Congratulations! Making a spending plan for when baby arrives is about budgeting for reduced income, and for the additional expenses that come along, like baby stuff you need to buy. We suggest you use the ĠEMMA Baby Planner to work out what you need to spend in preparing for the baby and once you have a baby: download

You may find it useful to do a couple of test runs on a income you will have available once the baby is born and whilst paying for the baby stuff if you used a loan or credit to buy these. This gives you an early idea on your expenses and any adjustments you need to make.