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10 Ways To Save Money When Having A Baby

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Having a baby can be the best thing that you have ever done.

Becoming a parent is filled with endless laughs, memory making, and fun times.

While most of your time will be spent having fun with your new baby, there may be times where things get a little stressful, especially with money.

It is no secret that babies take a toll on your finances, so it is important to know what you can do to save money when you have a kid.

Today, we are going to explore 21 different ways that you can save money when having a kid.

1. Get Cashback When Buying Baby Items 

When having a baby, there are going to be expenses that you can’t avoid.

For most of these, there are ways to save money, but for those you are not able to save money on, you could get cash back on.

With the popularity of smartphones, app developers are creating apps that allow you to earn money back from everyday purchases that you make, including baby items.

This is where an app called Ibotta can help. Ibotta is a smartphone app that lists different products at your favorite retailer and the amount of cash back you can earn back by purchasing them.

Simply find the product you would like to purchase on the app, buy it in the specified store, and then scan the receipt to verify your purchase.

Once you have reached a $20.00 credit built up, you can withdraw your money into a PayPal account or use it toward a gift card to a full line up of retailers.

2. Earn Gift Cards When Shopping At Your Favorite Stores

As a new parent, you will always want to get gift cards to your favorite stores to shop for your little one without having to spend your own money.

What if you could earn gift cards for simply visiting stores and scanning items? Well now you can with a smartphone app called Shopkick.

Shopkick is a smartphone app that allows you to earn “kicks” for walking into stores, scanning barcodes, and even making purchases.

While making a purchase is not necessary, the kick rewards are usually much higher when making a purchase.

Alternatively, you can earn kicks by simply browsing, which is a good way to get the kids out of the house and make you some extra money.

These kicks are used as credits to be cashed out on gift cards to popular retailers such as Amazon, Lowes, and Walmart. You can earn gift cards for diapers or formula by spending a couple of hours visiting stores in your town.

3. Buy Second Hand Clothes/Furniture

If you are the type who loves to browse Pinterest or Instagram for ideas for your baby’s nursery, you have most likely seen how expensive new furniture and decorations can get.

You can get the same great looks at a fraction of the cost by simply scouring a few smartphone apps for second hand or slightly used baby items.

Using apps such as LetGo & 5Miles will let you browse your town and the surrounding areas for used (and possibly new) baby items that others are getting rid of. Most of these items are in generally good condition and will be offered at a much cheaper price than retail.

This is also a great place to grab some clothes that have only been worn a couple of times as well. Parents are always selling kids clothes on these apps and you can usually find a great deal on a full bag of clothes.

4. Breastfeed As Long As Possible

 Besides diapers, one of the most expensive expenses you will have to deal with is formula. Babies do three things in the first few months, sleep, cry, and eat. If you have decided to put your baby on formula, you can expect to set aside a weekly budget for formula alone for at least the first year.

One of the ways that you can save money on feeding your baby is to breastfeed. Breastfeeding is free and it is the healthiest way to feed a baby as they get all of the important nutrients they need from breast milk.

With a simple breast pump and few bottles, you could be saving hundreds if not thousands of dollars in the first year. While it is not for everyone, it is one of the easiest ways new parents can save money.

5. Buy Multi Use Beds & Furniture

 If you are fortunate enough to have a nursery, or even just some extra room set aside for your baby, you most likely want to fill it with some furniture or a nice crib for the baby to sleep in.

When looking at baby furniture, it is always best to look for things that have more than one purpose.

Convertible cribs are a great example of a multi use piece of furniture.

These cribs transform into toddler beds and sometimes even into day beds so that your baby’s crib can grow with your baby.

This helps to save money in the long run with an initial investment on the convertible crib that prevents you from having to purchase more furniture in the future.

The same can go with changing tables and dressers.

There are many changing tables out there that can be transformed into a dresser for when your child grows out of diapers and into regular underwear. Do your research and plan ahead to save the most money.

6. Find Bulk Food On Sale & Cook Ahead

 With a new child in the house, you will find that your free time has all but disappeared. The time you once had to cook a nice fresh meal has been replaced with stopping by the nearest fast food restaurant for a quick bite to eat.

While this may be convenient, it could be costing you more money that you think throughout the month.

To ensure that you are eating healthy and saving the most money you can on food, try to find bulk food at a cheaper price and meal prep. Buying larger batches of meat or dividing a large bag of chips into baggies can really hack away at your monthly food costs.

By having healthy food prepped and ready to go, even the busiest of parents can make sure that they are saving money and staying in good health.

7. Learn How To Make Your Own Baby Food

 Once your baby starts to make the transition from milk to baby food, you may find yourself spending more on baby food than you were on formula.

