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	<title>Comments on: Financial Preparations For A Second Child</title>
	<atom:link href="http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: Bill</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32985</link>
		<dc:creator>Bill</dc:creator>
		<pubDate>Fri, 08 Jun 2007 12:33:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32985</guid>
		<description>Breastfeeding is cheap - people always asked my wife about bottles - her response was &quot;what&#039;s a bottle?&quot;

And before you put a small child to sleep in a regular bed be sure to put a waterproof mattress cover on it. :)</description>
		<content:encoded><![CDATA[<p>Breastfeeding is cheap &#8211; people always asked my wife about bottles &#8211; her response was &#8220;what&#8217;s a bottle?&#8221;</p>
<p>And before you put a small child to sleep in a regular bed be sure to put a waterproof mattress cover on it. :)</p>
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		<title>By: Amy K.</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32694</link>
		<dc:creator>Amy K.</dc:creator>
		<pubDate>Thu, 07 Jun 2007 16:43:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32694</guid>
		<description>I know you said you had a few daipers, but I thought I&#039;d toss out a diaper &quot;trial kit&quot; I found over the weekend:
http://www.cottonbabies.com/product_info.php?cPath=22&amp;products_id=148

The diapers are the folding kind like I had as a baby.  I&#039;ve also read rave reviews of the Mother-ease diapers that Farley mentioned.</description>
		<content:encoded><![CDATA[<p>I know you said you had a few daipers, but I thought I&#8217;d toss out a diaper &#8220;trial kit&#8221; I found over the weekend:<br />
<a href="http://www.cottonbabies.com/product_info.php?cPath=22&amp;products_id=148" rel="nofollow">http://www.cottonbabies.com/product_info.php?cPath=22&amp;products_id=148</a></p>
<p>The diapers are the folding kind like I had as a baby.  I&#8217;ve also read rave reviews of the Mother-ease diapers that Farley mentioned.</p>
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		<title>By: Q at $1 Million to My Name</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32673</link>
		<dc:creator>Q at $1 Million to My Name</dc:creator>
		<pubDate>Thu, 07 Jun 2007 14:03:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32673</guid>
		<description>#2 comes a week from tomorrow!  Wish me luck.</description>
		<content:encoded><![CDATA[<p>#2 comes a week from tomorrow!  Wish me luck.</p>
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		<title>By: Farley</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32666</link>
		<dc:creator>Farley</dc:creator>
		<pubDate>Thu, 07 Jun 2007 13:43:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32666</guid>
		<description>Cloth diapers are wonderful!  I was skeptical at first but my wife wanted to try them out and after a month I was convinced.  

Modern cloth diapers are very easy to use.  We use &quot;Mother Ease&quot; (http://www.mother-ease.com/).  They have simple snaps, are adjustable in size, and clean up well.

A few tips

1. Use disposables at night.  Cloth doesn&#039;t do well to multiple pees. :)  A disposable will let the child (and you) sleep for longer stretches.

2. Buy used cloth diapers on Ebay.  A through washing will clean them and most sellers have done a great job of cleaning them up.  You can save a ton of money and you can sell them when you are done!

3. Buy a diaper sprayer (http://baby-belle-bottoms.stores.yahoo.net/diapersprayer.html).  It makes spraying the poopy diapers a breeze.  Toilet water is cold and it is no fun sticking your hands in it.  The sprayer makes it simple - and it is quite high pressure actually so it does a better job of rinsing the poop off than you could do by hand anyway.  Seriously it will be the thing that makes cloth diapers workable.   


If you follow these three things I think you will find cloth diapers not only cheaper, but easier than disposables (I find the disposables have a hard time keeping big poops inside the diaper).  


