{"id":72343,"date":"2017-05-19T12:33:12","date_gmt":"2017-05-19T10:33:12","guid":{"rendered":"http:\/\/novanews.co.za\/rooirose\/?p=72343"},"modified":"2017-05-26T14:08:12","modified_gmt":"2017-05-26T12:08:12","slug":"babas-bottels-begrotings","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/rooirose\/babas-bottels-begrotings\/","title":{"rendered":"Babas, bottels & begrotings"},"content":{"rendered":"

Dit klink dalk klinies en koud om die \u201ckoste van jou kind\u201d te ontleed, maar dalk bewys jy jouself \u00e9n jou kind \u2019n guns deur bewus te wees van stygende lewenskoste en dit betyds by jou begroting in te reken. Di\u00e9 koste sal verskil van gesin tot gesin en hang af van faktore soos jul inkomste, waar julle woon en waar die kind skoolgaan. Hoe ho\u00ebr jul inkomste, hoe duurder is dit om kind groot te maak.<\/p>\n

\u201cDie meeste mense weet eenvouding nie hoe om te begroot nie,\u201d s\u00ea Nico Gijsen, besturende direkteur van Finlac. \u201cWanneer dit dan tyd is vir die kind om tersi\u00eare opleiding te kry is daar nie \u2019n sent daarvoor nie. Dan moet die ouers enorme skuld aangaan wat een of ander tyd afbetaal moet word, \u00f3f die kind moet die skuld afbetaal. Dit dompel so \u2019n kind in \u2019n skuldspiraal nog voor hy trou. As die ouers dit moet afbetaal, ontneem dit hulle van aftreegeld.\u201d<\/p>\n

Beplanning is die gulde re\u00ebl. Beplan min of meer wanneer julle van plan is om kinders te h\u00ea en begin betyds geld wegsit.<\/p>\n

Abbi Schutte, eienaar van babybugsnberries.co.za<\/a>\u00a0en ma van \u2019n babadogter, Bella, s\u00ea as sy die tyd kon terugdraai, sou sy voor Bella se geboorte reeds begin spaar het. \u201cAs ek nou terugkyk, sou ek beslis elke\u00a0maand geld weggesit het. Ons het ongelukkig eers werklik besef wat \u2018kos \u2019n baba\u2019 nadat Bella daar was!\u201d s\u00ea sy.<\/p>\n

Di\u00e9 ma het baie vinnig geleer om nie oorhaastig babatoebehore te koop nie, maar pryse te vergelyk. Haar raad is om doeke, afveelappies en babamelk by die groot maat te koop. Wees ook op die uitkyk na spesiale aanbiedings waar jy \u2019n gratis pak afveelappies saam met die doeke kry, en soms kan jy sommer ses pakke afveelappies vir spotgoedkoop kry. Abbi en haar man het op bekende kettingwinkels se nuusbriewe aangeteken en kan aanlyn sien watter spesiale aanbiedings daar is. Moenie wag tot jou babaprodukte op is nie, want dan word jy dikwels gedwing om duurder te koop. Wat babakos betref, kook sy groente, maak dit fyn en vries dit in klein porsies.<\/p>\n

\u201cDokters en kinderartse gee afslag wanneer jy kontant betaal. Ons haal maar die beursie uit met sulke besoeke en eis weer die bedrag van die mediese fonds,\u201d s\u00ea sy. \u201cOns het ook die voordeel dat ons mediese fonds 10% afslag gee wanneer ons doeke by \u2019n sekere speelgoedwinkel koop. Dit maak \u2019n groot verskil.\u201d<\/p>\n

Abbi het geen probleem daarmee om vriende en familie se tweedehandse kinderklere te gebruik nie. \u201cEk het pas \u2019n hele winterklerekas by my vriendin met \u2019n ouer kleuter gekry. En wanneer Bella se klere te klein word, gee ons dit weer vir iemand wat dit kan gebruik en hou die siklus aan die gang. Ons het van die begin af besluit om nie peperduur babaklere te koop nie. Die kleintjies groei so vinnig dat ons voel dis geldmors. Gehalte is wel belangrik maar nie \u2019n brand name nie! Ons b\u00eare die klere in neutrale kleure vir wanneer daar \u2019n boetie of sussie kom.\u201d<\/p>\n

 <\/p>\n

Het jy geweet?<\/h4>\n

\u2022 Oor die algemeen soek ouers na \u2019n stootwaentjie<\/strong> met \u2019n ligte raam wat maklik (met een hand) kan opslaan, in die kattebak van \u2019n kleinerige motor pas en darem \u2019n bietjie pakplek vir die babasak en ma se ligte inkopies het. As jy nie vol fiemies is nie, sal jy goeie stootwaentjies, karstoeltjies en bababeddens by tweedehandse winkels kry. Dalk het dit net \u2019n goeie skoonmaak, of nuwe bekleedsel nodig.<\/p>\n

\u2022 Pasgebore babas gaan deur ses tot agt doeke<\/strong> per dag. N\u00e1 die eerste ses weke daal dit tot vier tot ses doeke.<\/p>\n

\u2022 Maak goedkoop afveelappies<\/strong>: Verwyder die kartonrolletjie van \u2019n rol dubbellaag toiletpapier en sit die toiletrol in \u2019n ronde houer wat kan toemaak (die toiletrol moet net-net inpas). Gooi een koppie tegniese olie, te koop by apteke, oor. Die rol absorbeer al die olie. Gebruik die papier van die middel af buite toe. Die lappies is veilig, hipo-allergenies en sag op die boudjies!<\/p>\n

