Pre-Birth Baby Expenses

Baby 2Million finally arrived last week and both mother and baby are doing well!! Suddenly we are a family. Everything has been a blur since her arrival as we are adjusting to family life and getting used to not sleeping much. While we continue to get settled in I thought I would share some of our expenses for having a baby.

Pre-Birth Baby Expenses
Forget all those people talking about saving for college education, etc - even before the baby arrives we have made a significant investment. We could even argue that at least part of our recent home purchase and car purchase were due to us expanding our family, but we will ignore that for now.

Here is a sample of the baby expenses we had before the baby even arrived. We had so many small expenses they aren't all included, but ones I could identify I have included:

Pre-Birth Expenses


Glider Rocker with Ottoman

$ 312.32

Used Crib/Changing Table/Mattress

$ 400.00

Clothes/Storage Baskets for Changing Table

$ 57.61

Lamp for Baby's Room, Curtains, Nightlights, Decorations

$ 85.66

Stroller/Car Seat Travel System

$ 224.16

Baby monitor, End table, DHA supplements

$ 146.73

Painting Supplies for Baby's Room

$ 118.71

Lots of Small Purchases of Baby Clothes (est)

$ 30.00

Yard Sale Baby Items Purchase (clothes, books, toys, etc)

$ 97.48

Boppy Bouncy Seat

$ 29.88


$ 56.15

Bulk Baby Wipes

$ 6.37

Dr/Lab Co-pays

$ 394.84

Maternity Clothes

$ 84.57

529 Plan Contributions

$ 150.00



Ofcourse a lot of these expenses are personal decisions my wife and I made about how we wanted to prepare for our baby. Everyone's mileage will vary, but in the beginning I didn't even realize what we would be purchasing in preparation for our baby.

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Comments (14)

Congrats! Our baby's due date was on Saturday so it'll be any time now! Great list of expenses by the way, I wish I had seen a list like this eight months ago! :)

I'm just curious...Did you break these items out by wants and needs first? It seems like it would be such a challenge to determine what to buy, which brands to buy, and what channels to use to get the stuff.

Congrats! I know you typically keep your personal stuff private, but any chance you'll share the first name you guys picked? I love hearing the names parents pick, it's fascinating - but that's the psychologist in me! :)

Having kids is expensive! My goodness. After reviewing your list, I'm not sure I want kids. Ok, to be fair, I've had doubts of having kids all my life, but still. We're talking pre-baby expenses here and that list is long. You've now got a lifetime of expenses to add to that list.

Regardless, I'm confident you and Mrs. 2Million can handle it! I wish you both the best of luck and glad to hear baby and mother are happy and healthy!

$56 for diapers? That will last you two days.
Good luck!

Did you get anything from baby shower? It would be nice to list all baby shower items & prices so that future mom&dad could get a total picture all expenses we need to spend.

Congratulation! After seeing the total expenses, I think I will think twice before I allow myself to be a father. :)

Enjoy your little one! I can relate to baby- and child-related expenses. Several of the ones you list above are going to be recurring on a monthly or semi-monthly basis (e.g., diapers, books, clothes, ...). My wife and I just welcomed our 4th child in January, also a darling little girl. Have you ever dug into the US Government's cost estimation per raising a child from age 0 to 18? In my view, it is greatly overblown, especially for estimating the incremental cost of adding an additional child to your family. It makes me a bit curious why "they" seem bent on discouraging folks to start a family. An article about the USDA's estimate of $299k total cost of raising a child from 0-17 can be referenced here: raise your kids.

Congratulations!!! $2, 000 is nothing compared with having a baby in your home :)

Congratulations! Best wishes for your family.

Congrats on the new addition!

I can tell you from very recent experience that the first 3 months are pretty rough. However, the first time the kid looks up at you and smiles, it's worth every penny you spend.


congrats. we had our baby girl last week too, on 5/14. the difference for us is this was our 2nd kid so our pre-birth expenses were almost zero. we paid about $10 for a pack of diapers and that's it!


Our first child just hit the 8 weeks mark, so this is all very recent for us, too.

Some of this is very familiar - although other bits differ a lot. For example, we got a gliding rocker on craigslist for $30, and a cosleeper also on craigslist for $80. However, we've put $3,000 in the 529 already (we will only be in a state that gives tax deductions for another year).

Oh, and we have no baby's room - so no decorating costs there - but we did spend a substantial amount getting our spare bedroom ready for the in-laws' extended stay (3mo), including $150 for a (used) futon, $30 for a new futon cover, and $75 for help cleaning... (TOTALLY worth it!).

I hope you keep up these posts - it's a great time for me to follow this topic!

Agreed that mileage will vary. We cloth diaper so that was more up front but will be cheaper overall. I'm shocked by the $87 on maternity clothes - how in the world did you manage that? Borrow lots? I bought maternity clothes on clearance yesterday and spent far more than that and I still don't have enough clothes for a week!

Thanks for your comment. Yes I should clarify some of the other strategies we used it save in other areas.
1) My wife borrowed almost all her materinty clothes from family.
2) My wife got several bags of gently used baby clothes from others to build up a large supply of baby clothes that should pay big dividends over the past several months
3) Baby showers and gifts from friends & family provided a lot of additional clothes, gadgets, & misc items we needed.

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A personal finance weblog of my journey to reach my goal of $2 million + the value of my primary residence.
Current Net Worth: $1,938,393


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