Good luck and congradulations!</description>
		<content:encoded><![CDATA[<p>Cloth diapers are wonderful!  I was skeptical at first but my wife wanted to try them out and after a month I was convinced.  </p>
<p>Modern cloth diapers are very easy to use.  We use &#8220;Mother Ease&#8221; (<a href="http://www.mother-ease.com/)" rel="nofollow">http://www.mother-ease.com/)</a>.  They have simple snaps, are adjustable in size, and clean up well.</p>
<p>A few tips</p>
<p>1. Use disposables at night.  Cloth doesn&#8217;t do well to multiple pees. :)  A disposable will let the child (and you) sleep for longer stretches.</p>
<p>2. Buy used cloth diapers on Ebay.  A through washing will clean them and most sellers have done a great job of cleaning them up.  You can save a ton of money and you can sell them when you are done!</p>
<p>3. Buy a diaper sprayer (<a href="http://baby-belle-bottoms.stores.yahoo.net/diapersprayer.html)" rel="nofollow">http://baby-belle-bottoms.stores.yahoo.net/diapersprayer.html)</a>.  It makes spraying the poopy diapers a breeze.  Toilet water is cold and it is no fun sticking your hands in it.  The sprayer makes it simple &#8211; and it is quite high pressure actually so it does a better job of rinsing the poop off than you could do by hand anyway.  Seriously it will be the thing that makes cloth diapers workable.   </p>
<p>If you follow these three things I think you will find cloth diapers not only cheaper, but easier than disposables (I find the disposables have a hard time keeping big poops inside the diaper).  </p>
<p>Good luck and congradulations!</p>
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		<title>By: Art Dinkin</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32568</link>
		<dc:creator>Art Dinkin</dc:creator>
		<pubDate>Thu, 07 Jun 2007 03:35:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32568</guid>
		<description>Congrats Trent! We just had #2 (a girl) in January. #1 (a boy) was 23 months when she was born, so I am just a few months ahead of you! 

We did the big boy bed very similar to how you are doing it. Only we started about a month before #2 was born. That way there was no attachment left when she took over &quot;his&quot; crib. In fact, she even took his old room and he got a new big boy room (the nursey is gender neutral and his room is now very much a boy&#039;s room). But you are correct, you will use the bassinet for a while anyway. It worked great for us. Keep in mind that each kid is different.

And the financial impact has not been too great for us. The only unanticipated increase for us has been in health care costs. We pay per person for insurance and then had some bad luck health wise so we have almost maxed out family out of pocket. More impact than the financial has been the time management. With baby #1 you ask &quot;What do I do?&quot; With baby #2 you know what to do but you have to juggle the task with a two year old demanding your attention!

I am very happy for you. Congrats again.</description>
		<content:encoded><![CDATA[<p>Congrats Trent! We just had #2 (a girl) in January. #1 (a boy) was 23 months when she was born, so I am just a few months ahead of you! </p>
<p>We did the big boy bed very similar to how you are doing it. Only we started about a month before #2 was born. That way there was no attachment left when she took over &#8220;his&#8221; crib. In fact, she even took his old room and he got a new big boy room (the nursey is gender neutral and his room is now very much a boy&#8217;s room). But you are correct, you will use the bassinet for a while anyway. It worked great for us. Keep in mind that each kid is different.</p>
<p>And the financial impact has not been too great for us. The only unanticipated increase for us has been in health care costs. We pay per person for insurance and then had some bad luck health wise so we have almost maxed out family out of pocket. More impact than the financial has been the time management. With baby #1 you ask &#8220;What do I do?&#8221; With baby #2 you know what to do but you have to juggle the task with a two year old demanding your attention!</p>
<p>I am very happy for you. Congrats again.</p>
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		<title>By: Rebecca</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32556</link>
		<dc:creator>Rebecca</dc:creator>
		<pubDate>Thu, 07 Jun 2007 02:29:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32556</guid>
		<description>I&#039;m curious as to why you have the two children sharing a room. I kind of thought that there would be nursery for the new baby in the new house. At what point do you see them going into different rooms?