\u2022 As jy dapper is, kan jy wasbare en herbruikbare lapdoeke<\/strong> eerder as weggooidoeke gebruik.<\/p>\n

\u2022 As jy klere in groter nommers op uitverkopings<\/strong> koop, hoef jy nie soveel op te dok wanneer jou kleinding deur \u2019n vreeslike groeifase gaan en jy noodgedwonge moet koop wat beskikbaar is nie.<\/p>\n

 <\/p>\n

Die wiskunde van spaar<\/h4>\n

Nico s\u00ea stap een is om skuld te vermy<\/strong>. \u201cEk sien dit te veel. Dit lyk vir my asof baie mense nie kan besef dat skuld terugbetaal moet word nie. Met rente daarby.\u201d Die tweede stap: Spaar<\/strong>. \u201cHoe vroe\u00ebr jy begin, hoe minder sal jy maandeliks hoef af te knyp. Dink aan dit wat saak maak. Rekenaarspeletjies en ontwerperjeans dra niks tot jou kind se toekoms by nie. Ook nie elke tweede jaar \u2019n nuwe kar vir jou nie,\u201d s\u00ea hy.<\/p>\n

 <\/p>\n

Beplan betyds<\/h4>\n

1<\/strong> Kry mediese dekking<\/strong>
\nMoenie wag tot jy swanger is voor jy by \u2019n mediese fonds aansluit nie. Indien jy aansluit n\u00e1 jy swanger is, kan die mediese fonds die swangerskap as \u2019n voorafbestaande toestand ag en \u2019n wagtydperk van 12 maande toepas. Dit beteken die fonds sal niks van die swangerskap of geboorte betaal nie. Jy kan selfs net \u2019n hospitaalplan uitneem as jy beplan om swanger te word. Daar is ook omvattende swangerskapplanne wat selfs die koste van jou baba se immunisering en twee besoeke aan \u2019n kinderarts dek.<\/p>\n

2 Kraamvoordele deur die werk<\/strong>
\nStel vas watter persentasie van jou inkomste, indien enige, jou werkgewer gaan betaal terwyl jy op kraamverlof is. Tensy julle spesifiek ooreengekom het, het jou werkgewer geen verpligting om enige bydrae tot jou inkomste te maak terwyl jy met kraamverlof is nie. As dit die geval is, begroot en bepaal of jy genoeg kontant vir die verloftyd het. As jy nie kan bekostig om vier maande verlof te neem nie, kan jy vroe\u00ebr teruggaan werk toe.<\/p>\n

3 Werkloosheidsversekering<\/strong>
\nStel vas of jy vir werkloosheidsversekering (WVF) kwalifiseer. WVF word op \u2019n glyskaal bereken as \u2019n persentasie van jou inkomste en is onderworpe aan \u2019n maksimum-inkomste per maand. Hoe ho\u00ebr jou inkomste, hoe laer die persentasie wat jy kan verwag om te kry.<\/p>\n

4 Lig jou mediese fonds in<\/strong>
\nStel jou mediese fonds so gou moontlik in kennis van jou swangerskap sodat jy kan registreer vir swangerskapprogramme wat die fonds bied. Dit sal ook verseker dat die mediese fonds gereed is om jou en jou baba te dek sou daar vroe\u00eb komplikasies wees.<\/p>\n

5 Stel vas watter koste gedek is<\/strong>
\nStel vas wat die mediese fonds dek en wat jy moet betaal. Neem veral die koste van jou doktersbesoeke, die bevalling, immunisering en besoeke aan die pediater in berekening. Bepaal ook vooraf watter tariewe jou ginekoloog vra. As dit meer is as die tarief wat jou mediese fonds dek, sal jy die verskil moet betaal. Dit kan nogal \u2019n aansienlike bedrag wees as jou mediese fonds bv. net 100% van die tarief vir \u2019n bevalling dek, maar jou ginekoloog 200% vra! Jy kan altyd die tarief met jou ginekoloog bespreek, of \u2019n ginekoloog kry wat dieselfde tarief vra as wat jou mediese fonds dek.<\/p>\n

6 Bestee maandeliks minder<\/strong>
\nUitgawes styg aansienlik sodra \u2019n baba gebore word. Dis belangrik om jou uitgawes in te kort. Begin deur kredietkaarte en daardie skuld met die kortste oorblywende betalingstermyn af te betaal. Klererekeninge moet tipies binne ses maande afbetaal word; indien jy vroeg begin, kan daardie rekeninge ten volle betaal wees wanneer die baba gebore word.<\/p>\n

–\u00a0Magdeleen Cornelissen, Finans\u00efele Beplanner by SG Wealth Menlyn<\/em><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Beplan julle om \u2019n baba te h\u00ea? Weet julle wat die bondeltjie liefde julle gaan kos en hoe om betyds finansieel voorsiening te maak? Maretha Botes het die somme gaan doen. Foto Pixabay<\/p>\n","protected":false},"author":8,"featured_media":72344,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[679,662],"tags":[834,1774,2049,134,764],"class_list":["post-72343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ouerskap","category-jou-lewe","tag-kinders","tag-begroting","tag-geld","tag-ouerskap","tag-babas"],"acf":[],"yoast_head":"\nBabas, bottels & begrotings | rooi rose<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novanews.co.za\/rooirose\/babas-bottels-begrotings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Babas, bottels & begrotings | rooi rose\" \/>\n<meta property=\"og:description\" content=\"Beplan julle om \u2019n baba te h\u00ea? 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