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Baby Clothes - Daywear, Nightwear And Special
When choosing and buying baby clothes, parents can be faced with many choices that, in the baby's younger days, can seem quite confusing. Striking a balance between practical and cute, fashionable and comfortable, need and impulse, and night and day...
Bathing a Slippery Baby
I have a certain way I like to bathe my babies. I put out a quilt I made and then set the tub, complete with cloth covered baby propping tool on it. Then I set out a baby towel next to that on the right and on the left I have a tub of baby...
Effective Strategies For Dealing With Diaper Rash
Diaper rash is a really annoying baby problem. It can get out of control easily, and can make your baby miserable. Luckily, it can be controlled with a little effort on your part. Following are some remedies that worked well with my...
Mommy & Baby: More Parenting Tidbits
Diapers: as a rule, most PDF babies will need a diaper change that corresponds with their feeding times. This will total 6-8 diapers per day, or more if you manage to change your baby prior to her pooping. Most new parents learn to "time" the diaper...
Why Child Bearing Is Healthy
From a purely biological perspective, bearing children can be considered the most important reason for a woman's existence. For that matter, the same could be said about men, since both sexes are, in effect, disposable packages of genetic material....
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Honey I can’t afford the kids
Sex has a lot to answer for … babies usually … which then with time and much financial investment grow up to be beautiful mutations of their parents. Yet as the family absorbs more money as it grows, the need for financial planning and protection becomes more important. So, where do you start and how do you move your finances forward?
First of all there are “The Considerations”:
* If surplus funds become available, could these be invested? If so, will you choose a medium or long term investment?
* Will you need an emergency fund?
* Will you need to save for short-term events such as Christmas, holidays and birthdays?
* Are you ready to save for a pension? Do you need to include your partner in a pension plan?
* How much financial planning do you want to do your children? For example, is private education an option or priority and do you want to start saving for university fees?
* How much borrowing will you need to do for buying a home and is it worth considering a mortgage payment protection plan?
* Is life insurance or life assurance worth considering as security for your partner and family?
* Do you need income protection insurance?
* Are all of your belongings and possessions adequately covered by household insurance?
Then there are “The Resources”:
* Have you taken advantage of all the family finance government initiatives involved? These include Child Benefit, Child Tax Credits, Child Trust Funds (CTFs) and the Educational Maintenance Allowance (EMA) scheme. Directgov is an excellent resource for information on public services (http://www.direct.gov.uk/Homepage/fs/en )
* Do you have the best possible deal on your finances? This includes your credit card, any secured or unsecured loans, your mortgage, remortgage and insurance. If you’re not sure, it’s not difficult to do some investigative homework. Moneyfacts ( http://www.moneyfacts.co.uk ) and Moneynet ( http://www.moneynet.co.uk ) are two popular sites for consumer research on financial products. If you live in the US, the website
Lowermybills may prove helpful (http://www.lowermybills.com/ ).
And that’s just when the kids are still young. Once they’re well established at school, you may wish to still evaluate the emergency fund, medical insurance and protecting your income against illness. The risks may change as the family develops so don’t think that financial planning is a one-off event. Keep these issues in mind as your funds change.
As you get older you may wish to consider writing your will and inheritance planning, planning for long-term care, protecting your capital, continuing your income should anything happen to your partner and even indulging your grandchildren. There are a variety of publications from companies such as Which? that can help you tackle what may seem like impossibly complicated tasks.
If you’re aware that one of the above issues needs to be tackled, don’t neglect the gut feeling. Ask around for financial advice, but be aware that you need to be the decision maker, so gather as much information as you can and then make an informed decision. If the advice is conflicting, accept that financial success may always be based a little on luck and risk, though nothing excuses thorough research and planning. Read the papers, surf the web and ask around: the information is accessible!
Resources:
http://www.moneynet.co.uk/ (Moneynet)
http://www.moneyfacts.co.uk/ (Moneyfacts)
http://www.switchwithwhich.co.uk/ (Switchwithwhich)
http://www.direct.gov.uk/Homepage/fs/en (Direct Gov)
About the Author
About Rachel:
Rachel writes for the personal finance blog Cashzilla: http://www.cashzilla.co.uk
Cashzilla is a personalfinanosaurus.
“Rachel” means sheep in Hebrew: “little lamb” or “one with purity”.
Cashzilla means financially savvy with great fiery ferocity.
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