Congratulations again on all the good stuff, new baby and new house!</description>
		<content:encoded><![CDATA[<p>I&#8217;m curious as to why you have the two children sharing a room. I kind of thought that there would be nursery for the new baby in the new house. At what point do you see them going into different rooms?</p>
<p>Congratulations again on all the good stuff, new baby and new house!</p>
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		<title>By: The Digerati Life</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32528</link>
		<dc:creator>The Digerati Life</dc:creator>
		<pubDate>Thu, 07 Jun 2007 00:26:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32528</guid>
		<description>Trent -- what great changes in your life. I remember when similar things were happening to us 7 years ago.  It&#039;s great to be entering this chapter in your life in the state you are in, with the added benefit of having control over your time.  I look forward to hearing more about your life changes as they happen.</description>
		<content:encoded><![CDATA[<p>Trent &#8212; what great changes in your life. I remember when similar things were happening to us 7 years ago.  It&#8217;s great to be entering this chapter in your life in the state you are in, with the added benefit of having control over your time.  I look forward to hearing more about your life changes as they happen.</p>
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		<title>By: kim</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32516</link>
		<dc:creator>kim</dc:creator>
		<pubDate>Wed, 06 Jun 2007 23:45:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32516</guid>
		<description>I like your plan, but not the timing.  I would wait a bit longer, say 2-3 months to get him the big brother bed.  Children tend to regress for a bit right after the birth of a sibling. These regressive activities allow a child to reaffirm that he is still a baby too and deserving of the same love and attention as the new baby.  Any attempts to push a child into a new &quot;grown up&quot; role at such a sensitive time may send a message of replacement.   Make the change 3 months before the baby comes or three months after but definitely not at the same time.  What you may see as a graduation may feel like a displacement to a child who may be outwardly or inwardly feeling the need to defend his role as mommy&#039;s baby.  I have a degree in child pyschology and 3 kiddo&#039;s of my own, so I have a bit of experience in this area!</description>
		<content:encoded><![CDATA[<p>I like your plan, but not the timing.  I would wait a bit longer, say 2-3 months to get him the big brother bed.  Children tend to regress for a bit right after the birth of a sibling. These regressive activities allow a child to reaffirm that he is still a baby too and deserving of the same love and attention as the new baby.  Any attempts to push a child into a new &#8220;grown up&#8221; role at such a sensitive time may send a message of replacement.   Make the change 3 months before the baby comes or three months after but definitely not at the same time.  What you may see as a graduation may feel like a displacement to a child who may be outwardly or inwardly feeling the need to defend his role as mommy&#8217;s baby.  I have a degree in child pyschology and 3 kiddo&#8217;s of my own, so I have a bit of experience in this area!</p>
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		<title>By: Ted Valentine</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32484</link>
		<dc:creator>Ted Valentine</dc:creator>
		<pubDate>Wed, 06 Jun 2007 21:32:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32484</guid>
		<description>Not really. Wife tells me she does get thirsty and drinks a lot more water.</description>
		<content:encoded><![CDATA[<p>Not really. Wife tells me she does get thirsty and drinks a lot more water.</p>
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		<title>By: Deena</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32466</link>
		<dc:creator>Deena</dc:creator>
		<pubDate>Wed, 06 Jun 2007 20:41:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32466</guid>
		<description>Coming from a breastfeeding mother...I don&#039;t think I ate very differently when I was breastfeeding. Both my babies were entirely breastfed and in the 95th percentile for weight. I think if any difference in cost, we&#039;re talking pennies.</description>
		<content:encoded><![CDATA[<p>Coming from a breastfeeding mother&#8230;I don&#8217;t think I ate very differently when I was breastfeeding. Both my babies were entirely breastfed and in the 95th percentile for weight. I think if any difference in cost, we&#8217;re talking pennies.</p>
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		<title>By: Elaine</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32462</link>
		<dc:creator>Elaine</dc:creator>
		<pubDate>Wed, 06 Jun 2007 20:22:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32462</guid>
		<description>Congratulations!

My mom washed our cloth diapers by hand, no joke.  In the toilet bowl.  She did them in the washer too after that, but still.  For people without washers &amp; dryers though, you can get delivery service cloth diapers. 

