How We Adjusted Our Budget for a... BABY?!

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It's true! A baby is swiftly on the way, and not without a few... massive tweaks to the budget. Follow along as Hannah candidly recalls all the ways she and her husband have slowly adjusted their budget since learning the life-changing news of welcoming their first child!
Sign up for a free trial! - www.youneedabudget.com/
Learn how Ernie budgeted to adopt his three sons:
www.ynab.com/how-to-financial...
See every penny Laura spent from conception through her baby's first four months:
www.ynab.com/how-much-does-it...
Where to start when budgeting for a new baby:
www.ynab.com/budgeting-for-a-...
Three different ways to create a baby budget in YNAB:
www.ynab.com/make-baby-budget...
Timestamps
0:00 Intro
0:59 When Google failed us...
1:27 ... we turned to the budget.
1:43 Step #1: Create a category group for all things baby
2:08 Step #2: Add categories as they come up
2:40 Step #3: Increase current categories that will naturally increase
3:07 Step #4: Collect baby money in one catch-all category (for now)
3:40 Step #5: Plan a baby budget overhaul date
4:31 Step #6: Trim down current plan and reallocate to new priorities
5:18 Step #7: Cry - change is hard
5:58 Step #8: Usher all extra inflows toward baby
6:38 Step #9: Make it easy for others to help us (registry)
7:07 Step #10: Create more specific baby categories
8:58 Step #11: Give big-ticket items their own category/target
9:51 Step #12: Acknowledge any new basic needs
10:30 Step #13: Create categories for your own unique values
11:11 Step #14: Add post-birth categories
12:02 Other expenses you may want to consider...
13:08 For those pursuing IVF...
13:24 For those pursuing adoption...
13:39 Other helpful resources on budgeting for baby
13:59 Outro
14:51 Bloopers
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www.youneedabudget.com/weekly...
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Listen to The You Need a Budget PODCAST here: www.youneedabudget.com/podcasts/
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#budgeting #youneedabudget #ynab

Опубликовано:

31 июл 2024

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Комментарии : 337

@YNABofficial Год назад

What’s your proudest accomplishment with YNAB? We want to hear from you. Maybe you paid off some serious debt, quit your job to travel abroad, or saved for Super Bowl tickets in your Wish Farm, whatever it may be, we want to showcase your inspiring money stories to demonstrate the life changing power of YNAB. If you are comfortable sharing your YNAB story publicly, fill out this brief survey before June 30 and we'll be in touch to hear more! youneedabudget.typeform.com/ynaber-stories

@erinmcaleer1189 Год назад

Congratulations! My budget advice: Add an "Easy Button" category. You can call "uncle" and press the easy budget button when you need to. Maybe it's dinner delivery, a one-time deep clean of your house, a car detail after a 💩 explosion, or lawncare for a season. Whatever it may be, give yourself the grace to press the Easy Button. 😉

@YNABofficial Год назад

Love that category name!! Almost like a "baby season emergency fund," but for much smaller emergencies 😛 Great tip!! 🌻 Hannah

@LeahBandB Год назад

CONGRATULATIONS HANNAH!!!

@janineadams Год назад

Congratulations, Hannah! I'm so happy for you! You might want to budget for a dog trainer to help you help Julep adjust. A trainer might be able to help you before the baby comes to help you make the transition easier for Julep.

@YNABofficial Год назад

Oooooh... that's something I never even thought of. One of the first signs we had that we were pregnant (before we even took a positive pregnancy test) WAS Julep, actually! She got a lot more protective pretty much instantly and insisted on constantly "sitting guard" in front of me if I were ever in bed or on the couch. I think she'll likely be pretty protective of the baby as well, and just hoping Baby Bingus can learn to sleep through the barks 😬🙃 🌻 Hannah

@janineadams Год назад

That’s amazing! I think some ideas from a trainer could be handy just in case, but I bet everything will go really well. Julep is a good girl.

