The Business Side of Having a Baby

She’s thinking of the baby, wondering how breastfeeding will go, how much time she’ll take off from work and what color to paint the nursery. You’re thinking about the money, the future, your buddies, perhaps a bigger house and wondering whether you really have to buy a mini-van (no, you don’t).

Make both of you more relaxed by getting your financial and legal documents in order. Here is some homework to complete 4-6 weeks from birth. When the baby comes you won’t have time to do this!

  • Choose guardians for your baby. Don’t be surprised if this one requires a long debate.
  • Make sure you have health insurance. Find out what your deductible and co-pay will be for your birth. Ask what else they cover. Some cover a car seat.Some cover a breast pump. Some offer other services. If you fall within a certain income bracket, the state may provide you with valuable and high-quality services that will make your neighbors jealous — like WIC.
  • Make a will. If you don’t already have one, make a will and get it filed properly.
  • Get life insurance. Yup, you’re old enough. Your baby needs you to have it.
  • Daycare. If she’s planning on going back to work, you need to think about who will take care of the baby. You, a relative, a family daycare, a daycare center, a nanny…there are many options but you’ll be glad you started researching this early.
  • Budget. Some families find a budget is especially necessary when there’s a baby involved.
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Hot Moms Club was founded in 2005 and have had their fingers on the pulse of mom trends ever since. Their philosophy is simple, ‘You are not the best mom unless you are the BEST YOU!’

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