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做好孕期理财计划，等待宝宝降临！

发布日期：2024-09-15 12:42:35编辑：秩名


随着现代物质生活水平的提高，人们的育儿和消费观念不断更新，生孩子早已经不像过去那样简单，而孕育孩子的费用也比以前高出了许多。为了不让自己的宝宝落伍，准妈妈在孕期既要补充营养让宝宝健康，又要定期检查确保宝宝安全，还要学习胎教知识让宝宝聪明，样样都是需要花钱的地方。生育一个孩子需要大量的花费，只有做好孕期开支计划，才能让自己不慌乱，安心等待宝宝降临。总之，生孩子是人生的一件大事，不仅要心理上准备，经济上也要准备好。
 

1、列入孕期开支的项目

 
营养开支从准备怀孕开始，夫妻双方都要调节饮食，补充营养等。怀孕后准妈妈的饮食应比孕前更加丰富，需要服用孕妇奶粉以及叶酸、钙片等营养保健品，以满足准妈妈身体对营养的需要，保证胎儿的健康发育，这些开支都必不可少。
 
服装、保养品开支怀孕后准妈妈的体型逐渐肥大，以前的衣服不能穿，需要购置专门的孕妇装。为防止辐射，还需要购买专门的防辐射服。同时，以前可以用的化妆品、保养品之类都需要换成孕妇专用的，这些都应该列入孕期开支计划中。
 
胎教开支怀孕期间准妈妈应该准备一些指导孕产期保健的书籍，学习相关孕产知识，有条件的家庭还可以参加胎教学习班。同时，还应准备一些胎教音乐，胎教音乐对于促进准妈妈和胎儿的身心健康具有不可低估的作用。为了下一代能聪明健康，这些胎教开支计划也不可少。
 
产检分娩开支为了保证胎儿和准妈妈的安全，例行的产前检查是必须的，同时还应考虑到可能出现的意外情况，例如早产、胎盘前置等，需要多点预算以备不时之需。分娩时的住院费用及手术费用也应列入计划。
 
宝宝开支孕晚期就应给宝宝准备小床、衣物、玩具及洗浴、喂养用品等。这部分支出虽然较为零碎但总体开支并不少，需要提前做好规划。
 

2、准爸爸理财

 
越来越多的家庭在妻子怀孕后开始思考如何给即将出生的宝宝提供优越的生活保障。而且若妻子怀孕不能继续工作，家庭还将面对支出增加而收入降低的情况。在这样的背景下，制订一套适合自身的孕期家庭投资方案，未雨绸缪显得非常重要。
 
买一份母婴保险除了社会保险中的生育险外，还应该为怀孕的妻子投一份专门针对母婴的保险。如果发生妊娠并发症或婴儿先天性疾病等情况对整个家庭来说无疑是一场灾难。买一份母婴生育保险可以降低由此风险带来的经济负担，为家庭提供一份保障。
 
不可单一储蓄有些夫妻没有时间理财或者害怕投资风险，每个月多余的钱就直接存入银行。对于孕期家庭，这样单一储蓄方式并不可取。养育宝宝的费用非常大，光靠每月结余为宝宝准备生活费或教育金效率非常低，而且只储蓄不投资今后还会遇到通货膨胀带来的贬值问题。
 
投资需要稳定性风险比较大的投资如股票、期货等在资金不充裕的情况下，孕期家庭最好不要涉足，应该选择风险较低的基金作为投资。
 
长线投资注意理财弹性孕期夫妻需要为今后的生活做长期打算，也应该考虑一些长期性的投资为孩子的教育做准备。长线投资需注意理财弹性，可以考虑收藏古董或邮票字画等有升值潜力的物品。这样，既确保了教育费用的基本需要，又可让有限的教育投资跟着市场行情而水涨船高。
 
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