And I&#039;m not suggesting this, just a little anecdote... when my grandparents had their first child, they were too poor for a crib, and Aunt Carol spent the first year of her life sleeping in a dresser drawer.

Ted - breastfeeding isn&#039;t exactly free, you have to count the mother eating for two, yes?</description>
		<content:encoded><![CDATA[<p>Congratulations!</p>
<p>My mom washed our cloth diapers by hand, no joke.  In the toilet bowl.  She did them in the washer too after that, but still.  For people without washers &amp; dryers though, you can get delivery service cloth diapers. </p>
<p>And I&#8217;m not suggesting this, just a little anecdote&#8230; when my grandparents had their first child, they were too poor for a crib, and Aunt Carol spent the first year of her life sleeping in a dresser drawer.</p>
<p>Ted &#8211; breastfeeding isn&#8217;t exactly free, you have to count the mother eating for two, yes?</p>
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		<title>By: Moneymonk</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32460</link>
		<dc:creator>Moneymonk</dc:creator>
		<pubDate>Wed, 06 Jun 2007 20:20:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32460</guid>
		<description>Wow! I must say that you are very prepared with this baby. I admire that you are well organized</description>
		<content:encoded><![CDATA[<p>Wow! I must say that you are very prepared with this baby. I admire that you are well organized</p>
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		<title>By: Ted Valentine</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32435</link>
		<dc:creator>Ted Valentine</dc:creator>
		<pubDate>Wed, 06 Jun 2007 19:19:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32435</guid>
		<description>Congrats!

The big boy bed thing worked for us with #1 when we had #2.  When #3 came, #2 wasn&#039;t ready.  We&#039;re keeping him on lock down in his crib as long as we can.  And by as long as we can, I mean until he figures out he can climb out.  We just went garage sale-ing for crib No. 2.

I&#039;m surprised you didn&#039;t mention food cost increases.  Is your wife breastfeeding &amp; pumping?  Or are you doing formula?  Formula, at $30 a big can, has to be the biggest racket of all time. We&#039;ve done both (#1 was adopted) and breastfeeding is truly the only free lunch out there.</description>
		<content:encoded><![CDATA[<p>Congrats!</p>
<p>The big boy bed thing worked for us with #1 when we had #2.  When #3 came, #2 wasn&#8217;t ready.  We&#8217;re keeping him on lock down in his crib as long as we can.  And by as long as we can, I mean until he figures out he can climb out.  We just went garage sale-ing for crib No. 2.</p>
<p>I&#8217;m surprised you didn&#8217;t mention food cost increases.  Is your wife breastfeeding &amp; pumping?  Or are you doing formula?  Formula, at $30 a big can, has to be the biggest racket of all time. We&#8217;ve done both (#1 was adopted) and breastfeeding is truly the only free lunch out there.</p>
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		<title>By: FamilyFinanceBlog</title>
		<link>http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/comment-page-1/#comment-32434</link>
		<dc:creator>FamilyFinanceBlog</dc:creator>
		<pubDate>Wed, 06 Jun 2007 19:08:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/06/06/financial-preparations-for-a-second-child/#comment-32434</guid>
		<description>Congratulations on the baby! My wife and I are expecting at the end of August. This will be our first, so we&#039;ll be going through all of those first baby expenses you were talking about.

I liked the idea of giving the big brother the &quot;big brother&quot; bed and how that works as a transition. I&#039;ll have to remember that in a couple of years when (if) we&#039;re expecting our second.</description>
		<content:encoded><![CDATA[<p>Congratulations on the baby! My wife and I are expecting at the end of August. This will be our first, so we&#8217;ll be going through all of those first baby expenses you were talking about.</p>
<p>I liked the idea of giving the big brother the &#8220;big brother&#8221; bed and how that works as a transition. I&#8217;ll have to remember that in a couple of years when (if) we&#8217;re expecting our second.</p>
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