i read several baby and parenting books, but i never see any single phrase about 'financial' (or, do i need to read more books?) unless in books that really talk about financial planning. for us, financial plan is something crucial when having a baby, and need to be prepared before he is born. having baby is something exciting. even before the baby is born, people already congratulates the dads & moms to be. and even more after the birth.
it's time for us to get out pen & paper to jot down the budget we'll use once we bring you home. the expenses that will occur every weekly and monthly, as addition to our regular car, house, astro, phone, stremyx, etc. payment; for diapers, clothes, nursing wear (it's mine!), etc.
(maybe that time you'd ask for 'em).. and we did some calculation on disposable diapers available in market. i think we'll try the cheapest one first. and i'm start thinking about using cloth diapers je...
akikah. and your flight ticket. huhu. oh yes, and your travel cost to visit our families at jerantut, KL & Johor. since we're not gonna be in Semenanjung regularly, we think it's fair if you go to visit your Mbah's and Mbah Buyuts before we bring you back to Miri.
and once we are in Miri, we have to start paying for your child care. a personal nanny might rates higher than a care centre. however, we prefer a personal one. oh, no! we still can't find anybody who is willing to babysit you! i hope bb can help on this... ;p
that's only a 3-4 years plan. for long term.. fuh... exhausting. we have to consider if no more scholarship for higher education given in the next 18 years. today's high educational fee is already a bombard, in next 18 years? phew~ and we have to consider also for the second, third, forth, fifth,.. eleventh :P
however, i'm sure after after you're born, it isn't as hard as we thought. we'll actually can save a lot.
1. we're so lucky that our company covers your healthcare including major/minor illness and regular check-up :D...so terukla these parents!
2. having you will give us tax exemption :D
3. we won't go out as often for dinner and a movie :D
4. we won't go for honeymoon anymore (hwaaa... i haven't gone for any!)
5. we don't have to go out to fill our time & avoid boredom :D
6. maybe, don't have to fly back to Semenanjung with own expenses often. excuse: traveling with baby is leceh :D
7. maybe, more bonuses next year...? oh...mimpi sajalah.
look like we're thinking about money quite a lot, huh. hmm, whatever people may think, for us, even if there's so called rezeki anak but if we don't have proper plan & management, it may be goes into tokei supermarket's pockets for something unnecessary rather than into what you really need for your present and future.