5 Money-Saving Pregnancy Tips For Moms-To-Be On A Budget

🔎 Disclosure: Heads up, babe: some links here are affiliate links, which means you might throw a tiny commission my way if you buy (zero extra cost to you). Only things you’d actually use and love get shared on this site.

1. Find Budget-Friendly Maternity Clothes That Still Feel Great

Maternity clothes don’t have to cost a fortune to make you feel cute.

You just need a few key pieces that mix and match easily.

Go for:

• Stretchy leggings that grow with your bump and still look stylish.
  
• Loose dresses or oversized tops you can wear after pregnancy, too.
  
• Secondhand maternity jeans from local swaps or online thrift shops.
  

👉 Here's How You'll Do It: Set a limit of 5 maternity outfits and rotate them with your regular basics to save hundreds.

Make It Easy: Consider a 3-in-1 maternity belly band that lets you wear your old jeans longer.

2. Borrow Baby Items from Family or Friends

You’d be shocked at how much baby stuff collects dust after a few months.

So, why buy what you can borrow?

You can easily find:

• Baby swings, bassinets, or high chairs are barely used and still in great shape.
  
• Newborn clothes since babies outgrow them in weeks, not months.
  
• Books and toys your baby will enjoy for free.
  

👉 Here's How You'll Do It: Message a few friends or family members with kids and ask what gear they no longer use.

Make It Easy: Try a collapsible storage bin set to keep borrowed baby gear organized.

3. Choose Multi-Use Baby Products

When you buy something for your baby, make sure it works twice.

You’ll stretch every dollar and cut your costs in half.

Look for:

• Convertible cribs that turn into toddler beds.
  
• High chairs that transition into booster seats.
  
• Diaper bags that double as travel totes or backpacks.
  

👉 Here's How You'll Do It: Before buying anything, ask yourself, “Will I still use this six months from now?”

Make It Easy: Consider a convertible 4-in-1 crib that grows with your child for years.

4. Compare Hospital Costs Before Delivery

Hospital bills can vary a lot for the exact same services.

You could literally save hundreds just by comparing options.

You’ll want to:

• Call multiple hospitals to ask for estimated delivery costs.
  
• Check your insurance coverage to avoid surprise fees.
  
• Ask about payment plans if you’ll pay out-of-pocket for any services.
  

👉 Here's How You'll Do It: Contact your insurance provider and request a “maternity estimate” for the hospitals in your network.

Make It Easy: Get a budget planner notebook to track hospital and medical expenses in one place.

5. Start a Baby Fund Early and Automate Savings

The earlier you start saving, the easier it feels. Trust me, small amounts add up fast.

Even $10 a week makes a difference by the time the baby arrives.

Try setting up:

• Automatic transfers into a savings account just for baby expenses.
  
• Cashback cards or apps that help grow your fund passively.
  
• A weekly budget check-in so you stay on track stress-free.
  

👉 Here's How You'll Do It: Automate a small weekly transfer into your “Baby Fund” and forget about it until you need it.

Make It Easy: Open a Betterment Cash Reserve Account to automatically save for baby essentials and upcoming costs.

📌 SAVE IT FOR LATER! 📌