Preparing for a baby
把这些待办事项写在你的清单上，为宝宝做好准备.
Little one on the way? Congratulations! Use these tips when preparing for baby.
Money considerations
Start or add to your emergency fund. 考虑抚养孩子的额外成本是很重要的, and to adjust your monthly spending and saving. 把钱存起来——哪怕只是20美元零用钱——以备不时之需, 当这些事情发生时，你会有更好的准备. 尽量存够3到6个月的开销，如果可以的话，甚至可以存够9个月的开销.
Review your existing budget and consider the following costs:
- Prenatal care, birth and delivery
- 一次性购买婴儿，如婴儿车和婴儿床
- Maternity and/or paternity leave
- New monthly bills, such as day care and diapers
Once you compare your monthly income and expenses, 你将能够识别和分配任何额外的钱到你的新开支或应急基金. 最好每个月设定一个储蓄目标，并努力坚持下去.
Start a college fund. 开始考虑孩子的未来永远不会太早. After addressing the priorities above, 向专业人士咨询，看看哪些计划适合你的需求，以及是否适合你的家庭.
What baby paperwork to expect
Expect a lot of paperwork. 当你需要随时查阅文件时，有一个有条理的文件夹或活页夹会很方便. And remember to pack it in your hospital bag.
Generally, 医院会让你填写出生登记表，并申请你宝宝的社会安全号码. If your baby is not delivered in the hospital, 你的医生可以帮助你获得出生证明, 你可以亲自到当地的社会保障办公室申请社保卡 ssa.gov.
Insurance matters
Health insurance -与您的pp王者电子官网公司联系，以核实福利和将婴儿加入您的计划的时间表. You don't want to miss the deadline, otherwise, 你可能要等到下一个开放注册期. This is a good time to review your beneficiaries as well.
你还需要开始研究并找到一个关系网内的儿科医生.
Life insurance — Consider getting life insurance coverage if you don't already have a policy. 定期人寿pp王者电子官网通常是负担得起的，可以帮助确保你的家庭在意外发生时的经济安全. Basic plans are available for your child as well.
Disability insurance — Review your plan, 并考虑增加或增加pp王者电子官网范围，以补偿每月额外的支出.
Contact a State Farm® agent 找出哪些pp王者电子官网计划适合你的家庭.
