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  1. #1
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    Default How much does it cost for a baby in the first 6 months?

    Hi bubhubbers, just curious to know how much money I should look at putting aside for baby #1? We have PHI so also if any of you are able to include pregnancy health care costs/delivery costs.

    Many thanks!!

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    Babies don't cost much to maintain when they're little! Once you have a cot, pram, clothes, etc, really your only costs are nappies ($30 for 108 newborn huggies, will last about 10-14 days depending on how much your baby poos!) and formula ($15-30, a tin would last about a week) if you end up formula feeding. However, I was exclusively breast feeding up until very recently and use cloth nappies, so really my only purchases have been extra clothes that I want for her (as opposed to things she actually needs).
    I'd just aim to put away enough to cover your current expenses while you're off work plus maybe a little bit more to cover the increased electricity, water, etc that you'll be using when you're off work.

    ETA - I went public so the prenatal care and birth were all free.
    Last edited by JR03; 21-07-2013 at 23:24.

  3. #3
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    I agree. It's not so much ongoing costs as setting yourself up. For me the biggest 'cost' has been loss of income. It's great to set yourself up ahead of time with things like wipes, cotton buds, baby medicine cabinet, big ticket items, and after that costs are minimal. Unless you spend too much time online like me buying clothes that will only be worn once or twice!

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    I went private, medicare has covered next to nothing. I have paid out the following:

    Scans:$240 each (got back $60 per scan, back from Medicare
    Ob appointments: paid $90 per appt, got back $40. Once Medicare threshold reached, I got back $70 of the $90
    Ob management fee: paid $2775 and got $475 of this back from Medicare.

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    Quote Originally Posted by Lil Smurfy View Post
    I went private, medicare has covered next to nothing. I have paid out the following:

    Scans:$240 each (got back $60 per scan, back from Medicare
    Ob appointments: paid $90 per appt, got back $40. Once Medicare threshold reached, I got back $70 of the $90
    Ob management fee: paid $2775 and got $475 of this back from Medicare.
    This is pretty much the same as my private ob fees.
    You might have a hospital excess with your phi (I didn't but others I know did)

    Once bub arrives, they don't cost much, (formula if you need it, nappies, wipes)
    But, there heaps of stuff you will just buy for them because you can haha

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    Very interesting. Hopefully I will be able to breastfeed and save money on the formula. I think the biggest outlay will be the Ob fees and birth from what you kind ladies have mentioned. My sister has kindly kept a few key things aside (bouncer, portacot, bumbo and clothes), but she said I'd want to get my own high chair, pram and cot because hers are bit wrecked after two bubs. I hear the baby shower normally helps out quite a bit in terms of clothes, singlets and general daily things....but I won't be relying on that of course. Perhaps 10k is a good amount just to cover set up and Ob?? The time I have off work will be another savings issue haha

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    There is also cost of anaesthetist if required. I had an epidural then emergency c-section, on a Sunday, so mine had to be called back from home prior to the csection. Her fee was $1800, but as luck would have it, she was a no-gap provider with my health fund. Sadly, you can't choose your anaesthetist on that basis though. Paed also cost about $200.

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    Don't forget you'll need a car seat as well, and you'll need to choose whether you buy one from birth - 6 months (in which case you'll need to budget for your upgrade too) or a birth to 4 years. Although we have a birth - 6 months and our son is 9 months and still in it... And random toy and book purchases can add up quickly.

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    As everyone else said, I'd just want to add try not to buy before you need, for example I didn't use a high chair till DD was about 11 months as I found the bumbo easier. Same with the cot, she was in a larger style basinette in our room till she saw nearly 7 months old.
    As for clothes they live in onesies for the first 6 months I'd only have a couple of 'going out' outfits but mostly concentrate on onesies, I'd also look at buying bulk on eBay as those early days clothes rarely get a lot of wear and is usually a very good second hand buy.
    :-)

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    I just wanted to add, put some aside for doctors visits. You don't want to take your bub to the doctor, but if you need to, your bub won't have a Medicare card, so you'll pay full price up front.

    I had my bub at the doctor at a few days old, then again at a week, 10 days. She was tongue tied and we really struggled finding a qualified doctor to fix it. And ended up spending about $500 we hadn't budgeted for.

    Also, car parking at our hospital was really expensive, so budget for that too. Like, if you arrive at hospital, then labour for hours, you'll pay the full daily rate for parking. I think it was $48 or something, again, we hadn't budgeted for that.

    As well as all the normal baby costs, of course.

  11. The Following User Says Thank You to preggasaurus For This Useful Post:

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