@marlaedington6471 Год назад

My daughter just had a baby 6 weeks ago, and she has an almost 2 year old Goldendoodle. My granddaughter spent the first 3 weeks in the NICU, so during that time, they would bring home clothes or blankets that the baby had worn so he could smell them. They also called their u born baby the dog’s “baby sis” and talked about her often, and pointed out her baby bed, toys,etc. Then they said “baby sis” when showing him the baby clothes with her scent. When she came home of course they again called her “baby sis”, so he could make the connection. As hyper as he is, he was so good around her from the beginning. He was a little protective, but nothing that has caused any problems. She sleeps though his barks, because she has gotten used to it (and of course heard it in womb). Best of luck to you! Congratulations!

@VioletEmerald Год назад

7:29 -- to whoever your professional captioner is, I could understand her. She said "A little dresser, for his little clothes" ;) I doubt they'll see this and add it in but just thought I'd give that info just in case. Congratulations Hannah! So happy for you and this step on your journey. And oh cool, you linked an adoption budget resource. I'll definitely check that out! That's more relevant to my goals for the future.

@YNABofficial Год назад

Julep could've told them what I said-that's the only voice she hears me talk in! 😂 And SO glad you're gonna check out the adoption blog from Ernie! Hopefully we can build even more content on that in the future! 🌻 Hannah

@staceyklausner2677 Год назад

Congrats on the happy news! My suggested category... formula. This stuff is priced like liquid gold, and despite the best and extraordinary efforts made by lots of moms, breastfeeding doesn't always work out. Be prepped to take on that expense (even if just for supplementing), and then if you don't need it, you've got a great bonus ready for Baby Bingus' other categories.

@YNABofficial Год назад

Oooh, I've heard formula is uber expensive but I've never actually looked to find out myself how much it costs. Unforeseen circumstances are definitely worth at least getting into the budget to keep 'em on our radar, even if we don't allocate any dollars to them yet! 🌻 Hannah

@marlaedington6471 Год назад

I didn’t realize how much it was now either until I looked when my daughter just had her baby (she is almost exclusively pumping then bottle feeding since her baby was a preemie and the latch, then the process didn’t work oiut as expected). She has over a month supply extra. So whatever you can to breast feed/pump. But if it doesn’t work out, don’t feel bad. That happened with one of my two kids. Just budget for that formula!

@JDFrancis Год назад

Yay! Congrats. Diaper subscription service is a solid idea. My main advice for people who are having kids is: The answer to the question, "Should we stop and get some diapers?" is always "YES!" So you've got that taken care of. Oh, and make sure you get a rocker/glider that is comfortable enough to sleep in.

@YNABofficial Год назад

Ooooh, we just received a rocker on our doorstep last weekend!! No idea who it's from yet (I assume we'll find out at a baby shower), but MAN it IS comfy!! The whole back of it is just like one giant pillow. Very grateful to have it, because I imagine we'll be spending a LOT of time in it! 🌻 Hannah

@JDFrancis Год назад

@@YNABofficial Yep. Our babies are 15 and 12, and we still have our glider. I think the base has been replaced once on it already, and it's probably due for another.

@YNABofficial Год назад

Amazing!! That's a high quality build, right there! We jsut got one for the nursery, but I'm wondering if we should get another one for our bedroom, given the fact he'll be sleeping with us the first many months! Not a bad idea! 🌻 Hannah

@dlbrowning9221 Год назад

Congratulations, Hannah!!! So excited for you!

@spookybell Год назад

My twins are 6 and I feel like I need a catergory for orthodontics now… to prepare. Because of you, I don’t have a savings anymore… I’m planned through August… almost September ❤️❤️

@YNABofficial Год назад

Oh my word, not a bad idea!! 😂 I had gappy teeth and my husband had BIG teeth, so we both went through braces/invisalign. Note taken! And YAY!! September is so far away!! You go, girl!! 🌻 Hannah

@melanieshipley3133 Год назад

Yes, very smart! After we paid for my teenager's braces, we started a braces category for my three other kids and I was shocked how much it added up to! Saving $5000 for each by the age of 12 was over $200 per month! But most people that I know would finance and pay it off later and we are doing the work now!

