The Money Management Bible for Twenty-Twenty Women

Chapter 9 part
Part 3 Formulate the most effective plan for increasing income and reducing expenditure for women

Chapter 3 Maternity benefits for expectant mothers

Section [-] Calculating your expectant mother's maternity allowance

After forming a family with his beloved, he would want to add another little life to his happy little family.With the arrival of the little life, there will be some expenses.

So, let's take a look at Lin Xiao's maternity allowance for expectant mothers.

In the first three months of pregnancy, apart from expenses such as milk powder for pregnant women, there is not much expenditure.On the 16th and 17th weeks, when Lin Xiao chose the hospital where the baby was going to be delivered and began to do prenatal checkups, a series of expenses really started.

The cost of the first prenatal check-up was relatively concentrated, and it cost about 838 yuan including the test fee, inspection fee, treatment fee, and material fee.The cost of each subsequent prenatal examination is about 45 yuan.B-ultrasounds will be done 4-5 times throughout the pregnancy. The cost of ordinary B-ultrasounds is 30 yuan per time, and B-ultrasounds for special needs experts can be accompanied by family members, plus 100 yuan.

Newborn supplies are the next big expense for expectant mothers.Lin Xiao's purchase was made when she was six months pregnant.The total cost of purchasing clothes for the baby is 1600 yuan, the cost of purchasing household items for the baby is 1200 yuan, and the cost of preparing cleaning and maintenance products is 500 yuan.The most important thing is breastfeeding supplies. Newborn babies have high requirements for breastfeeding supplies. Lin Xiao spent 1200 yuan on this item.Lin Xiao's last payment was to buy toys and outing supplies for the baby, and the cost of this item was 700 yuan.

As the date of delivery approaches, as a mother-to-be, she must continue to add money to her bank card.There are three main aspects that determine the cost of the production period: one is to choose what kind of production method; the other is to choose which services to enjoy; the third is to choose what kind of ward.The three factors are different, and the cost also varies greatly.

Wards are generally divided into four classes.In big cities such as Beijing and Shanghai, the general fee for the first-class ward is 500 yuan/day, the fee for the second-class ward is 250 yuan/day, and the fee for the general ward is about 65 yuan/day.In addition, if you choose a special delivery room during production, you need to add 1000 yuan to the general production cost.Lin Xiao chose the second-class delivery room for two people.Excluding medical insurance expenses, self-pay expenses are 2 yuan.

In addition, if it is a cesarean section, the cost will be higher than that of a normal delivery, and the number of days of hospitalization will be longer. The total cost will be about 3000 yuan higher than that of a normal delivery.Since each mother can receive 3000 yuan of maternity subsidies from social security, the actual funds that need to be spent on childbirth are about 5000 yuan or less.But it is best to prepare more before giving birth, because a deposit is required for hospitalization, and maternity subsidies can only be received after discharge from the hospital.

Calculated in this way, the maternity allowance from the beginning of pregnancy to the safe birth of the baby is at least more than 1.In fact, although the purchase of baby products and pre-examination before pregnancy is indispensable to hospital delivery in the later stage, you can also deal with these problems according to your own situation, which can save a lot of money.

1 Antenatal check-ups can be done according to one's own situation, and there is no need to register for special needs.

2. The crib can be replaced by a baby crib from a relative or friend's house, which is more economical and applicable.Or buy a detachable children's bed, which is suitable for use throughout the child's various growth stages, all the way to preschool.

3 The baby bathtub does not need to be too luxurious, but practical.

4 If you have an ordinary steamer at home, you don't need to buy a bottle sterilizer.Boiling water sterilization is very economical, but the pot needs to be used exclusively.

5. You can go to the online store for maternity and baby products to order baby products. The price of the same brand products here is generally much cheaper than the uniform price in the mall.

6 To save hospitalization expenses, it is recommended that everyone try to give birth as smoothly as possible.Cesarean section not only needs to pay the operation fee, but also the hospital stay is longer.

In short, expectant mothers in their twenties should prepare 2000 yuan for prenatal checkups, 5000 yuan for newborn supplies, and 5000 yuan for production costs when they are preparing for the birth of their newborns.Learn to save money cleverly while ensuring the health of your baby and yourself, and reduce your financial burden for yourself.

(End of this chapter)