Of course for those who were breastfeeding will have a new expense added to your weekly shopping trip. 

One of the best ways to combat this, and to ensure you know what is going into your baby’s mouth, is to learn how to make your own baby food. Using an app called Nuttri, you can meal plan and track your baby’s progress from the convenience of your smartphone.

This app allows you to discover over 100 natural food ingredients for the weaning stage and what essential food groups your child should be getting.

8. Swap Formula Coupons With Other Parents

 When it comes to saving money, using coupons is always one of the most popular ways people of all ages have lowered their grocery bill. For parents, coupons are a hot commodity as they are always looking for ways to save the most money on baby expenses.

One of the most popular coupons parents use are formula coupons.

Formula coupons are usually sent out to expecting or new parents from the largest formula manufacturers as a way to entice them to purchase their products.

However, not every child likes the same type of formula, so you may end up with coupons for formula you don’t use.

While to most these may see useless, there is a way to make them work in your favor.

Finding moms with kids your age via Facebook, forums, or baby apps can help you trade these coupons for coupons of formula you actually use.

By posting what you have to offer and what you are looking for, you can get matched with other parents who can swap coupons with throughout the formula stage.

9. Learn How To Make Your Own Baby Items

 When we were kids, our parents learned how to be frugal from their parents.

They learned how to sew their own clothes, build their own nurseries, and raise their kids without the help of the internet. With new parents having the convenience of Google and YouTube, finding the fix for just about anything is a simple click away.

This can be a great tool for you to make your own baby items to help save you thousands of dollars.

Parents are learning how to make their own food, blankets, beds, and more with the help of the internet. Pinterest and Instagram have really helped DIY curious parents venture out and make their own baby items.

This is not only a great way to save money for your own family, but you could even get good enough to start selling your items as well.

10. Use Shopular To Find The Best Deals On Baby Products

 Parents are always looking for the best deals whether it be on diapers, formula, clothes, or toys. With many of the items you spend money on are disposable, finding the best deal can be the best way that you can save money.

Luckily, with the convenience of smartphone apps, you can find the best prices straight from your phone.

Shopular, a smartphone app, was designed to allow you to find all of the latest promotions, coupon codes, and deals from your favorite local retailers.

They even upload a digital copy of the weekly ad from popular stores so you don’t have to sort through your Sunday newspaper anymore.

Using Shopular, you can easily look and see what baby products are on sale before stepping foot inside the store.

11. Connect With Other Parents To Exchange Unused Items

 When having a kid, it is important to have a support structure in place. Times can get hard and having someone to talk to and exchange items with can be a huge help both mentally and financially.

By using an app such as What To Expect, you can connect with mothers of children the same age to discuss problems you are having and exchange items you are not using any more.

Similar to selling your items to people on LetGo, exchanging items on What To Expect is a great way to get rid of old items and get slightly used items in return.

Many parents use this as a way to exchange clothes, toys, and samples of products that they ended up not using. 

12. Use A Freelance Site To Work From Home

 If you are unable to find a babysitter or would just like to spend more time at home with the kids, working from home may be a route you want to look at taking. Working from home gives you the freedom to work on your own time, save money in daycare, and make more memories with your children.

Sites like Upwork and Fiverr have given parents a way to become their own boss and make their own schedule from the comfort of their home. By doing work such as blogging, social media, and many other professions, many have found that working from home is the best choice for them.

Of course, you could even use these sites to create your own business as well by outsourcing work to lessen your day to day load.

13. Use The Mint App To Keep Track Of Your Spending

 Saving money is all about budgeting. Budgeting your money can help you keep track of all of the money you are bringing in, what bills you are paying, and what money you have left over.

Anyone who is looking to save money, not just parents, can always benefit from a budgeting smartphone app.

One of the most popular apps, Mint, has really made a name for itself over the past few years. Mint uses your bank information to log all of your earnings and spending to make personalized reports and budgets to help you take control of your finances.

For parents, this can be a huge help as you will find yourself far too busy to keep track of your new additional spending and knowing exactly where your money is going can help you to plan for any new adventures or items you may need for your baby.

14. Turn Your Receipts Into Cashback

With all of the additional spending you will be doing as a parent, your stack of receipts are going to start to pile up quicker than ever. While most people tend to throw them away or simply file them with their tax information, they can be used to earn gift cards to your favorite retailers.

Apps like ReceiptHog will give you credits for each receipt that you upload to the app and allow you to use these credits to redeem for gift cards.

Simply snap a photo of your receipt on the app and watch your credits rack up.

This is going to be one of the easiest ways to earn some extra income to help save your hard earned cash when it comes to buying groceries. You are already getting receipts anyways, why not let them help you make some money?

