Save $2.00 ONE Pampers Cruisers Diapers (excludes trial/travel size)
Save $2.00 ONE Pampers Baby Dry Diapers (excludes trial/travel size)
Save $2.00 ONE Pampers Swaddlers Diapers (excludes trial/travel size)
Save $2.00 ONE Luvs Diapers (excludes trial/travel size)
Save $2.00 ONE Pampers Easy Ups Training Underwear (excludes trial/travel size)
Save $1.00 on any TWO (2) McCain Frozen Products
Save $0.75 on any ONE (1) Duncan Hines Perfect Size for 1 Cake
Save $1.00 on any ONE (1) V&V Supremo Shredded Cheese (7.06oz or larger)
Save $2.00 off any ONE (1) Mucinex Product (14ct or Higher)
Save $10.00 on any ONE (1) NicoDerm 14ct or Larger, Nicorette Gum 100ct. or Larger, Lozenge 81ct. or Larger
Save $1.00 on any TWO (2) Glade Products (excludes Glade 8oz Room Spray, Solid Air Freshener or PlugIns Scented Oil Warmer)
Save $1.00 on any TWO Clorox Clean-up, Disinfecting Wipes 32ct.+, Liquid Bleach 55oz.+, OR any Manual Toilet Bowl Cleaner products
Save $0.75 off any one (1) Clorox Disinfecting Bathroom Cleaner or Clorox Bleach Foamer
Save $2.00 on any ONE (1) Clorox ToiletWand Starter Kit (excludes refills)
Save $1.25 any ONE (1) Clorox 2 Product (excluding pen)
Save $2.00 off any ONE (1) package of Sparkle Paper Towels, 15 Giant Roll (Available at Walmart)
Save $0.75 on any one (1) Liquid-Plumr product.
Save $0.75 on any one (1) Pine-Sol multi-purpose cleaner, 40oz or larger.
Save $1.50 on any ONE (1) Glade PlugIns Car Starter
Save $1.00 on any ONE (1) Glade Atmosphere Collection™ Product
Save $2.00 on any THREE (3) Glade Products (excludes PlugIns Scented Oil Warmer, 8 oz. Room Spray and Solid Air Freshener)
Save $1.00 on any TWO (2) Glade PlugIns Car Refills
Save $3.00 ONE Always Discreet Incontinence Underwear (not valid on other Always products) (excludes trial/travel size)
Save $3.00 on the purchase of any one (1) BIC Soleil Disposable Razor Pack (excludes trial and travel sizes)
Save $1.00 ONE Gillette Disposable Razor 2ct or larger (excludes Sensor 2 2ct and Daisy 2ct)
Save $2.00 ONE Pantene Shampoo AND ONE 3 Minute Miracle Conditioner (excludes 6.7oz and trial/travel size)
Save $1.00 any ONE (1) wet n wild Face product
Save $1.00 any ONE (1) wet n wild Mascara
Save $1.00 On Any One (1) Maybelline New York Face Product
Save $1.00 any ONE (1) MegaLast Lip Color
Save $3.00 on any one (1) BIC Flex™ or BIC Hybrid 3 Comfort Razor Pack (excludes trial and travel sizes)
Save $2.00 any ONE (1) Differin Gel product (15g or 45g)
Save $3.00 ONE Always Discreet Incontinence Pads (not valid on other Always products) (excludes trial/travel size)
Save $2.00 ONE Always Discreet Incontinence Liners (not valid on other Always products) (excludes trial/travel size)
Save $3.00 ONE (1) box of Clairol Hair Color (excludes Color Crave, Age Defy, Balsam, Textures & Tones and travel/trial size)
Save $2.00 ONE Oral-B Glide Floss TWIN PACK 35M or larger (excludes trial/travel size)
Save $3.00 TWO Tampax Pearl Products (18 ct or larger) (excludes trial/travel size)
Save $3.00 TWO Gillette Disposable Razor Packs (2ct or larger) (excludes Daisy 2ct)
Save $5.00 ONE Crest 3DWhite™ Glamorous White, 1 Hour Express, Prof Effects OR Supreme Flexfit Whitestrips™ (excludes trial/travel size)
Save $1.00 ONE Gillette System Razor (excludes Disposables)
Save $3.00 TWO Always Pads AND/OR Liners (30 ct or larger) (excludes trial/travel size)
Save $3.00 Any (2) Cetaphil (excluding trial/travel sizes and single bars)
REDPLUM
$1.00 OFF ANY 4.4oz SkinnyPop or 3.9oz SkinnyPack Popcorn
SMARTSOURCE (CANADA)
Save $1.00 on any Sharpie® Permanent Marker (5ct. or higher)
HOPSTER
Save $1.00 on any ONE (1) Hilary’s product. Unlock when you complete 1 DEW – Drink Eat Well, LLC activity.
IBOTTA
Earn $1.50 when you purchase TOSTITOS® Chips & Sabra® Guacamole Combo
Earn $1.00 when you purchase Chicken of the Sea®
Earn $1.00 when you purchase Chicken of the Sea®
Earn $1.50 when you purchase Chicken of the Sea®
Earn $1.00 when you purchase TABASCO® Family of Flavors®
Earn $2.00 when you purchase TABASCO® Sriracha Sauce
Earn $1.00 when you purchase Juicy Juice®

