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Becoming a parent is one of the most exciting parts of life. Theres no better feeling than bringing a new life into the world. But, with a child comes years of high expenses. From food to daycare to health care, the cost of raising a healthy child is ever-increasing. Looking to keep your child healthy while on a budget? Its possible!
Keep reading for 6 tips that will promote family health without breaking the bank.
1. Set a Budget
The first step towards staying within the confines of your budget is to know exactly what your budget is. Take time to determine your monthly income along with bills, savings, and other expenses. By setting a budget, you can set goals as to how much money you can spend on certain costs, such as food, entertainment, and clothing for your child.
When creating your budget, dont neglect saving. While you may have $500 of money left over after expenses, you dont want to spend it blindly. Instead, make a smart financial decision and set some of that money aside in an emergency fund. This way you can cover costs even if you lose your job or become ill and unable to work.
2. Get Insurance Coverage
Children have a way of getting sick or injuring themselves at the most inopportune times. Since the cost of doctor's visits can quickly add up, take the time to pinpoint an insurance plan that meets your family's needs. Look into a variety of plans including the coverage they offer as well as deductible and premium costs. You may want to discuss your familys health care needs with an insurer to find the most suitable plan.
When choosing health care providers, be sure you choose in-network options, otherwise you risk having to pay out of pocket.
3. Buy In-Season
One of the most important parts of keeping your children healthy is to provide them a wholesome diet. A high quality diet should consist of fruits, vegetables, whole grains, lean proteins, and healthy fats. But, we all know that buying healthy food can be quite expensive. Fresh produce and healthy proteins often have the highest price tags. But, to save money while staying within the confinements of your budget, be sure to buy in-season. When produce is in-season, its usually much more affordable.
In the winter, fruits such as bananas, grapefruit, oranges, pears, and pineapple are in season. Brussels sprouts, kale, winter squash, and sweet potatoes are also in season. During the summer, be sure to purchase bell peppers, blueberries, blackberries, cherries, corn, green beans, and mangos. It's also useful to know which produce is available year-round, including apples, cabbage, turnips, and celery.
4. Save Money on Medications
Medications, especially if your child has a chronic illness, can be extremely expensive. Thankfully there are ways to save money on prescription drugs. Youll want to first talk with your doctor about switching to generic. Generic drugs use the same active ingredient and are just as effective as name-brand options. Another money saving tip is to shop around. Different retailers offer different prices on certain medications.
Shop around for the most inexpensive option in your area. Aside from retail stores and pharmacies, you can also fill prescriptions online. Online pharmacies are well-known for their discount prescriptions. Filling your medications via the web not only saves you money, it also saves you time and is much more convenient.
5. Spend Time Outdoors
One of the best parts of spending time outside is that it's free! There's no cost to playing tag, swimming, or helping to plant a garden. Spending time outdoors offers all sorts of benefits including increased exposure to vitamin D, improved concentration, increased happiness, and quicker healing. Encouraging your kids to go outside also keeps them off of their phones and smart devices. The more time your children spend outside, the better. Theres nothing like fresh air and sunshine!
6. Practice Preventive Health
While no one likes going to the doctor, especially children, its important to stick to a routine schedule for checkups, screenings, and immunizations. Routine trips to the doctor can ensure that your child is overall healthy, growing, and meeting age milestones. A visit to the doctor can also help to spot any underlying health conditions that may become bigger issues over time. With the right preventive health practices, you can keep your children healthy and happy. As an added benefit, taking more trips to the doctor will make the experience much less fear and anxiety-inducing for your child.
Conclusion
Taking care of children is expensive. But, like anything in life, there are ways to save money without cutting corners. Keep these 6 tips in mind to keep your child healthy without sending your budget overboard.
