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As mom’s we often think that our credit might not carry that much weight. But the truth of the matter is, that it really does. Even though you might be a stay at home mom or a soon to be stay at home mom, it is extremely important that you continue to stay on top of your credit score.
Did you know that you can even get free credit reports from various sources online? Many of these services are very user friendly and do not make it a painstaking process, and it is super simple to understand.
Before you get your Free Credit Report Score, be sure you are doing the right things to maximize your Credit Report. Often times, as stay at home moms we let things go to the way side, but your credit report is extremely important to understand, and make sure you are taking the right steps to keeping it as clean as possible.
Here are a few pitfalls that you want to avoid as a stay at home mom:
Having your credit report under your maiden name
Be sure that when you get married (or divorced) that you notify all three credit reporting agencies, and provide proof showing the name change. This could inhibit you from having a credit record in your new name, which in turn makes it slightly challenging to get a credit card or loan. A few of the credit agencies will automatically make the change for you when they are notified by your creditors, but don’t assume that this will always happen. Be proactive, not reactive!
Maybe you have been trying to get pregnant for some time, maybe your pregnancy is as much a shock to you as anyone else. Either way, once you read those results on that pregnancy test, there are many things to consider. These things can start to feel overwhelming rather quickly, especially with all those baby hormones coursing through your veins!
Before you settle on a name and a nursery theme, you are going to have to get down to the business of choosing the hospital you want to deliver in and the OB/GYN you want delivering your baby. If you are already covered by medical insurance, there are a few ways to go about doing this. You can ask around amongst your girlfriends and see if anyone has an outstanding recommendation, you can call your doctor’s office and ask for a referral, or you can call the hospital in which you want to deliver and ask them for referral.
Choosing the right OB/GYN is important because ideally, this will be the person who is there during the most critical time of childbirth, when the baby actually makes his way into the world. However, your OB/GYN is sort of like the secret weapon of delivery. They are not there with you for the long haul that birthing can be, instead they bust on the scene in the last minutes of the birthing process to bring the baby out of your body. Therefore, it is very important to choose the right hospital as well.
Make sure you are comfortable with the hospital you choose. If you have your heart set on actively participating in the process, make sure you choose a hospital that caters to those needs with the appropriate amenities, like offering exercise balls or squatting bars on their beds for ease of repositioning during labor. Take the tour of the hospital and delivery unit at least a few months before your due date to get a feel for the place and the attitude of the staff.
When it came time for my son to start eating solids, I knew I was going to be a DIY mom. There is something about knowing exactly what my infant is ingesting that put my mind at ease when it came to introducing new foods into his diet. Any change for a mom and her infant can be a stressful time, I found this approach to be especially comforting during this transition.
I had been lucky enough to have been gifted a Magic Bullet for one of my wedding gifts, which certainly came in handy when embarking on my homemade babyfood endeavour. Although, I did find that most veggies were easily mashed with a fork, for making applesauce, I couldn’t beat the Bullet. Now they have the Baby Bullet which seems super convenient, but for the sake of saving money, do not bother with expensive gadgets, any blender will do the trick.
Traveling a far distance with a toddler can be a daunting experience. After having taken my one year-old on several cross-country flights and a week-long road trip, I felt it would be nice to share some of our successes and failures in case there are any parents out there who are gearing up to bravely take their little ones on their first big trip.
As far as places to stay go, I can’t stress enough how much more convenient it is to find a hotel that either offers suites with a kitchenette, which is ideal, or a room that has a refrigerator. Your toddler is going to need somewhere for their milk and other perishable snacks and food. This is beyond difficult to deal with when you are limited to ice machines and coolers. Having experienced both options, I would gladly pay a few extra dollars for the luxury of the refrigerator amenity.
When it comes to flying, there are some things to consider. We have successfully maneuvered our baby boy through long flights and flights with layovers. There are benefits to both depending on what kind of kid you have. A flight with layover gives you the opportunity to stretch your legs and take a break from the plane atmosphere. A direct flight makes for a much shorter day of travel. While a layover can be a nice break, it can also make for a super long day because switching planes takes an hour at least.
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