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Starting a family is exciting, but it comes with dollar signs…a lot of them. Your budget completely changes because there are more people to feed, clothe, and shelter.

The fact is that children aren’t cheap.

They can outgrow a pair of shoes in no time. Suddenly, their pants are too short. One day they will barely eat what’s on their plate and the next day you can’t keep food in the kitchen because they’re hungry all the time.

All of this takes a heavy toll on the wallet.

If you have debt, the financial aspect of starting a family can seem even more overwhelming. The good news is that it isn’t a death sentence if you have debt and kids. If you budget the right way, you can make all of the puzzle pieces fit together snugly in your world.

Debt and Kids

Many people get married and already have debt. By the time the kids show up, there tends to be more debt. This is usually the point in which couples realize they need to get a handle on their debt. They start worrying about the needs of their children and their children’s futures. Once a baby is born, there are only 16 years until he or she is ready for a first car.

It is also ideal to have college funds set up for the kids to minimize their need for student loans when they grow up.

One of the most crippling debts that new parents face are student loans. Sometimes, both parents have two sets of loans that can exceed $50,000 or more. This can almost make the debt situation seem impossible. A person can become so overwhelmed that they don’t tackle the debt at all. Denial starts to set in, and that can cause an even greater issue.

Managing Debt and Family Needs

You can take care of your family and pay off your debt. It all starts with a family budget so you can determine what you can and can’t afford to do. Yes, paying off debt will take longer than it would if you didn’t have children, but the point is that you can pay it down and do so faster than you would if you were just making minimum payments.

When making your budget, consider household needs first. This means you need to factor in your monthly bills.

After you’ve written down your monthly bills, check and see how you can reduce them. Can you cut down the on the cable plan further? Can you reduce electrical usage? Can you reduce the amount of water the family uses each month? Can something be done about the grocery bill?

These are all fantastic questions to ask so you can determine the answers. You will be surprised just how much you can cut expenses. For example, a little more effort researching the best grocery deals each week and using coupons could save hundreds of dollars a month.

Next, you want to consider the needs of your child or children. If you have a baby, formula and diapers are two things you’ll have to spend money on. Consider that your child will be growing out of his or her clothes every few months for the first two years of life. Around the age of three, their growth slows down.

You also need to consider any medical needs that require out-of-pocket payments.

After you have determined your child’s needs, it’s time to determine the needs of you and your spouse. This part should be easier because you can make sacrifices. For instance, reduce the trips to the clothing store. You can also figure out how to utilize what you have.

Tackling the Debt

Once you have a budget and know how much money you can save so you can apply it to debt, it’s time to determine your debt strategy.

An effective strategy is making the minimum payments on low-interest debts while sinking more money into the high-interest debt. Paying high-interest debt off first reduces the overall amount that is paid because the debt is paid off sooner.

If it will help you a great deal, you can refinance your debt at a lower interest rate. For example, creditworthy borrowers who refinance their student loan debt can slash their rates in half or more. After refinancing, you can then pay more than your minimum payment to eliminate the debt as quickly as possible.

