There are some doctors and hospitals that will make payment arrangements.

I am kinda in the same boat. We will barely make it by, but we will. The fact that she is not that far along gives them extra time to prepare.

1. Save money. Every Penny that you can...put it away for when the baby comes.
She will be home from work with the baby and this will put extra financial strain on her husband.

2. Pay off as much debt as you can before the baby comes. That way they can focus on just living expenses instead of old hospital bills and credit cards.

3. Work overtime if you can...now this may be too stressful on her but its a good way to earn extra money that could be used for baby stuff, debt, or savings

Oh and tell them to not be afraid to ask for help. Talk to family and friends that have had kids and see if they have things that they dont need anymore like swings and bassinetts and small baby toys. We have gotten our crib, changing station, bathtub, and swing this way. The same goes for baby clothes. The baby will grow so fast that you can use used clothing and spend your money on diapers and formula.


These are steps that my hubby and I have taken. Its been hard and I know we arent as prepared as I would like, but this plan has really helped us.

I posted this msg thinking I'd be lucky to get a reply,but was pleased to see the responses that I rec'd.Thank you soo much for taking the time to reply!!!You've been very helpful!I'll pass the info along to my friend.Thanks again!