Money To Live

January 23, 2012

Buying airplane tickets for an infant

Filed under: babies,family finances,travel — by moneytolive @ 9:32 pm

R and I travel several times a year, primarily to visit my family and friends (his friends are all local, and his family is all overseas). R is tall, and neither of us is tiny, so airplane seats are not that comfortable. When we were expecting, I paid attention on flights. Could we fit into two seats with a baby? I decided that no, it just would not be comfortable.

We have our first two airplane trips planned for the spring — to visit my parents and to attend a wedding. Baby L will be about 5 and 6 months old for these trips, and we got him his own seat each time.

In order to be less annoyed at buying extra airplane tickets, I signed up for an Alaska Airlines credit card. Alaska has good flights/times/prices on our most frequent routes (San Fran, Las Vegas, Austin) and decent leg room, relative to other airlines. Based on our spending and their promotions, I expect we’ll get 2 tickets a year for $200 out of pocket (one reward ticket, one companion ticket, and we pay an annual fee and taxes).

Using those free/cheap tickets and traveling at off-peak times to visit my parents, we can lower our travel costs with a baby.

We’re planning a trip overseas to see R’s family later in the year, and it’s tougher to shell out close to $1k for a baby’s plane ticket than a few hundred for a domestic flight. We haven’t figured out a plan yet, but one possibility is that my mom will fly with us. We’ll have three adult seats, and we’ll take turns carrying L. I’ll let you know how that goes …

I’ve been gathering travel tips from other moms, and this is one of my favorites: If the baby screams on the airplane, buy drinks for the people nearby. Hopefully we won’t have any screaming, but if we do, I think I’ll buy a round.

January 11, 2012

How much does a home birth cost?

Filed under: babies,family finances,insurance — by moneytolive @ 8:24 pm

Apparently blogging will make me happier. Blogging about parenthood will help me stay connected and feel less lonely. I hope that applies for blogging about finances and family and baby!

My little guy is 11 weeks old, and I’m emerging from the newborn fog (sleep deprivation makes it hard to remember just how hard it is). Eleven short weeks ago, L was born at home, as planned.

So, how much does a home birth cost?

Our insurance covered all of the medical expenses, as they would have with a hospital birth, as well. I’m still getting insurance statements, and I’ll write about the total costs when I get all the statements. So far, the costs of a home birth look much lower than a hospital delivery.

We paid for several things out of pocket, totaling $1495.

  • At-home lactation consultation at 10 hours after birth: $150 (treated as out-of-network by our insurance company)
  • Tub rental $300 (includes set-up and clean-up, which is priceless)
  • Doula $800
  • Postpartum doula $245  (7 hours at $35/hour)

Each woman needs to decide for herself and her family where she will feel safest and most comfortable when having a baby.  For our family, a home birth worked. I felt comfortable in my own home, where I could move around and eat as I pleased (turns out I wasn’t too hungry during labor, though I sent my vegan husband to the store for a rotisserie chicken, which I did not eat a single bite of). After the birth, it was lovely to sleep in our own bed and not have to go anywhere for over a week.

The downside to a home birth, though, is that there was not a steady stream of nurses ready to help us with out new little baby. Instead, I had to call lactation consultants eight hours after L’s birth, and fortunately the second person I called was able to come right over. We had already lined up a postpartum doula who helped us with babywearing, soothing, and bathing.

Part of my comfort with a home birth was knowing that we are one mile away from a hospital. Under most circumstances, it would take 5-10 minutes for an ambulance to get to our house and take me/baby to the hospital. Fortunately that wasn’t needed, but the little baby did need resuscitation, and our midwife was within 30 seconds of calling 911 at one point.

Had we gone with a hospital delivery, our out-of-pocket expenses would have been lower – no tub rental, no out-of-network lactation consultant, and probably fewer hours of a postpartum doula. For me and my family, the expense was totally worth it.

October 16, 2011

Why no posts for so long?

Filed under: babies,family finances,insurance — by moneytolive @ 12:33 am

It’s been a crazy year. While I thought about the blog regularly and drafted a few posts, it had to take a back seat.

As my (financial) life has changed, so will the focus of this blog. A lot more emphasis on family finances because that’s where I’m at now. Over the past year, R and I have sorted out our joint finances, and while I’d like to say we’ve gotten better at talking about money, I’m not sure that’s true. I’ve learned all about home remodeling on a budget, health and car insurance, and how expensive babies are (a little one is due in two weeks).

Create a free website or blog at WordPress.com.