15+ Ways To Prepare For A New Baby On A Tight Budget

Having a baby can be expensive, but it doesn't have to be. Far too often I hear people say how expensive it is to have a baby but, let's face it if you're on a budget, that isn't exactly realistic. Yes, babies do need a lot but that doesn't mean you have to go out and spend thousands on the latest baby gear as soon as you get a positive pregnancy test. So here are my top tips on how to prepare for a new baby on a tight budget without breaking the bank!

1. Start your baby shopping early

I would highly suggest this. I know some people like to wait until the last few months but it really is beneficial for you to start looking for bargains on early on. You can then look for deals without pressure to buy them straight away. If you're wondering what you may need to buy for your expecting arrival, take a look at the life insurance authority Smart Insurance's essential baby checklist this is a really helpful new baby checklist by Smart Insurance.

2. Get money off nappies

Join Amazon Family which entitles you to a 20% discount off nappies, exclusive discounts and offers, You can also get £15 off if you spend £60 or more when you sign up.

3. Use cloth nappies

We all know that cloth nappies are cheaper in the long run unfortunately good cloth nappies are expensive to buy, however there are some places such as eBay and Gumtree where you may be able to get some unused or lightly used cloth nappies a lot cheaper. Ask friends at baby group as cloth nappies are a lot more popular to use these days, there's sure to be someone you know who can give you some to try out or hand them down once they've finished with them. It's been estimated that parents can save anywhere between £500-£1000 by using cloth!

4. Get cashback on items you need to buy new

There will be items you need to buy new such as a car seat, cot, and bottles but instead of buying them full price search for deals online and use a cashback website such as Quidco (Ebates if in the US) or Kidstart where you receive cashback on your purchases. Kidstart is great as it has many stores which other cashback sites don't work with as well as being able to save money for your child. 

5. Stockpile nappies and wipes

Stock up on nappies and wipes before your baby is born when there is a baby event. Boots and bigger supermarkets have their own baby events over the course of the year which are great for stocking up on baby items as well as essentials like nappies and wipes.

6. Breastfeed if you can

Obviously its down to personal choice but, if you do choose to breastfeed you can save hundreds of pounds in your baby's first year. Formula is extremely expensive so breast-feeding is definitely the cheapest option for many new parents.

7. Borrow a breast pump

If you do choose to breastfeed, a pump can often cost more than you think. It's a good idea to look for programmes in your area where you can borrow one or even ask your health visitor or a friend if they have one.

8.  Make your own baby food 

As well as it being better for your baby it's so easy to do! On average a jar of baby food from the supermarket is around 89p. You could make up a batch of baby food to last a week for around the same using a baby steamer and blender

9. Don't set up the nursery right away

Keep your baby in the moses basket or crib for the first 6 months (or until they grow out of it) this will give you time to save for setting up a nursery and to find great deals on furniture. 

10. Buy used clothing 

Babies grow so fast in the first year so it makes a lot of sense to buy used clothing. You can snatch up some great bargains on eBay or your local selling group on Facebook. Also don't bother with shoes - they won't need them until they walk! 

11. Borrow things you won't need for long

There are many baby items which you won't need for that long such as a baby bath, moses basket, baby walker, jumperoo. If possible borrow them from friends or family as many will have them stored away in their attic for future babies or to sell. It saves you wasting money on items which you'll only be getting rid of in a couple of months. 

12. Accept hand me downs. 

Of course it's nice to go out and buy your babies first outfits but it's also great for your pocket to accept hand-me-downs from friends and relatives. Let people know that you're happy to take outgrown clothes and baby items. People will usually offer anyway as they're always looking to get rid of stuff and free up space in the nursery. Graciously accept any hand-me-downs, especially items that you'll only use for a few months. 

13. Are you getting everything you're entitled to?

Ensure you're getting everything you're entitled to such as child benefit and tax credits. Click here to find out exactly what you're entitled to. More often than not new parents don't realise that they're actually entitled to some help! 

14. Buy items that convert

As your child grows it can get expensive which is why its a good idea to buy things that convert as your child grows - for example, car seats, pushchairs from birth, cot beds. They may often seem more costly but they will save you money later down the line instead of having to replace them when your child grows out of them.

15. Ditch the changing table

Don't bother with a changing table. Although you may really like the idea of one, many people don't use them! We decided not to opt for a changing table either time and got on fine with just a changing mat on the floor for £5! Another option is to use an old dresser and simply attach a changing pad on top - that way you can remove it and continue to use it as a dresser when they are older.

16. Make your own baby wipes 

Not only are they great for babies' skin as they're chemical free but they are a lot cheaper in the long run too! There are lots of great tutorials on Pinterest so it's worth taking a look and seeing which works best for you. 

Do you have any money saving tips to share when preparing for a new baby on a budget?

* This post is written in collaboration with Smart Insurance


  1. Indeed your Blog is too much helpful for Those family or couple Who really wants help on how to set their budget for new baby.

    So Big Thank you....For sharing your ideas with us.

  2. This is a really helpful post. Thank you x

  3. Charmian Filewood29 April 2016 at 21:19

    Wish we had easy access to the internet etc when our daughter was born!

  4. Interesting to read thanks 👍🏼

  5. Thankfully I'm past this stage, but a useful list. Maybe 'prepare for your tween' I'll be needing next!

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