When you eliminate the debt, you are freeing up more of your income for the needs of your growing child. Kids get more expensive as they grow. Think of how your debt can be reduced as they grow so that you have the money needed to handle the long school supply lists, field trip expenses, first cars, copays, book orders, designer clothes, and the essentials for that first college dorm room.

When it’s all said and done, you’ll be glad you made those early sacrifices so that crippling debt doesn’t hold you or your children back.

As a math teacher by day and personal blogger by night, Jacob is constantly looking at and analyzing numbers. He shares some of his best tips and tricks @DollarDiligence.

Here are today’s coupons to print.

COUPONS.COM
Save $1.00 on ONE (1) lb. of Wunderbar Bologna at the service deli (Redeemable at Hannaford)
Save $0.55 on any ONE (1) Arrowhead Mills Product
Save $0.75 on Any TWO (2) NIPS Peg Bag or Box (3.25-4oz)
Save $0.75 on Any ONE (1) SweeTARTS, SPREE or LAFFY TAFFY peg bag (4.5-7oz)
Save $0.75 NERDS, SweeTARTS, GOBSTOPPERS, BOTTLE CAPS, SPREE, RUNTS, LAFFY TAFFY Concession Boxes (3.3-5oz)
Save $0.55 on any ONE (1) Rudi’s Organic Bakery or Rudi’s Gluten Free Product
Save $0.55 on any ONE (1) Imagine Soup, Broth, Cooking Stock or Simmer Sauce
Save $0.55 on any ONE (1) Spectrum Culinary Oil, Spray, Vinegar, Mayonnaise, or Shortening
Save $0.55 on any ONE (1) MaraNatha Almond, Peanut, or Specialty Butter
Save $2.00 off TWO (2) Purex Liquid (128oz or larger) or Powder (50oz or larger) Detergent (Available at Walmart)
Save $2.00 off TWO (2) Dial or Tone Body Wash or Bar Soap (6-bar or larger)
Save $2.50 any ONE (1) Neutrogena Cosmetics Lip or Eye product (excludes trial sizes and clearance products)
Save $1.00 On Any ONE (1) AXE Hair Product
Save $4.00 any ONE (1) Neutrogena Cosmetics Face product (excludes makeup removers, trial sizes, and clearance products)
IBOTTA
Earn $0.50 when you purchase Hillshire Farm® Sausage
Earn $1.00 when you purchase Tyson® All Natural® Frozen Chicken
Earn $1.00 when you purchase Wright® Brand Bacon
Earn $1.00 when you purchase Ball Park® Buns
Earn $1.00 when you purchase Arnold®, Brownberry® or Oroweat® Buns
Earn $1.00 when you purchase Meow Mix® Bistro Recipes™ dry cat food
Earn $1.50 when you purchase Boudreaux’s® Butt Paste
Earn $4.00 when you purchase Boudreaux’s® Butt Paste
Earn $0.75 when you purchase Country Crock® Buttery Sticks
Earn $1.00 when you purchase OREO Big Crunch Chocolate Candy Bars
Earn $3.00 when you purchase Zarbee’s® Naturals
Earn $0.75 when you purchase Country Crock® Buttery Sticks
Earn $1.00 when you purchase Dos Equis® Ambar
Earn $2.00 when you purchase Dos Equis® Ambar
Earn $1.50 when you purchase CLIF® Whey Protein
Earn $3.00 when you purchase Mobil 1™ Annual Protection motor oil
Earn $2.00 when you purchase Pedialyte® Freezer Pops
Earn $2.00 when you purchase Pedialyte® Electrolyte Powder
Earn $2.00 when you purchase Pedialyte® Electrolyte Solution
Earn $1.00 when you purchase NatureBox™ Mocha Almonds
Earn $1.00 when you purchase NatureBox™ Vanilla Bean Wafers
Earn $1.00 when you purchase NatureBox Sweet Blueberry Almonds
Earn $1.00 when you purchase NatureBox Tropical Mango
Earn $1.00 when you purchase NatureBox Mini Belgian Waffles
Earn $1.00 when you purchase NatureBox Asiago & Cheddar Crisps
Earn $1.00 when you purchase NatureBox Sriracha Roasted Cashews
Earn $1.00 when you purchase NatureBox Big Island Pineapple