The New Parent Money Plan: Pregnancy-to-First-Year Budget Workbook + Auto-Calculating Spreadsheet
A baby changes your budget about nine months before it changes your sleep.And the internet's answer is either a 40-tab spreadsheet built for accountants, or a cute printable that says "diapers: $___" and leaves you to guess the number.The New Parent Money Plan is the middle path: a warm, genuinely useful money workbook structured around the actual journey — pregnancy → birth → leave → the first year — with real US cost data already inside.WHAT'S INSIDE (90+ pages · 40+ worksheets, trackers & calculators) 📋BEFORE BABY 🤰 • Baby-budget builder with realistic startup costs • Birth-cost estimator (what insured out-of-pocket actually looks like) • Insurance & employer-benefits audit, emergency-fund calculator, "money to-do before baby" master checklist • "Hopes & fears" pages — because money stress is rarely about mathTHE MATERNITY-LEAVE MODULE (the part nobody else does well) 🌸 • The Income-Gap Calculator: your leave weeks × your real pay coverage → the exact gap → a weekly savings target to close it before the due date • FMLA + state paid-leave explainer, leave timeline planner, partner's leave plan, return-to-work vs stay-home comparisonTHE FIRST YEAR, FOR REAL 👶 • Category trackers for gear, diapers, feeding, medical, clothing-by-size, subscriptions — every label editable, "other" rows everywhere • The childcare comparison tool: daycare vs nanny vs share vs family, with state benchmark data • 12 undated monthly budgets + a first-year dashboard that rolls everything upAND THE FUTURE 🔮 • Emergency-fund thermometer, 529 explainer + goal tracker, life-insurance & guardianship checklist, quarterly money reviewsTHREE FORMATS, ONE DOWNLOAD 💾 ✓ Printable PDF (US Letter + A4, color + printer-friendly) ✓ Fillable PDF (type directly into 564 form fields) ✓ Auto-calculating spreadsheet (Google Sheets + Excel) — the income gap, monthly totals and first-year rollup do the math for you 🧮Gift-able on purpose: warm, modern, not cutesy — a favorite baby-shower gift from the friend who has their life together 🎁——Organizational and educational planning tool — not financial, legal, tax, insurance, or investment advice 📌 Figures are national averages for illustration; verify your own costs, benefits, and eligibility with your HR department, insurer, and a qualified professional.
Get it → shankster603.gumroad.com