15. Make Extra Money Doing Online Surveys

While the baby is sleeping, if you are not catching up on some sleep, why not use your phone to help earn gift cards for your next baby item purchase? By simply answering surveys on your smartphone, you can start earning credits through SwagBucks that can be redeemed for Amazon, Target, and Walmart gift cards.

Swagbucks offers surveys for you to answer from the convenience of your smartphone, or your computer, and in return, you get to earn “Swagbucks”. These Swagbucks are used to redeem for gift cards at predetermined increments, making it one of the easiest ways to earn gift cards from your phone.

16. Sell Your Unused/Outgrown Items

While on the apps mentioned above, you may want to check and see if you have anything you want to get rid of to get some extra cash back in your pocket. Kids are always outgrowing clothes, toys, and even furniture. Clean them up and take some good photos to list them and hopefully sell them to fund new items.

One of the most popular places to do this other than 5Miles & Letgo is Facebook Marketplace. For those who are on Facebook, you may have noticed their new Marketplace section which acts like an online garage sale for those wanting to sell their items.

Alternatively, you can join specific Facebook groups for parents where they buy and sell baby items. These are usually a little more exclusive, but this could be where you find the best deals at.

17. Sign Up For Free Samples Of Popular Formulas & Baby Food

When you are pregnant or even after you have your kid, you will want to take advantage of any free samples that you can get your hands on to save you money. Luckily, many baby food and formula companies offer free samples if you sign up to their email list or newsletter.

To get the most from this tip, we suggest visiting different baby food and formula manufacturer websites to see what kind of promotions they are offering. Most will offer a free sample to try out to see if your baby likes their product or not.

This is also a great way to see if a specific product is going to be a good fit before you spend a lot of money on it. Babies can respond differently to foods depending on what their taste/allergies are so it is a good idea to test out a sample.

18. Earn Cashback By Shopping Through Portals

If you are going to be doing some shopping, wouldn’t it be nice to earn some cashback? By using certain online shopping portals, you can easily cash in on gift cards to your favorite retailers when you make online purchases.

Online portals are sites that allow you to earn cash back by using their site to shop your favorite retailers. Using a site like Swagbucks allows you to easily shop the most popular retail sites and earn cashback with every purchase.

Sites like Amazon, Lowes, Home Depot, and WalMart offer up to 10% cashback on purchases made on their site when visited through the Swagbucks portal. When purchasing items like diapers or formula, order them for online pickup through the portal so you can earn the most cash back.

19. Ask Your Insurance Company If You Qualify For A Free Breast Pump

If you are choosing to breastfeed, the most cost effective option when it comes to feeding your baby, you have probably noticed the high cost of breast pumps. While prices can range from under $100 to over $300, saving any money you can put you ahead of the money saving game.

One thing you can do to save money is to check with your health insurance company and see if they offer free breast pumps to new mothers. Many insurance companies have programs set in place for mothers to receive a free pump, so it is worth giving your insurance company a call to see if you qualify.

For those without insurance, there are other services available to get a free or discounted breast pump, however it may take some calling around or visiting specific clinics specializing in helping those without insurance.

20. Look Into Using Reusable Diapers

 With one of the most expensive expenses you will have as a parent are diapers, there is a way to cut this expense in half, if not more. Disposable diapers are just that, disposable. Once your child uses them, they are thrown away. With most kids using anywhere from 7-12 diapers a day, even the biggest box of diapers can quickly disappear.

To combat this, disposable diapers can be used. Disposable diapers are usually made from a cloth material and can be either hand or machined washed to get multiple uses out of them rather than be thrown away.

While this may not seem like the most convenient or the most fun, it can save you hundreds if not thousands of dollars before your child becomes potty trained.

For those with kids in daycare, using disposable diapers during the day and disposable at night when they are home can also be a great way to cut down on the expense of disposable diapers.

21. Skip Out On Purchasing Too Many Baby Toys

Last but not least, don’t get too wrapped up in purchasing your baby the latest and greatest toys. Babies have a very short attention span and can be kept entertained with some of the most basic items. You would be surprised on how long a 6 month old can love to play with an empty water bottle. 

This is a great habit to build as your child grows older and can help to save even more money down the road. By teaching your child to be creative with objects at a young age, they will not grow dependent on wanting new toys every other day. 

You will want to make sure that whatever you give your child is either child proof or will not harm your child in any way. A quick search on Pinterest for DIY baby toys can help give you a few ideas to help save some money by making toys yourself.

Final Thoughts

With all of these great ideas to save money when having a kid, you should have no problem getting started with your savings.

Babies can become quite expensive, especially for those who are not as financially prepared as other.

However, using these tips above, just about anyone can save money with their new child.

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