@bestcee Год назад

Our ortho actually recommends bringing in kids between 6-8 years old for a visit. They can check their teeth, and sometimes just use a spacer, etc. instead of needing more expensive braces down the road. I wish I'd know that 6 years ago! And that visit is fairly cheap to free. You may want to check around.

@spookybell Год назад

@@bestcee my kiddo has a missing tooth so, we are already there… hence the budget category

@rhodab6625 Год назад

Congratulations Hannah!!! So happy for you both🎉🎉🎉🎉

@thecurledfreckle Год назад

Wow!!!! Huge congratulations!!!! Thanks for sharing this with the world. Wishing you and your partner all the best!!

@lucascrow348 Год назад

How exciting! Congrats Hannah!

@Mare00711 Год назад

Omg congratulations!! So excited for y'all!

@teresakelch7269 Год назад

Congratulations 🎉 Think about planning for a house cleaning service during the first months post birth. So much stress removed!

@YNABofficial Год назад

Not a bad idea! My sister mentioned getting laundry help at least the first few weeks was a game changer! I can believe it. Especially with the amount of dog hair our sweet little Julep can produce 😂😬 🌻 Hannah

@newcreation19 Год назад

Thanks for sharing!! I’m so happy for you! You’re already doing great, and I know you’ll continue to rock it! Life is tough and so are you 💗

@YNABofficial Год назад

We're doing the best we know how, which turns out right now is pretty little! 😂 But we have lots of family and friends with great advice and experience that can help us walk this brand new season! Feeling blessed. 😇 🌻 Hannah

@tlplante1 Год назад

Meal planning and freezer cooking have been a huge help. I'd suggest a meal planning category to pay for one of the services that does a lot of the planning for you after you pick your recipes! Huge time-saver 😊

@YNABofficial Год назад

Ooh, good point! I need to start looking up some freezer meals and get some tasty ones cued up!! Thanks for the tip! 🌻 Hannah

@maikynmakoto2561 Год назад

Congratulations! Freezer meals are so handy, for our last we had a day with a friend and a couple of family members where we prepped about 37 meals (others have done more over more days, but freezer space needs to be considered). My second was born in 2020, and also woke frequently for a long time- I did so many middle of the night online purchases 😅 Hopefully your little stays well for a long time, but my 3rd got her first cold at only 2 weeks old 😢 So things like a thermometer, baby panadol, snotty boss etc can help feel like you're doing something when the little one is sick. I found a haaka super handy- was able to save some breast milk for emergencies (my sister did actually end up in ER a week post birth and wasn't allowed to breastfeed for 48 hours due to medication given) as none of my 3 ever took a bottle, plus can be used down the track to mix in with solids. Syringes! You can never have enough syringes, should be able to get from chemist/pharmacy, but stock up! All 3 are sick right now, and I'm sharing a syringe between 2 because I ran out- so many times I've been searching for a syringe and resorted to a spoon which they hate and so much more gets spilt. Btw, books are an excellent thing to put on gift registries and for all birthdays/occasions. All the best!

@stormshadowj10 Год назад

Awww! Hanna, I am so happy for you! Congratulations!! We love you!

@YNABofficial Год назад

Thanks so much!! Feeling so lucky and grateful!! 🌻 Hannah

@DebbyHerold Год назад

Congratulations Hannah! Your life is going to completely change ... and all for the better!

@Tacha1007 Год назад

Congratulations! Enjoy as your world acquires a beautiful new dimension! Savor every moment! Being a mom has been one of the most rewarding experiences of my life and I wish the same for you and your husband!

@YNABofficial Год назад

We sure will!! Thanks P! We can't even wait! 🌻 Hannah

@DreamPlanCreate Год назад

Congratulations. So happy for you both.

