Financial Untuk Ada Anak

Husband: net 6k (bayar loan rumah, kereta, utilities, barang dapur, medical card family, hibah, nafkah wife, personal needs, saving etc) Wife: net 3k (bayar loan kereta, pengasuh RM500 area bandar, netflix, unifi, insurance, personal needs, saving diri sendiri & baby) Barang baby wajib: (beli setiap 2 3 months sbb kerap guna) Pampers, perkakasan mandi & minyak2, baby detergent- husband beli around rm300 Barang baby dll: (Beli bila perlu as keperluan dia yg semakin membesar - 4 to 6 months sekali) Pakaian, mainan stimulation & teething, perkakasan makan etc - wife & husband beli gilir2 Anak fully bf so selama setahun lebih takda spend duit for fm. But cost peralatan pump susu yg wife bayar (beli time 36weeks pregnant): -wearable breastpump rm300 & spare breastpump preloved item rm100 -3 cooler bags for rumah pengasuh, bawa office & spare rm200 (free icepax/ice gel) -6 botol susu 4oz (tukar setiap 6months), storage milk, nursing butter, nursing bra rm150 -sterilizer 100 -milk warmer tak beli sbb train anak minum susu sejuk -breastpump berfungsi dgn sangat elok so only service motor pump time dah wean off sebelum packing utk kegunaan next baby Perkakasan baby yg beli sekali & guna for long term/diturunkan kpd adik2 baby - husband beli: -buai elektrik rm300 (tak beli ada yg bagi) -baby coat rm100 -carseat 300 (beli 2 for both kereta husband & wife tp wife dpt claim subsidi MYCRS dulu) -food processor rm100 -stroller rm500 -ampaian baju baby, tub & stand net rm50 In the end, depends on our financial situations. If direzekikan lebih, boleh beli more. If nk save budget, boleh cut apa yg patut cos apa yg i mentioned above tak semuanya ‘needs’, some of them are ‘wants’ 😊 Another ‘wants’ for keselesaan purposes: -bersalin swasta 5k including monthly check ups (husband bayar cos husband kata if mampu wajib ikhtiar bersalin dgn gynae perempuan since gov gynae random pick) -hire cl 30days 5k (wife bayar) -baby monthly check ups swasta until 2yrs (vaccination & paed consultation) not more than rm500/month (husband bayar)