Are You Ready for Motherhood?

Posted: January 13, 2014 in Misang's Motherhood Journey
Tags: , , , , ,

image from here

The pain of waiting for nine months for the new baby to arrive brings joy and excitement. A chapter that’s full of happiness and sacrifices that she may have heard from other women but does not fully understand till she becomes one. Women’s lives change when they become a mother. They will be more focused on meeting the needs of their children first than their own. Being a mother is the most wonderful thing that could ever happen to a woman’s life.

You will soon find yourself dropping your old habits and becoming a different person. You may not often find yourself hanging out with your friends in bars. And when shopping you go straight to the infants’ section of the department store. Women’s finances drastically change when they become a mother. Your skill of managing expenses will be tested when you have a child.

If you’re lucky with your employer, pregnant women who have an existing health insurance benefit need should be aware that the coverage of your health card does not include prenatal and post-natal check-ups. Private gynecologists charge no lower than Php 500 per consultation depending on the clinic or hospital’s reputation. The cost of 2D ultrasound does not go lower than Php400. Public hospitals and health centers provide service at minimal to no cost, that is if you are willing to wait in a long queue.

Those who would like to make sure the health of their unborn have themselves checked at least once a month and take their vitamins regularly. This is the period when the woman needs to take a number of vitamins at a time. Aside from the prenatal vitamins, there are ferrous sulphate, calcium carbonate, ascorbic acid supplements. The monthly total cost of these vitamins is a no joke for average income earning families.

The cost of delivery also varies. For normal deliveries the lowest cost is Php 5,000.00 in lying-in clinics, Php 10,000 for public hospitals and Php 15,000.00 for private hospitals. As for caesarean delivery, a minimum of Php 20,000.00 for public hospitals and Php 50,000.00 for private hospitals are the usual fees. Experienced women would often recommend that even if you are expecting a normal delivery, you should prepare for the cost of caesarean delivery, because no matter how experienced your doctor is we cannot be too sure of what might happen.

A week after the delivery, post-natal check-ups are required to make sure that both the mother and the child are healthy. Our country has high rate of infant and mother mortality after giving birth so we need to make sure that the mother and child’s wellness are intact.

A mother’s expenses do not end after giving birth. It is comparable to a warm up exercise in sports, or an appetizer in a menu. The most crucial year for a newborn is the first year. If you are a first-time mom, simple colds may alarm you. I remember myself rushing to our doctor because my child could not breathe because of a congested nose. In the Philippines, most employers do not offer extended health insurance plan to dependents and that cuts back the family’s budget.

Budgeting family finances is not an easy thing to do especially if you have a large family or a sickly child. If the family lives pay check to pay check, hospitalization and medical cost bring a terrible headache to the one in charge of the money, which in most cases are the mothers.

There are times when you need to take a leave from work to take care of your sick child. Employers may understand your situation, but they will not like it very much. And that also may affect your performance record. Most employed, married women are not amenable to work overtime. And some even choose to leave jobs to stay at home. This move hurts the family’s income. As the woman’s role changes so does her priorities.

This article is not to discourage single women or new couples to start a family. But to give you idea of what’s real scenario is like so you could prepare.  After all, nothing brings greater joy than the joy of having a little one holding you and calls you “Mom”.


603522_632093473487139_941115539_n, is a money comparison site that offers free and independent comparisons for financial products such as bank loans, cards, accounts, insurances and HMO, investments and more. With just one click, you will be redirected to the bank’s site for easy access. They even have a loan calculator for easy computation of your desired loan amounts. Please do check out their website and get all the information you need.


Want to earn money online? Click here


Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s