@jenniferlarregui3315 Год назад

Congratulations Hannah. I am so happy for you. You are going to add even more categories for that little one.

@YNABofficial Год назад

Oh, I am SURE of it!! Thanks so much, Jennifer!! 🌻 Hannah

@angeljuarez93 Год назад

Congratulations Hannah & Mac!! Y’all are gonna be great parents 🥳💕💙

@YNABofficial Год назад

Thank you so dearly, Angel!! Means the world!! We just hope to do our best! 🌻 Hannah

@KendraStrode 6 часов назад

Thank you for putting this together! My partner and I are still in the "thinking about maybe having a future human" stage of things and I'm *already* thinking about the budget. This video was so helpful because, as you mentioned, google writ large was not! If you have an updated version, I'd be psyched to hear about it!

@Natazavrik Год назад

Hurray! CONGRATULATIONS!! ❤️

@ErinRose94 Год назад

Congratulations!!!! My advice would be to trust your instincts, you have them for a reason. Wishing you and your growing family all the best. Thanks for sharing your wonderful news with us followers! 💜

@YNABofficial Год назад

I've heard specific piece of advice this over and over! Holding it close, for sure. Thanks Erin 🥰 🌻 Hannah

@user-nv9mp6su7u Год назад

Awww congratulations Hannah!! So happy for you, 🙂 Also you have been our inspiration for getting our finances in order and now I can not imagine life without YNAB so thank you!

@YNABofficial Год назад

Oh my word 🥺 You are so kind!! But girl, that is all YOU!! Way to rock it!! 🌻 Hannah

@9XmooseyX9 Год назад

Ahh congratulations Hannah, so exciting!! ❤

@ViolaGrl19 10 месяцев назад

Congratulations Hannah! If I had YNAB with my first we could have avoided some struggles - but we have it now and the categories have shifted and will continue to shift and I’m so glad I have it for where my family is now.

@joeschmoe1574 Год назад

Congratulations Hannah! Best wishes for this exciting new chapter for you and your husband -- and child.

@YNABofficial Год назад

Thanks, Joe!! I'll pass the well wishes back to them both 😉 🌻 Hannah

@minajones8341 Год назад

Aww! Congratulations 🎉💖 I’m glad you’re bumping up the healthcare categories

@YNABofficial Год назад

Oh, ya gotta do it. Can't take care of myself enough knowing everything I do impacts our little guy, too! 🌻 Hannah

@kathy7752 Год назад

Congratulations! You will be wonderful parents! Enjoy the miracle of new life!

@YNABofficial Год назад

Thank you!! Pregnancy has been absolutely wild and mind blowing. I keep thinking, "there's no way this is real!" We're so grateful and blessed! 🌻 Hannah

@wpuymac 5 месяцев назад

I’m so happy to hear this. Congratulations.

@McCrackenfamily Год назад

How lovely! Congratulations!

@TheDan9169 Год назад

Awwwww congrats Hannah and Mr Hannah! Made up for you both ❤❤❤

@YNABofficial Год назад

I will pass the congratulations back to Mr Hannah 🥰😂 🌻 Hannah

@cjmiller5972 Год назад

Wonderful news! Congratulations!

@Musicman2012Now Год назад

Hannah has set a new record for me…she had me laughing under 12 seconds.😂😂😂 Congratulations, Hannah!

@YNABofficial Год назад

😏😏😏 Gotcha 😂 🌻 Hannah

@Musicman2012Now Год назад

@@YNABofficial 😊

@anii2286 Год назад

Congratulations! This is lovely news.

@sweetkd4366 Год назад

Congratulations! I had an idea based on your getting rid of the emergency fund video! You will be a great mom! ❤

@YNABofficial Год назад

HA! I was shocked how many guessed baby just from that one sentence. You guys... 😏 🌻 Hannah

@lisamunro5358 Год назад

Yaaay! Congratulations! And excellent budgeting advice, as always. ❤

@YNABofficial Год назад

Thanks 😂 These are the times I wish there was MORE money in the world!! I feel like we couldn't possibly have enough to welcome this little guy!! 🌻 Hannah

@Nancy-uv4xx Год назад

Wonderful! Congratulations!! My kids are all grown, and I was in debt until they were out of the nest. This was amazing.

