Pregnancy is a wonderful thing, but it does have the ability to make life go a little off-kilter. You have to be able to budget for the months that you want to spend off with your baby. You may not be bringing in any kind of income over those first precious six months of your baby’s life, and so you’d want to do everything that you can to ensure that you keep your head above water when you are staying at home.
Whether you are about to go on maternity leave or not, you still need to consider that you’ve got to take some time off at some point, and you may well spend time saving for maternity leave that may happen for you in the future. This is so that you can have the chance to take the time off with your child should you want it. The thing is, budgeting your money to account for a little savings each month isn’t always straightforward, and so you need to get a little savvy with your cash to allow for those savings to be made. Check out the following tips and make saving easier for you.
- Unnecessary Expenses. Go through your bank statement from last month. How many items can you highlight that weren’t necessities? You’ve got to cut the coat to suit your cloth, not the other way around. Start bringing lunch to work. Start saving with your online shopping by spending cash with NetVoucherCodes.co.uk and take the time to shop around before you buy. These small changes can make a huge difference in your monthly expenses so try not to take them lightly.
- Keep A Treat. Of all the things that you treat yourself with; Netflix, a morning coffee on a Friday, movie night once a month – keep just one of them. If you cut everything entirely, you’ll find it hard to keep away from spending your cash. If you stretch to keep a treat, then you’ll feel far more relaxed about your new budget.
- Find Free Things. Nearly every single town and city has something free to do, whether this is the use of parks, galleries, lakes or beaches. You can also find that local libraries often have crafty mornings that are laid on for a minimal cost, so embrace what you can get for free.
- Cut The Cards. Credit is not something that you need to be covering when you live on a budget, so cut up the cards that you have. Metaphorically, if not physically. Get a credit card if you need a back-up, but don’t activate it if possible. This way, you can have the back-up money there if you absolutely need it but you don’t have to use it.
- Use Cash. Using cash in place of shiny plastic has the ability to make you think about what you’re spending. You can easily spend more when you can’t see the money that you’re handing over, so take out what you need in cash and go from there.
Your spending can be managed for maternity leave, it just takes some adjustments!