How to Save Money on Maternity Items

Welcoming a baby is an exciting, and often expensive, life milestone. One area that can quietly add up is maternity clothing. Because changes take place quickly and pieces may be worn for only a short period of time, it can feel difficult to justify spending money on a temporary wardrobe. The good news? With a few thoughtful strategies – you can stay comfortable, confident, and financially mindful throughout your pregnancy.

Here are a few ways to save money on maternity clothes and other pregnancy essentials.

1. Start With What You Already Own

Before purchasing new maternity items, take inventory of your current wardrobe. Many non-maternity pieces can work beautifully during pregnancy – flowy tops, oversized sweaters, stretchy leggings, maxi dresses, and open cardigans. You may be surprised at how long you can make your existing wardrobe work with just a little creativity. Stretchy fabrics and layered looks can carry you through multiple trimesters without requiring a full wardrobe overhaul.

2. Wait Before Buying Everything at Once

It can be tempting to shop right away, but your body will continue to change over several months. Instead of buying a large maternity wardrobe early on, consider waiting until you truly need specific pieces. This helps you avoid purchasing items that may not fit comfortably later and keeps you focused on essentials rather than impulse buys. Buying gradually allows you to better assess what you actually wear and need.

3. Explore Secondhand Options

One of the most effective ways to save is through gently used maternity clothes. Consider:

  • Local thrift or consignment stores
  • Online resale platforms
  • Neighborhood and community social media groups

Maternity clothes are often lightly worn, making secondhand options both affordable and practical. Many parents are often happy to pass along items they no longer need.

4. Say Yes to Hand-Me-Downs

Hand-me-downs aren’t just for baby clothes. Friends, family members, or coworkers who have recently been pregnant may still have maternity clothing stored away. Accepting these items can significantly reduce your expenses and you can always pay it forward when you’re finished with them. Some communities even create informal swaps among expecting parents.

5. Shop Sales and Clearance Strategically

If you do purchase new maternity clothes, timing matters. Look for:

  • Seasonal clearance sections
  • End-of-season sales
  • Outlet pricing
  • Promotional discounts

Focus on versatile basics such as one or two comfortable pairs of maternity leggings, a few tops, and a neutral dress that can be mixed and matched into multiple outfits. A small “capsule wardrobe” often works better than buying many single-use pieces.

6. Use Simple Tools to Extend What You Have

Small accessories can make a big difference. Waistband extenders, belly bands, and layering pieces can help your pre-pregnancy pants and tops last longer. These inexpensive items may allow you to delay purchasing maternity-specific clothing altogether.

7. Keep the Big Picture in Mind

Maternity clothing is temporary. While it’s important to feel comfortable during pregnancy, it’s equally important to prioritize long-term financial goals as you prepare for your growing family. Being intentional with maternity purchases frees up room in your budget for future needs – such as baby essentials, childcare planning, and building savings.

First Financial is Here to Help

Preparing for a new baby brings joy, along with new financial considerations. Saving on maternity items is one way to stay mindful of your budget as you prepare for this next chapter. At First Financial, we’re proud to support families during every life stage. Whether you’re looking to strengthen your savings, build an emergency fund, or create a financial plan for your growing household – our team is here to help you make confident, informed financial decisions.

Explore our savings options, budgeting tools, and resources or connect with a team member today to start planning for your family’s financial future. We’re happy to help!

*A First Financial membership is available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. Contact the Credit Union for more information.

How to Financially Prepare for a New Baby

A baby on the way is a very exciting time for any family. Whether you’re new parents or adding to your growing family, preparing for your new arrival can feel overwhelming. One of your biggest concerns is probably your finances. According to Parenting.com, the average middle class family will spend $12,000 on child-related expenses in the baby’s first year of life. That’s not a small chunk of change. So how do you prepare financially while trying to juggle all the new responsibilities that come with a new baby at the same time?

The earlier you start preparing, the better you’ll be able to set up for your baby’s future. Before your baby’s arrival, take a look at this checklist on easy things you can do to financially prepare now:

Redo Your Budget

With the arrival of your new bundle of joy, life as you know it will probably never be the same again. The same goes for your budget. It’s time to review and redo your budget, as baby expenses will now take up a large portion of your spending. Do your research and understand how much baby items really cost. From food to diapers, it’s probably more expensive than you think. You should also make a shopping list of everything you need once the baby arrives. Once you have an estimate, figure out how you can scale back your budget. Obvious areas to cut back on are entertainment and dining out (as new parents, you probably won’t have time for that anyway!).

Understand Your Health Insurance

One of the biggest costs to a new baby are medical costs. Not only does your baby need healthcare, which is especially crucial in his/her first year, but labor and delivery costs can be significant also. Well before your expected due date, take some time to understand your health insurance. Be sure to understand what is covered and what you will be paying for out-of-pocket. Also, once your child is born, make sure to add him/her to your own policy. Most health plans require you to do this within 30-60 days. Also consider choosing a pediatrician that is within your network to limit costs.

Shop Wisely for Baby Items

There are so many cute baby items on the market that you’ll probably want to spend a small fortune on. Try to prevent that from happening though. Yes, you’ll want to spoil your baby and that’s totally fine, but keep in mind that babies grow into toddlers very quickly. That also means they’ll grow out of those expensive clothes and toys you bought quickly, as well. There are a few items worth the cost, but learn to shop wisely for baby items and spend where it makes the most sense, like gear and food.

Plan for Childcare

Most companies in the United States offer new mothers 3 months of maternity leave and much less for dads. Eventually, you’ll have to go back to work and think about childcare. Having the help of grandparents or other friends and family will save you a ton, but if not – make sure to plan for childcare expenses financially and well ahead of time. You will also want to interview nannies or visit daycare centers to make sure you find the right fit for your family.

Start Thinking About College

Lastly, it’s never too early to start thinking about college. It may be 18 years away, but it’s also a huge expense so you want to start preparing for it now. You should start putting away money for your child’s education as soon as possible. Consider putting your money into a 529 college savings plan, where earnings will grow tax-free and won’t be taxed when taken out to pay for college.

Need help with a college savings plan? To set up a complimentary consultation with the Investment & Retirement Center located at First Financial Federal Credit Union to discuss your savings goals, email mary.laferriere@lpl.com or maureen.mcgreevy@lpl.com, or stop in to see us!*

Your finances will change drastically with a baby on the way, but you’ll be able to worry less and spend more quality time with your little one – with the right planning and preparing.

*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

Article Source: Connie Mei for moneyning.com