@YNABofficial Год назад

I've had many realistic conversations about the cost of kids with co-workers and families and it has been GROUNDING to say the least. We're definitely trying to think ahead and do all we can to prepare and keep it cash only! Staying optimistic until reality hits 😂 🌻 Hannah

@brittanybouchez3490 Год назад

I didn’t even finish watching the video but CONGRATS!! I’m so happy for you 🥰 you’re going to be such a fun mom

@YNABofficial Год назад

THANK YOU!! We sure *hope* we're fun 🤪😂 🌻 Hannah

@BritnieMickle Год назад

CONGRATS!! As a mama of four you are about to embark on a journey of a lifetime. So excited for you both. Praying for a healthy pregnancy and baby boy!! We can't wait to see him!!

@YNABofficial Год назад

THANK YOU! We're grateful! A little anxious, but very grateful :) 🌻 Hannah

@marionhowells5364 Год назад

Thrilled for you congratulations 😊

@rubyrocks5 Год назад

Congrats!! 🎉🎉 I’m not a parent, but in addition to all the things you mentioned (and based on things I’ve observed my siblings spending on their kids), you may want to set a bit aside for things like a maternity photoshoot, baby photoshoot and/or the baby’s 1st birthday party. This definitely doesn’t fall in the perimeters of 100 years ago, however. Since new baby is a whole insane industry these days, those kids of things can have a shocking price tag (and you may want to find more budget friendly options), but those photos can be priceless

@YNABofficial Год назад

I have co-workers already saving for their babys first birthday!! I mean, WHY NOT!! It's not like birthday parties for little kids go away-there will only be MORE as more kids are added, so might as well build it into the budget now! And YES, the baby industry is insane and kind of hilarious. The things we moms will pay for... slap the word "baby" on it and we GOTTA HAVE IT. 🌻 Hannah

@OmaRuns67 Год назад

Congratulations!!! Praying for y’all!

@YNABofficial Год назад

Thank you April!! We appreciate that immensely! 🌻 Hannah

@kayonnewebley7123 Год назад

Congratulations Hannah and husband!!!!!!!!!!!!!!

@lizp.9513 Год назад

Congratulations!! That is awesome news, and a fantastic vlog for other parents to be ❤

@YNABofficial Год назад

Thank you Liz!! We can't wait!! 🥰🥰 🌻 Hannah

@deniselittle5558 Год назад

This is so exciting! Congratulations Hannah - you are going to be an amazing mother! One thing I can think of that you may want to budget for is professional photography. When I had my son so many years ago we received a package for a free photo shoot in our home of our new little bundle. When it was all said and done; we spend a few hundred on photo's because we just couldn't say no.

@YNABofficial Год назад

This is something I never would've thought of, but would LOVE!! I love those organic, in-home shoots that are just in your natural environment. I'll pitch the idea to Mac!! So fun! 🌻 Hannah

@SapphireBlueTravelExplores Год назад

Congratulations guys. Great advice as usual😀

@eliskamiller7085 Год назад

Omg! So happy for you Hannah ❤

@rr8153 Год назад

Congratulations! 🎉

@user-rm1bk3in3b Год назад

I'm REALLY enjoying watching your life unfold through these budgeting videos! Wow! Your videos are so great, you are funny AND make your points really clear, I just started budgeting with YNAB a couple weeks ago, already want to quit I am so overwhelmed, but because of your videos and the great resources available like the workshops, I'm determined to make this work! Thanks again your videos are amazing!!

@YNABofficial Год назад

🥹🥹🥹 So encouraged by this!! It can be SO hard to start a new thing, but I promise the investment is worth it-it's been a life changer for us, especially when HUGE life changing events like this one pop up!! Thank you so much for sharing your journey with me, and I'll keep the content comin'! 🥰🥰 🌻 Hannah

@riannedeinum3458 Год назад

Congratulations!

