How to bring down the cost of bringing up baby

Moms Randi Zuckerwise Madrid and Danielle Klein of New York City created their own music class for babies. Participants pay $20 for eight sessions to cover the cost of tambourines, bells and shakers. Klein and Madrid download music to an iPod. Music classes in the area can run about $300 per session. Most providers prorate their fees according to the number of children they are watching.

If you have boys, purchase electric hair clippers and cut their hair yourself, Harris said. Make sure the haircut kit comes with good scissors, clippers, a comb, oil, and length and blending guides. The savings is $120 a year. good, too, because you can adjust the texture, she said. also healthier and definitely cheaper. Madrid uses the remaining appley water after steaming and pureeing apples for juice. It cheap and has less sugar than regular juice.

It a time investment (all that laundering) and an initial monetary investment (you have to purchase the cloth diapers), but it can save you money in the long run, Ward said. Make it a point of pride rather than embarrassment to spend only what you can afford, she said.

Enlist the help of a relative to help with childcare duties, Marcelo said. should still plan to pay a fee, but it can be much less when a family member is willing and able to help out, she said.

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