keamanan.

Juga, pertimbangkan untuk membeli beberapa barang bekas. Situs seperti tokopedia dan bukalapak menyediakan pasar untuk barang-barang bayi yang digunakan dengan lembut. Di Facebook, ada kelompok yang menghubungkan ibu-ibu lokal di mana Anda sering dapat menemukan pakaian dan mainan gratis karena anak-anak terlalu besar dalam hal barang. Jika Anda meluangkan waktu untuk merencanakan, Anda dapat menghemat banyak uang.

PERBARUI ANGGARAN ANDA

Ketika Anda mengetahui Anda hamil, sebaiknya segera perbarui anggaran Anda dan mulai merencanakan pengeluaran besar yang akan datang. Temukan tempat yang dapat Anda kurangi pengeluaran dan tingkatkan penghematan. Pertimbangkan  untuk membuat tujuan yang dapat dicapai dan tepat waktu.

Tidak dapat dihindari bahwa pengeluaran Anda akan meningkat ketika Anda memiliki bayi, tetapi jika Anda mempersiapkan sebelumnya, Anda tidak akan terjebak dan menjadi terbalik pada pengeluaran Anda.

DISKUSIKAN TANGGUNG JAWAB DENGAN MITRA ANDA

Pengasuhan anak dan tanggung jawab kerja adalah dua masalah utama yang harus didiskusikan orang tua sebelum bayi lahir.

“Biaya terbesar yang kami temui adalah perawatan anak,” kata seorang ayah dari dua anak yang berbasis di California. “Saya benar-benar memulai rekening tabungan bayi segera setelah kami mengetahui bahwa istri saya hamil.” Dia membayar lebih dari $ 3.300 sebulan untuk perawatan anak – “lebih dari apa yang kami bayar untuk hipotek kami,” katanya.

Selain itu, Anda harus mendiskusikan:

  • Berapa lama cuti yang akan kita ambil setelah bayi lahir?Berapa banyak cuti yang dibayar dan tidak dibayar yang ditawarkan majikan kita?
  • Apakah salah satu dari kita akan menjadi orang tua yang tinggal di rumah?Bagaimana kontribusi orang tua yang bekerja untuk pengasuhan anak?
  • Apakah kita memiliki teman atau kerabat lokal yang dapat membantu kita membiayai biaya penitipan anak kita – dengan memberikan perawatan gratis, berbagi pengasuh anak atau mendirikan koperasi pengasuhan anak?
  • Apakah kita akan membeli asuransi jiwa sebagai perlindungan?

“Ada begitu banyak biaya tak terduga ketika Anda memiliki anak. Itu gila, ”kata Scott Johnson, ayah dua anak lelaki di California yang bekerja di bidang asuransi. “Tapi salah satu hal paling penting yang saya ingatkan kepada klien adalah mengatur asuransi jiwa seumur Anda secepat mungkin.” Apa pun rencana cadangan Anda, pastikan untuk membicarakannya terlebih dahulu dengan pasangan Anda.

Perubahan adalah satu-satunya yang konstan dalam kehidupan. Tidak peduli seberapa siap Anda merasa, Anda mungkin akan terkejut di beberapa titik dalam perjalanan baru ini.Namun, jika Anda meluangkan untuk mengatur finansial anda , Anda akan kurang stres dan lebih nyaman ketika bayi tiba. Di atas adalah beberapa saran atau tips mengatur keuangan sejak janin usia 2 bulan sebelum melahirkan.

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