@richardperson6310 Год назад

Congratulations Hannah! 🎉

@marjolijnbas9987 Год назад

Omg I totally missed this vid! Congratulations Hannah!❤ Love seeing your adjustments on the budget... we did the same things 2 years ago when we were expecting our first and our second daughter will arrive in september. Our "baby tax" has certainly increased, but the fact we don't have to buy everything again makes it soooo much easier this time!

@YNABofficial Год назад

THANKS! Still not entirely sure what we're doing, but glad YNAB gives us the flexibility to prepare in the ways we know how and totally shift when we learn what it ACTUALLY costs to bring a baby home. And yes, I definitely tried to invest in items that will LAST many babies so it's much cheaper the next time around!! Baby showers were also SUCH a blessing!! 🌻 Hannah

@dawnkoplitz1825 Год назад

Congratulations!!!

@sreyna894 Год назад

Congratulations Hannah!!! 🎉❤❤❤❤❤

@jennivanhart3016 Год назад

Congratulations Hannah, big exciting and daunting changes are afoot! Parenthood is wonderful, hard, fantastic, draining, exciting, and bewildering all at once and often within just a few minutes of time. Don't be afraid to accept help, especially as you find your way as a new Mum.

@YNABofficial Год назад

Pregnancy has definitely taught me that I can improve GREATLY in asking for help!! This is all great and grounding advice! Just trying to get as much sleep now as I can before... you know, it's not so abundant 🤪 🌻 Hannah

@jennivanhart3016 Год назад

@@YNABofficial I give that advice as I was terrible as a first time Mum. Second time around I was only slightly better. No idea what I'd be like with a third chance as we're not going there at all! Two is enough for me, sometimes too much, but mostly wonderfully enough.

@YNABofficial Год назад

I bet you've done far, far better than you will ever know! 🌻 Hannah

@debbied8525 Год назад

WOW! Congratulations!

@nicolestephenson3009 Год назад

Congratulations Hannah and Mac

@hereforthememes Год назад

Congrats!!

@gailesawchuk Год назад

Congratulations Hannah! Bet you will be amazing parents!

@mcdowellsfamilyadventures5318 Год назад

I knew that was the big change you spoke about in a previous video! Congratulations!!

@YNABofficial Год назад

Haha, you guys are little detectives!! I had no idea I was giving myself away so easily! 🌻 Hannah

@QTARUBA Год назад

Congratssssssss... Hannah you are just awesome! Baby Bingus will have the coolest mom!! Enjoy your pregnancy and this ride incredible called motherhood...🚼👶👩‍🍼

@YNABofficial Год назад

😭 You are so kind!! It's actually been a VERY great and smooth and dare I say easy pregnancy so far, so I've just been so grateful!! 🌻 Hannah

@reneeburcham482 Год назад

Congrats!!!!!

@FeliciaWilliams1908 Год назад

A huge congrats!!

@valerieproctor517 Год назад

Yay! Congratulations!

@alexisdumire5634 Год назад

So happy for you Hannah!!! I WISH I had been so good at YNABing when we had our littles ❤

@YNABofficial Год назад

Feeling so grateful and lucky that we have such a good foundation under us!! All thanks to my mom who originally introduced me to YNAB back in 2016!! 🌻 Hannah

@KAli-km1yk Год назад

Congratulations. So happy for you!

@nakpilcarrie Год назад

congratulations hannah!!!

@darkphoenix6807 Год назад

Congrats Hannah!!

@smstnitc Год назад

Congratulations! As the father of three adult children, I can tell you, they are EXPENSIVE. And the new unplanned expenses are never ending.

@YNABofficial Год назад

Lovvvvve that 😂🥵 Bring it on, I guess! 🙃 🌻 Hannah

@smstnitc Год назад

@@YNABofficial they're worth every penny!

