Monday, April 21

The Little B Money Tracker $$$

Having a baby is probably one of the most amazing thing that can happen to parents but can also be financially draining at the same time. And yes! The announcement of the coming of our Little B can finally be made as it is now more than 3 months since conception! (It is considered bad luck to announce within the first trimester.)

Therefore i am taking this step to track how much it would actually cost to be a parent these days.
(This list does not include gifts and presents which we received, would be receiving or pass downs from colleagues, friends, relatives and family. I can't put a price tag on all such gifts as they are all a token of love. Therefore a heartfelt thanks to all of you.) 

Special thanks to;
Evon my sister for providing us the baby cot, play pan, baby mattress, milk bottles and other accessories.
Janet, Yan yan and Meixin for providing us tons and tons of pre-loved baby clothes.
Rykiel for providing us some maternity wear. 

Money spent on Little B since conception;

$16.00         Feb 2014  Pregnancy tests at polyclinic                
$85.00         Feb 2014  Baby scan at NUH                     
$6.00           Mar 2014  First piece of clothing for baby                        
$244.00       Mar 2014  Baby scan (10 weeks)                         
$31.00         Mar 2014  Milk powder                               
$25.00         Apr 2014  Bio Oil (stretch mark prevention)        
$9.00           Apr 2014  Bra strap extenders                              
$177.00       Apr 2014  Baby Scan / blood tests(15 weeks)    
$900.00       Apr 2014  Delivery package (12 gynae visits)
$29.00         Apr 2014  Towels / Napkins / Bed sheets
$15.90         May 2014 Book of recipe for maternity month
$57.00         May 2014 Maternity pants x3
$9.00           May 2014 Top and shorts for Little B x3 (sale item leh)
$8.70           May 2014 Lactus - Constipation relief
$163.70       May 2014 Detailed Ultrasound Scan for baby body measurements
$74.00         May 2014 Medication / Supplements (Baby Checkup @ 18 weeks)
$25.00         May 2014 Bio Oil x2
$6.00           May 2014 Changing Mat
$9.50           May 2014 Cot Sheets 
$7.90           June 2014 Fan for stroller
$21.00         June 2014 Maternity Dress
$4.00           June 2014 Clip-ons for stroller
$21.40         June 2014 Iron-ons for baby bibs
$595.00       July 2014 prenatal insurance 
$1200.00     July 2014 savings plan insurance 1st year
$50.00         July 2014 good as new baby stroller (heavily discounted, U.P $300) - thanks Aliza 
$59.40         July 2014 Medela milk bottles x6 (price after trade in)
$10.00         July 2014 Nursing Bra
$74.00         July 2014 Medicine & Supplements (Baby Checkup @ 27 weeks) 
$90.00         Aug 2014 Tonic and Herbs
$55.00         Aug 2014 Medicine & Supplements (Baby Checkup @ 31 weeks) 
$24.00         Aug 2014 Maternity dress and Top
$199.25       Aug 2014 Accu Check Test Kit for Glucose Level
$120.00       Aug 2014 Maternity Photo Shoot
$75.80         Aug 2014 Wet wipes, shampoo, detergents
$10.00         Aug 2014 Liverpool Romper
$10.00         Aug 2014 Milk bottle stand for milk bottles
$15.00         Aug 2014 Breastmilk storage bags 
$8.00           Aug 2014 Spill free cup
$39.90         Aug 2014 Baby Carrier
$16.90         Sep 2014  Ginger Shampoo from Bodyshop
$2.30           Sep 2014  Container for Mittens and Booties
$50.00         Sep 2014  Infection Test (Baby Checkup @ 36 weeks) 
$18.00         Sep 2014  Sauces and Herbs for Confinement meals 
$6.60           Sep 2014  Mittens and Booties 2 sets
$150.00       Sep 2014  Chinese Name from Visiber
$15.00         Sep 2014  CTG scan (Baby Checkup @ 37 weeks) 
$12.95         Sep 2014  Chicken Essence
$9.00           Sep 2014  Coconut (Every friday for 6 weeks) 
$5.90           Sep 2014  Pureen Baby Shampoo 
$42.00         Sep 2014  Birth certificate registration at Mount Alvernia
$3144.56     Oct 2014  Baby delivery plus hospital costs

TOTAL COST : $8,011.66

$1194.93   Bed Charges & Doctor's fees (Baby)   
$1949.63  Bed Charges & Doctor's fees (Mummy)
$3144.56   Total Hospital Charges
===> $2100.00 deductible from medisave. 
===> $1044.56 payment by cash

And Finally!!!! In the early hours of 30 September 2014. Chloe was born!!!
After months and months of eager anticipation and preparation, we finally got down to this very day!!! What an amazing journey it has been!!! The road ahead is definitely going to be more challenging in monetary terms but definitely one that will be filled with much love, joy and happiness and of course...sleepless nights. 

I will try to keep this money tracker list going on for as long as possible. But for now let's start with some real world costs; 

Real World Costs 

$4.50               Oct 2014  fever patch
$4.00               Oct 2014  nose cleaner
$120.00           Oct 2014  First checkup with Gynae after giving birth
$20.00             Oct 2014  pillow set with 2 bolsters
$10.00             Oct 2014  swaddle
$15.00             Oct 2014  romper pack of 5
$7.00               Oct 2014  syringe for milk
$18.00             Oct 2014  polyclinic for jaundice checkup 
$5.65               Oct 2014  Petpet newborn diapers

In Robert Kiyosaki's book, Rich Dad Poor Dad. Poor Dad says "The reason i am not rich is because i have your kids." Rich Dad says, "The reason i must be rich is because i have you kids." My goal is to be in line with Rich Dad's philosophy, and in order to achieve that, i am working on my aggressive savings plan along with investments in the financial markets.  


  1. Does ur expenses included confinement period? How much do u spend on confinement ?thanks

    1. Hi Babyjo, the expenses are only relating to conceiving and delivery costs. As for confinement, i was lucky to have my mother in law to take care of baby and my wife. Therefore confinement cost amounted to only around $1.5k.

  2. Hi, may i know u choose which type of room for the delivery at Mount Alvernia?

    1. Hi Daddy J, i believe you are asking about the choice of ward we stay after delivery? We opted for 2 bedded ward as shown in this photo .

    2. It will be interesting to note that maternity packages only commence from the day of surgery/delivery which means if mother is admitted into hospital at night and delivers after 12am, additional charges will be billed for the use of delivery room. (Eg. if you admitted to hospital around 11pm but baby delivered at 12.01am, it is equivalent to paying for 2 days fees. )

      We keep telling our baby while she was in tummy to come out after 12am. Haha she's a good girl and came out at 2.30am. :)