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How to Prepare For a Baby Financially




Congratulations, your first baby is on the way! This is an exciting time in your life. Along with the joy of welcoming your new arrival comes the opportunity to learn new skills and adjust your lifestyle to include everything from diaper-changing to feeding to keeping your little one safe. 


Luckily, you have time before your new addition arrives. Consider these tips and saving strategies that will help you prepare for your baby financially.

Budget for a baby

1. Think ahead to the big arrival

Before you start thinking about all the fun things you’ll need to help baby thrive, consider for the costs associated with your baby’s birth. If you haven't already done so, it may be wise to contact your healthcare provider to explore their coverage options for labor, delivery and possible out-of-pocket expenses you may incur. 


“Baby steps” to help manage your family’s finances: It may give you piece of mind to apply for a credit limit increase on your credit card in case any unexpected expenses are higher than anticipated.



2. Do your homework

Outfitting your new baby with the latest toys and clothing that are both safe and stylish requires some research, but can be overwhelming to budget for all the gadgets. 


“Baby steps” to help manage your family’s finances: Let friends and family know that an American Express Gift Card would be a welcome present. That way you can be selective in your purchases, ensuring you and your little one get exactly what’s on your wish list. 

Budget for your baby with Amex Gift Card
Estimate your budget

3. Make your everyday baby spending work for you.

Estimating what your spending budget will look like once baby arrives will help you spend wisely as your family grows. Compare the costs of one-off purchases vs. recurring purchases like diapers, baby formula, and baby wipes via online retail sites. 


“Baby steps” to help manage your family’s finances: Consider an

American Express® Card that is eligible for the Membership Rewards® program* for big-ticket nursery purchases, which can allow you to earn points on purchases that you can redeem for a variety of rewards offered in the program. 

4. Enjoy life’s little pleasures


Caring for a newborn takes time and energy, so try to find time for some non-baby-related pleasures. Many expectant mothers choose to enjoy a little pampering in the last few weeks of pregnancy, such as a spa visit or a relaxing trip to the nail salon.


“Baby steps” to help manage your family’s finances: Treating yourself can be all the more stress-free when you use Membership Rewards points* to cover purchases charged to your eligible American Express Card.

Enjoy some non baby pleasures using rewards points

Explore the American Express Cards eligible for the Membership Rewards® Program, so you can really enjoy this special time with your new family.

How the Membership Rewards® program can lead the way to rest & relaxation


Learn how Membership Rewards points can give you that short break you've been longing for.

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Before Traveling



Aside from packing your bags and creating an itinerary, don't forget about creating a financial game plan.

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Put Your Stamp on

Your New Home

(Without Breaking the Bank)


Here are some strategies to keep your decor spending in check, while still making your new home your own.

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*Terms and Conditions for the Membership Rewards® program apply. Visit for more information. Participating partners and available rewards are subject to change without notice.    


The value of Membership Rewards points varies according to how you choose to use them.  To learn more, go to