@YNABofficial Год назад

THAT'S what we like to hear!! 🥰😂 🌻 Hannah

@doctorpro5430 Год назад

Congratulations!!!🎉

@RaymondAtivie Год назад

Congrats Hannah!

@leithdudfield1821 Год назад

Congratulations!! So excited for you.

@YNABofficial Год назад

Thanks Leith!! 🥰 🌻 Hannah

@honrablmsj Год назад

Aaahhh! Congrats! I would consider budgeting for formula. Even if you don't plan to use it, you can't predict the future; your needs or physical ability may change.

@YNABofficial Год назад

Someone else suggested this! Wise!! 🌻 Hannah

@MP-nc7wk Год назад

CONGRATULATIONS!!!

@Allaiya. Год назад

Congrats!! 🥳

@user-nk1fd6in9p Год назад

Haha..had a suspicion about this a while back based on things you’ve mentioned in your videos. Congratulations to you and your husband!🎉 🎉🎉 Hope the remainder of the pregnancy and the delivery goes well. Not a parent,but grew up surrounded by so many babies in the family till now. The things that take up a lot of money would definitely be diapers,baby formula,and baby clothes. They might even outgrow the clothes before you get a chance to have the baby wear them at least once. All the best with the baby!

@YNABofficial Год назад

I think you're right. I'm definitely more low-tox minded, and getting CLEAN disposable diapers issss... a budget buster for sure. We already started budgeting for those a few months ago because it's a big priority for me! Luckily, I had some friends who had some pretty big babies (one was 10lbs 15oz!! 🥵) who never even fit into the newborn onesies they bought for them, so we inherited some of those which I'm SO grateful for! 😂 I'm already mentally preparing to do MORE laundry in an effort to buy LESS clothes, but I know we'll need way more clothes than I probably think. But THANK YOU!! It's feeling right around the corner! 🌻 Hannah

@dimaj1 Год назад

Congratulations Hannah! You might also want to start to save up for your baby. We started to save $100/month for our daughter before she was born and add any monetary gifts to her to that category. She is 9 now and has a fairly decent balance. The way school costs are, you might also investigate 529 plan. Regarding baby registry, some stores give you an option to buy items that nobody got you at a discount. Regarding HSA, see if you can avoid using it right now. I understand that this is what this plan is for, but more likely than not, you'll have a lot of expenses when you retire and HSA is a perfect vehicle to grow your $$ while you are still working. Just my 2¢ Again, congratulations!!!

@YNABofficial Год назад

We talked about this just last night! My grandparents bought a bond for each of us grandkids every year (sometimes little, sometimes bigger-just based on what they could afford at the time!), and we were given those when we graduated high school. Of course they still had to mature quite a bit, but it was so cool to think about these teeny tiny investments we each had being put into our name each year! Something we'd definitely like to do for our kids. Also yes, the 529 🥵 Stresses me out just THINKING about how much college will cost by the time our kids are grown. Maybe if we show them how long it took for us to save such a meager amount for their 529 they'll decide to do something else cheaper in place of a university 🤣 🌻 Hannah

@nathaliamccullagh1927 Год назад

Amazing news! Congratulations. I highly recommend Haakaa pump in case of milk overproduction and Spectra pump if you want to have some milk in the freezer

@YNABofficial Год назад

Registered for the first! Haven't looked into the second because... overwhelmed by that world 🥵😂 🌻 Hannah

@bestcee Год назад

Congrats! My favorite purchase, and the one I give to most people is a Pocket Nanny. Sure, your cell does timers. But for $20ish? It makes it so much easy for both partners to keep track of baby's needs, with 4 times together. Especially when you are half awake trying to remember when Bingus last ate, or if Mac fed him or gave medicine, and when did he fall asleep again? Was it 1 or 2? And, surprisingly, it's something we still use on occasion with the teenager, so it lasts!

