đź’° Financial Wellness In Pregnancy

10 Smart Money Moves to Make While Pregnant

Author

Naomi Knight
April 30, 2025

In partnership with

Hey there, Mama-to-Be đź’•

Pregnancy isn't just about baby names, ultrasounds, and cravings (although, yes to gummies and peanut butter toast 🍞). It's also a powerful time to start thinking about your financial future.

Because ya know—babies are magical, but they’re not cheap. And the next two years? They’ll be full of growth, learning, surprises… and expenses.

So today, for Wellness Wednesday, we’re focusing on financial wellness—with 10 things you can do right now to prepare, save, and thrive during pregnancy and beyond.

Because when I feel better about my finances I have wayyyy lower anxiety.

🌟 1. Create Your Baby Budget

Start simple. Map out expected costs: prenatal care, maternity leave, baby gear, diapers, and daycare. Use a spreadsheet or budgeting app—whatever feels easiest—and get clear on what’s coming.

🌟 2. Open a Baby Fund

A separate savings account just for baby-related costs? YES. Set it up and automate transfers, even if it’s $20/week. You’ll be shocked how fast it grows when you don’t touch it for anything else.

🌟 3. Declutter & Sell

Nesting mode? Use that energy to declutter and sell what you don’t use. Furniture, gadgets, clothes—turn them into cash for your baby fund. (Hello, stroller money.)

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🌟 4. Find a Flexible Side Hustle

Need to pad your income before maternity leave? Look for low-lift, home-based gigs like:

  • Freelance writing or design

  • Virtual assistance

  • Voice-over work

  • Selling digital products on Etsy

It adds up—and it keeps you in control.

🌟 5. Make a Maternity Leave Plan

If your leave is unpaid (or only partly paid), now’s the time to plan. Calculate what you’ll need, figure out the gap, and build a cushion to avoid scrambling later.

🌟 6. Tap Into Free Resources

Don’t sleep on the freebies:

  • Amazon & Target baby boxes

  • Formula samples

  • Local nonprofit grants or community baby closets

  • WIC and Medicaid if you qualify

No shame—this is about support, not struggle.

🌟 7. Meal Prep for Postpartum

Start freezing meals now. It’ll save your sanity and your wallet when life gets wild. Bonus: meal planning helps reduce grocery waste and impulse buys.

🌟 8. Set Your 1- & 2-Year Goals

What do you want for your new family? Whether it's debt-free living, staying home with baby, or saving for childcare—write it down and create small steps to get there.

🌟 9. Cancel Unused Subscriptions

Audit your bank statement for sneaky charges. Cancel apps, memberships, and services you don’t truly need right now. That’s extra diaper money right there.

🌟 10. Build Your Village

This journey is not meant to be solo. Start asking for what you need—hand-me-downs, babysitting, meal trains, diaper funds instead of baby gifts.

đź’ˇ Create a registry that reflects real needs, including things like postpartum care and support services.

Mama, you are not just preparing for birth—you’re building a whole new life.
And taking charge of your money now means more freedom, peace, and possibility down the line.

You’ve got this. And I’ve got you. 💛

With love and encouragement,
Naomi