budget and finances

    ACA Out-of-Pocket Healthcare Cap Changes in 2016; Families Keep More Money

    The cap (limit) on out-of-pocket healthcare expenses that individuals and families must pay, changes in 2016; this will lower the cost to families that run up big medical bills. ... more »

    Use 3 Piggy Banks to Teach Children Money Basics

    A piggy bank is a common fixture in many a child’s bedroom but some financial experts say kids will become better money managers if they use three piggy banks instead of just one. ... more »

    Lifetime Autism Price Tag $2 Million Plus

    A study puts the lifelong price tag for living with autism at roughly $2.4 million (£1.414 million). ... more »

    Babymoon: Safeguard Money, Identity While Traveling

    The best babymoon travel plans involve more than reservations and itineraries. Keep these tips in mind to safeguard your money and your identity while traveling. ... more »

    Budgeting for Baby One Trimester At a Time

    The financial wizards at Money Magazine suggest approaching a baby budget like a pregnancy, one trimester at a time. ... more »

    Online Fertility Drugs: What Are You Really Buying?

    The extreme ease of buying things, especially cheap things, on the internet has led one doctor in Ohio to send out the cry that buyers should beware, especially if fertility drugs are on the shopping list. ... more »

    Actual Costs of Fertility Treatments

    Demand for fertility treatments are rising but cost may deter somecouples. Up to 24 percent of couples have trouble conceiving a baby.Rates of infertility, which is a couple's inability to become pregnantafter unprotected sex for one year, range anywhere from 6 to 24 percent. ... more »

    Commentary Raises Ethical Concerns about Fertility Loans

    Some lenders now offer loans to make paying for fertility treatments easier, but a commentary published by The Hastings Center raises ethical concerns about the practice. ... more »

    My Infertility Journey: Feeling Groovy (Part 45)

    I let myself quiet my financial concerns and clear my mind for the first time in a long time. I couldn't help but feel that the financial pressure buying all of those fertility medicines was putting on me was the universe's way of saying now wasn't the time to be doing this. ... more »

    My Infertility Journey: Compassionate Care and Other Assistance (Part 41)

    The medicines for IVF are many and expensive. However, there are assistance programs to help you get some of them. One of the better known programs is called Compassionate Care. It offers 25, 50, 75, and 100 percent discounts on Gonal-F and Cetrotide ... more »

    My Infertility Journey: One Month More (Part 40)

    It became clear pretty quickly that the finances to get all of the necessary fertility medications just weren't going to be there during the holidays. So, I called my IVF coordinator at the clinic to see if we could put it off for another month. ... more »

    My Infertility Journey: Some Advice from a Friend (Part 38)

    While I was contemplating what to do about the costs of the IVF meds and whether I should do the procedure in December or wait another month till the stress of the holidays were over, I got a private Facebook message from a friend. ... more »

    Cost is Biggest Anxiety for IVF Patients

    Of all the things couples could worry about during in-vitro fertilization (IVF) procedures, money tops the list. Research showed finances were a major concern for couples using IVF. ... more »

    What Happens in the First Trimester of Pregnancy With My Relationship?

    Whether you have only been with the father for a little while or have been married for 10 years, expect your relationship and intimacy to change throughout the first trimester. ... more »

    Budgeting for a Child: Common Mistakes New Parents Make

    Having a child is an exciting and life-changing experience, but the hectic nature of the preparations can leave some parents in the dark about the actual costs of raising a baby. ... more »

    My Infertility Journey: Making Room for Baby (Part 15)

    While waiting for my first IVF appointment, I decided to make room for the new child. This was both a physical and a spiritual endeavor. I've always read that if you want something, you should act as if it has already come to you. ... more »

    My Infertility Journey: Making My Own Family (Part 14)

    I never imagined how important my IVF fundraiser would be to my life when I started it. I knew it was important for raising money to get the IVF. However, it turned out to mean a lot more than that. ... more »

    How to Prepare Financially for a Baby

    Welcoming a baby into the family creates many changes. The financial landscape of a family's budget is dramatically altered when a baby arrives. Consider the following tips when preparing financially for your new addition. ... more »

    Finance IVF: the Top 3 Ways for Credit-Challenged Couples

    IVF is expensive. There's no getting around it. Most health insurance companies won't pay for it and the government doesn't offer you a certain number of free rounds like in some European countries. ... more »

    My Infertility Journey: A Change of Tactics (Part 12)

    With the fundraiser over and my $4,000 raised, I was able to pay back my mother and wait for the fertility clinic to call to say the study was starting. It was very exciting and I was eager to start. ... more »

    My Infertility Journey: You Know Who Your Friends Really Are When You Ask for Money (Part 11)

    My IVF fundraiser was going pretty well. I was promoting it once a week on Facebook and I had several friends who were promoting it on their own Facebook pages, too. One of my friends even acted as my personal cheerleader. ... more »

    My Infertility Journey: Time to Be a Guinea Pig! (Part 10)

    Shortly after I set up my crowdsourcing fundraiser for IVF, I discovered a local fertility clinic was offering an amazing proposition to interested women. ... more »

    My Infertility Journey: Funding IVF The Unconventional Way (Part 9)

    Deciding to go the IVF route was undoubtedly the best way to go at this point. Paying for it was a whole other thing. Unfortunately, it isn't covered by most insurance policies and I haven't found a doctor or clinic yet who will do in with an in-house payment plan. ... more »

    My Infertility Journey: Time to Finally Consider IVF (Part 8)

    We had now been actively trying to get pregnant for nearly four years and unofficially for seven years before that. Nothing we had tried so far had worked. The acupuncture was the only thing that even produced a noticeable physical difference. ... more »

    American Babies are Most Expensive in the World

    Renee Martin, 31, compares her experience with maternity expenses to "a used-car lot." Martin and her husband were both covered under employer-provided healthcare insurance although maternity expenses were excluded. ... more »

    Can Parents Ever Really Afford to Have Children?

    The woman was claiming there was never a time when a couple is financially secure enough to take the jump into parenthood. The man claimed that wasn’t true – citing how much money they’d saved over the last year and voicing a desire to wait one more year so they could have enough in the bank to afford a baby. ... more »

    How to Tell Her You Don’t Want to Get Pregnant

    Parenthood is a lifelong obligation that starts at conception and lasts through death. From the time you have a child you are bound legally to that child financially, but being a parent is about much more than just taking care of your children. ... more »

    How to Deal With an Employer Refusing Maternity Leave

    The federal and state governments protect pregnant women from discrimination in the workplace. If you are pregnant and seeking maternity leave under FMLA, you have rights as long as you follow the proper procedures for requesting maternity leave. ... more »

    Tips for Requesting Maternity Leave

    If your income is financially relevant, think through your post pregnancy plan carefully. Many mothers want to stay home with their baby for the first year, but not all mothers are in a financial situation that allows such a prolonged maternity leave and disability payments will not continue for one year. ... more »

    Periconception Tip #9: Check Your Health Insurance Coverage

    Periconception tip #9 of of the 10 periconception tips that will help you improve your pregnancy chances and have a healthy baby. ... more »

    How to Budget the Baby's First Year

    Learning to budget for the baby's first year can ease stress and help one avoid going into serious debt. ... more »