6 things to consider before starting a family

Cross off this list of to-dos and find out if you’re ready for the next big step in your relationship…

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While starting a family is often the next step to take as a recently married couple, it’s not a decision to be made on the whim — especially since once your bundle arrives, there’s a no return policy.

You’ll risk underestimating the costs and impact a baby has on your relationship if you don’t give come to your decision with careful thought or planning. The world is filled with uncertainty – jobs can be unstable and healthcare costs are high, so careful planning is essential! Check that you fulfil these requirements:

 

1) Decide if having a baby is what you both want

If you have recently just went through a big change in your life — for instance getting a new job, a new house or getting married — you may want to settle in first before you decide on trying to conceive

No doubt having a kid can draw the both of you closer as a couple, juggling too many things on your to-do list at once only increases the risk of conflicts between you and your spouse. It helps to start a “pre-baby” bucket list and fill it with activities to do with your partner before you both start to have a baby. Things like eating at a fancy restaurant or taking a ride on a death-defying theme park attraction can be difficult to do when you have a baby or toddler to care for.

 

While it’s not possible to set aside money for all your child care needs, reviewing your financial situation allows you to decide if you need any financial assistance.

 

It is also important to speak openly and honestly about your thoughts and motivations on choosing to have a child. If you don’t see eye-to-eye on this matter for whatever reason, you should hold off on making a decision. Nor should you be pressuring — or worse, resorting to emotional blackmail — to force each other to make a decision to have children when either party isn’t ready.

 

2) Take stock of your finances

Starting a family in Singapore isn’t cheap. Everything from preconception tests, to visits to your gynae during your pregnancy to delivery and labour and buying baby care necessities, the bills will pile up and so will the financial stress of providing for your family.

While it’s not possible to set aside money for all your child care needs, reviewing your financial situation allows you to decide if you need any financial assistance. Remember to factor in the cost of delivery in Singapore.

Having said that, be sure to check out the baby bonus website to learn which benefits apply to you. These may include:

* The Medisave Maternity Package which covers up to $900 for pre-delivery expenses such as pre-natal consultations, ultrasound scans and medication.

* The Medisave for Assisted Conception Procedures which covers up to $6,000 for the first cycle of in-vitro fertilisation (IVF) or intra-uterine insemination procedures.

* The Enhanced Baby Bonus Scheme which includes a cash gift of $8,000 for your first and second child and $10,000 for your third and fourth child and so on.