@YNABofficial Год назад

This is so cool!! I've never heard of it! Adding to my registry!! I love how simply it looks. So many apps kinda OVER complicate or give you way too many details to document. This is simple and looks awesome. Love it, thanks for sharing!! 🌻 Hannah

@angelaossar954 Год назад

This is all such GREAT advice! Wish I'd been a YNABer when mine was on the way! Advice: BUY USED! Maternity clothes, baby gear, clothes - all that stuff that you'll only need for a little while is stuff that others only needed for a little while, so you can get stuff in excellent condition for a lot less. CONGRATULATIONS HANNAH! I think this is my favorite HIFH ever. :D

@YNABofficial Год назад

A thing I've been most fascinated by is how generous the "kids" community is! All my friends who have had babies, even in the past six months, are already lending us their newborn clothes or swings or gear their kiddos have grown out of. We were even given 80 brand new newborn-sized diapers by someone whose baby outgrew them before they finished the box! So grateful! And THANK YOU!! I'm sure we can expect many kid-related HIFHs to come!! 🌻 Hannah

@IlsevandenAncker Год назад

Congratulations.

@janetcdaniels Год назад

Congrats! 🎉🎉🎉🎉

@MariaMolina-vz9rv Год назад

Congratulations ❤🎉

@jackwiley1480 Год назад

This is wonderful news! So happy for you and your husband.

@YNABofficial Год назад

Thanks Jack!! Same! 🥰 🌻 Hannah

@stephenroberts630 Год назад

Congrats!

@mikejeffery905 Год назад

Congratulations Hannah!!!

@TimothyAlbert1 Год назад

Congrats!! 🎉

@sammgemm Год назад

WOOOO HAPPY FOR YOU! I just remember watching you talk about the wedding and everything, and thinking Julep would be the forever baby but looking now I'm honestly happy as heck. Para social relationships am I right? 😅😂 But seriously congrats to you and the hubby

@YNABofficial Год назад

Right?! It wasn't that long ago, which is the crazy part!! Our little guy might've jumped the gun a little bit, but we're pretty darn excited and feeling ready to meet him! 🌻 Hannah

@ksk881 Год назад

Baby Bingus....I LOVE it! ❤ Congrats to you and hubby!

@YNABofficial Год назад

🥰🥰 Not his legal name, but it works for now 😂 🌻 Hannah

@MrsSauer-vh6kh Год назад

Congratulations 🎉 ❤️🥰

@codegirl007 Год назад

Best "how to bring a baby into the world" financial video ever. Entertaining, funny and helpful.

@YNABofficial Год назад

Well, THANK YOU!! Hopefully it actually pays off in the end! (no pun intended 🤣) 🌻 Hannah

@justpictureitnow Год назад

🎉Congratulations!! 🎉 I’d tell you it will change your life - but you’ll have no idea until that little human arrives. First glance of Bingus, you’ll go … “Ahh, THAT’S what everybody’s talking about!” Nothing like it. And you just can’t put it into words. So very VERY happy for all three of you.

@YNABofficial Год назад

Oh, I'm anticipating it changing just about EVERYTHING! But we feel ready and excited! Can't even believe this stage of life is finally here?! Feels unreal! 🌻 Hannah

@justpictureitnow Год назад

@@YNABofficial oh it’s REAL! 😉

@YNABofficial Год назад

@@justpictureitnow 😂😬😅 🌻 Hannah

@msmariasolis1 Год назад

Congratulations 🎉❤🥳

@BigWade Год назад

Congratulations🎉!

@taylorashlock6309 Год назад

Congratulations, Hannah! I don’t have kids so no useful tips other than that a friend of mine was recently telling me how she was so glad she got an appointment with a photographer to take some family and newborn photos and she has gone to the same photographer around the time of other milestones since then.

@YNABofficial Год назад

A few people have mentioned this! If we have money left in our baby category after we've locked in all the necessities, we might consider scooping some aside for this! That's something I would never think of until it was far too late, so this is a great suggestion. 🌻 Hannah