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Following Some Simple Tips Can Make Starting a Family Less Financially Stressful

Citi ConsumerFeature


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STARTING A FAMILY IS A LIFELONG-DREAM FOR MANY--BRINGING THE JOYS OF PARENTHOOD, AS WELL AS SIGNIFICANT FINANCIAL-RESPONSIBILITY.  A RECENT CITIBANK-SPONSORED BABYCENTER-REPORT FINDS THAT OVER 60-PERCENT OF MOMS WORRY ABOUT HAVING ENOUGH MONEY TO RAISE THEIR KIDS.  TO HELP FAMILIES PUT TOGETHER A FINANCIAL-PLAN, CITIBANK'S "WOMEN AND COMPANY" OFFERS THESE TIPS:  FIRST, REFINE YOUR BUDGET FOR ESSENTIALS, SUCH AS DIAPERS, FORMULA, CHILDCARE, AND MEDICAL-EXPENSES--AS WELL AS BIG-TICKET ITEMS, LIKE BABY-PROOFING YOUR HOME, OR BUYING A BABY-SAFE CAR.  ALSO, REALIGN YOUR SAVINGS-GOALS, TO INCLUDE EDUCATION-COSTS.  BEYOND THAT, EVALUATE YOUR CHILDCARE-OPTIONS--AND TAKE ADVANTAGE OF GOVERNMENT-PROGRAMS THAT EASE THE FINANCIAL-BURDENS OF PARENTHOOD, LIKE THE "DEPENDENT CARE TAX CREDIT".  IN ADDITION, REVIEW YOUR EXISTING HEALTH-INSURANCE, SO IT COVERS ALL YOUR FAMILY'S NEEDS.  FINALLY, CHECK YOUR FAMILY'S WILLS--AND MEDICAL- AND RETIREMENT-PLANS--TO ACCOUNT FOR ADDITIONAL FAMILY-MEMBERS.  TO LEARN MORE, VISIT "WOMEN-AND-CO"-DOT-COM.


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