Friday, November 7, 2014

Financial Impact of Pregnancy, the Second Time Around

Comparing my first pregnancy to my second pregnancy is almost impossible for any number of reasons, but one interesting aspect is financial. Everyone talks about how much babies cost, but the second baby hardly ever costs as much as the first. Part of it is that you already have a bunch of stuff, but also you're more likely to know what actually IS necessary.

Pregnancy
I did not have a chance to wear maternity clothes last time around, so I didn't have any. I've received some hand-me-downs and bought mostly secondhand stuff, and I'm definitely set until baby arrives. I've got four pairs of maternity jeans (only two really fit well), three pairs of maternity leggings, one pair of maternity yoga/pajama pants, two maternity dresses (one summer, one winter), one tank top, four t-shirts, two 3/4 sleeve shirts, and three long sleeve maternity shirts. I won't buy a maternity coat because I'd only need it for a few weeks in really cold weather, and I'm such a furnace being pregnant I don't think I'll feel that cold without one. I'll wear a lot of my maternity clothes post-partum, and either pass them to a pregnant friend or consign them.

Due to Pickle's ongoing medical needs, we have reached our out-of-pocket maximum for health insurance for the year, so I've had almost no prenatal care costs (most prenatal care is covered in full anyway, but some labs and things are subject to patient cost sharing).

I have also bought random things like prenatal vitamins, DHA and calcium supplements, lotion for the bump, and pantiliners (pregnancy is weird). I have caved to fast food cravings only a handful of times.

Baby Preparations
I did buy some baby boy clothes (yay consignment!) as well as a secondhand Ergo carrier and a used double stroller, but not much else is needed for a second baby - we've still got the big stuff from the first time around and I know myself much better in terms of what I am likely to use and need. I stocked up on disposable diapers during Target's sale, and have been slowly restocking our cloth diaper stash as well. In terms of buying stuff, we're as ready as we're going to be for him to arrive.

Delivery
The delivery and hospital stay will be covered by insurance entirely. Assuming, that is, that we don't get any surprise out-of-network bills for people I don't have a chance to shop around for, like the anesthesiologist. I'm not expecting this to be a problem, though, since I'm delivering at the same hospital as last time and we didn't have a problem then. We'll incur some costs for Peanut's meals and parking while I'm in the hospital, but that should be about it.

Postpartum (me)
I still have to buy my postpartum supplies. It was such a shock last time that I didn't even do my own shopping for pads and stuff, so I don't remember what I had or what I needed. I do remember that they send you home from the hospital with a bunch of extra stuff, which I actually just threw out like minutes before I got knocked up this time. I'll probably just buy a pack of the biggest pads they make next time I'm in Target and call it good.

I am on the fence about high-waisted underwear - I didn't have any last time (the hospital provides mesh panties that are gentle on the incision, and I just used those until I didn't need to avoid the incision area). My only concern is that since I actually got a bump this time it might take longer to get to that point, but I figure if I really need some granny panties, someone can go get them for me. And if I don't, that's money I didn't spend on unflattering underwear.

I think I also need lanolin for breastfeeding, but again, I know the hospital provides samples and that can get me through at least the first couple days. The tubes of lanolin at Target are $10, so I'm going to try to hunt down a coupon in the next few weeks - for some reason, that's my threshold for not being willing to just try a product I'm not sure I'll need.

I've got several nursing tanks from my pumping days, and many of my maternity shirts can work as nursing wear as well. I have a nursing cover and a breast pump already, and just need to get some new tubing.

Postpartum (baby)
I bought a lot of diapers but I still think I underestimated how often babies poop. My mother will be staying with us and probably making lots of food, but we might be ordering out a bit more than usual for a while. I am not really doing a lot of freezer meals because I don't have any good recipes that have stood up to being thawed and reheated. Instead, I'm stocking up on chicken breasts, taco meat/beans, and nonperishables so that we always have the makings of one of my usual throw-together dinners. It's not that much more work than thawing and reheating something, but it will taste a lot better and that will make us less likely to order food.

I will be baking some batches of banana and zucchini bread, though, and probably a couple batches of lactation cookies as well.

Aside from that....this is going to sound kind of funny, but most unexpected pregnancy expense has probably been Starbucks. Since I'm high risk, I've been getting a shot in the bum every week since June to prevent pre-term labor, and these shots are TERRIBLE. They give me hives at the injection site and I have to wear an ice pack in my pants for two days after each one. So to make up for it, I treat myself to a soy chai latte after every shot. I managed to get Starbucks credit from a survey site that took care of more than half the drinks, but I've had to use real money to pay for them the last few weeks, so I think I will wind up spending about $40 on Starbucks by the time the baby comes. Who'd have guessed that would make my baby spending list?

2 comments:

  1. Diapers: I'm told we could expect to go through 11 diaper changes in a day! .... that's a lot. Are you getting used cloth diapers?

    Curious: What are lactation cookies?

    On the food thing: I'm pretty sure that take out/delivery is going to get old really fast so I've been digging around for ideas. I found a couple recipes for making ahead pizzas and lasagna for freezing, so I'm going to try those - and I'll premeasure out the spices for our lentil soup which is really really easy to make in the event. I am taking a hint from one of the cooking sites where the blogger poaches chicken and freezes that so that throwing something together with chicken is even easier. I might poach a couple whole chickens and just shred them to make fillings for easy chicken quesadillas and soups, too.

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    Replies
    1. Yep, the amount of diapers you go through with a newborn is sort of astounding, and it's more with cloth than with disposables. Before and after every feeding is not a bad rule of thumb! And inevitably they pee or poop the minute you put the new diaper on, so I open the old diaper for a second or two, then close it back up to let them do their business, before swapping it out. Something about the air hitting the area just triggers an urge. I'm planning on using disposables until I'm fully recovered from my c-section and baby's umbilical cord falls off, and then will switch to cloth. Pickle is in cloth at home already (I use disposables when we're out).

      I am generally not buying used cloth diapers this time around. I was so disheartened at the quality of the used pocket diapers I'd bought when I went to resell them that I'm being very picky about what I buy now. I feel like they wouldn't have leaked as much if I'd bought them new. I've bought only new inserts and mainly new covers this time around, and I can already tell that I like the new covers better than the used ones. It's so much cheaper than disposables it's still worth it to buy new. I did a post on this over the summer.

      This is the recipe that I use for lactation cookies. The cookies are tasty, plus they're filled with things that support milk production - oats, brewer's yeast, flax. I make batches with either cranberries and macadamia nuts or chocolate chips and walnuts, and they're great. Nursing or pumping makes me stark raving loony hungry (and thirsty) so it's nice to have something accessible that I can eat with one hand - and these are probably better for me than oreos. (I was literally eating entire packages of oreos in a day last time around, and not gaining weight - making milk burns calories like whoa.)

      Since I wrote this post, I went nuts with food prep - I have nine freezer meals already done and am testing new recipes daily for additional freezing. The problem is I discovered freezer to crockpot cooking - you assemble and freeze all the raw components of the meal, then thaw and toss in the crockpot when you want to eat them. It's less work up front AND less work the day you make it, and doesn't taste like a freezer meal because you're freezing raw ingredients. Brilliant!

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