Healthy living

Money, budgets and saving when you have a new baby

Do you have a budget?

The best way to manage your finances is with a budget. It’s not very exciting, but it will help you see where your money is going and how you might be able to cut back. There are plenty of templates on the internet. Start with a Google search for ‘simple budget’.

Ways to save

Shopping and entertainment

  • Scan junk mail for specials and vouchers.
  • Always make a shopping list.
  • Shop online for second hand items.
  • Buy non-perishable items in bulk.
  • Buy generic brand medications.
  • Cancel subscriptions to things like pay TV or magazines.
  • Check out your local library for DVDs, music and books instead of buying or hiring them.

Eating and drinking

  • Don’t buy coffee – make it at home or at work.
  • Don’t buy bottled water – invest in a filter on your home tap and take a bottle with you.
  • Bring lunch from home instead of buying it.


  • Find out if your bank charges fees for not using their ATM.
  • Make the switch from credit card to debit card.
  • Keep an eye on your bank balances – avoid paying overdraft fees.

Home and car

  • Turn off appliances at the power point – standby electricity adds up.
  • Check the cheapest fuel online before buying petrol.
  • Have a regular car service to avoid most major problems (and related expenses).

Getting extra money

  • Try selling old clothes, furniture or appliances online or host a garage sale.
  • Look at Centrelink’s website (external site) to check your eligibility for things like the baby bonus, parental leave pay and child care rebates.

This is general information only. For professional advice, consult a financial advisor.


Women and Newborns Health Service

This publication is provided for education and information purposes only. It is not a substitute for professional advice. Information about a service, product or treatment does not imply endorsement and is not intended to replace professional advice. Readers should note that over time currency and completeness of the information may change. All users should seek advice from a qualified professional for answers to their questions.

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