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One of the biggest expenditures for children generally happen to be towards their education. But even before your baby is born, there are heaps of expenses to be dealt with. Here are some ideas to help you deal with these expenses.

Prenatal Medication
As soon as the pregnancy test is declared positive, would-be parents need to start shelling out money towards medical tests, ultrasounds, fees of gynecologists, nutrition supplements and so on. The uphill burden of expenditure can be reduced by opting for a health insurance policy right from the time you get married or start planning your baby. The health insurance company generally expects policyholders to pay a minimum amount towards each medical bill while the rest of the medical expenses are borne by the health insurance company. As a thumb rule, check if your hospitals, gynecologists and pharmacies accept the insurance policy that you have. If not, then I recommend that you search for medical services that have a tie-up with your health insurance company before you set up an appointment. This will help save a lot of money.

Preparation for Baby
It is delightful to go shopping for baby clothes, cribs, car seats, strollers, baby monitors, etc. Some of you might even redo an entire room, converting it into a nursery. As exciting as it seems, babies tend to grow very quickly and it is therefore futile to spend a huge sum on new and expensive baby clothes. Even doctors recommend usage of soft, tender and used baby clothing on babies. Personally I suggest that you may opt for borrowing baby clothes, cribs, strollers, etc., that have been previously used by your friends for their babies. And if you are lucky enough, you might receive some new accessories for your nursery as baby shower gifts. I can’t help mentioning a noteworthy fact about pregnancy in advanced stages. The recommended restrictions of movement and food consumption for a pregnant woman is likely leave a considerable surplus of money in your kitty.

Delivery
As previously mentioned, couples might have to be careful while selecting hospitals for the upcoming childbirth. It is ideal to get confirmation about the hospital’s tie-up with your health insurance company way before the due date. It is also recommended to get similar confirmations from the obstetrician and anesthesiologist before you appoint them for the delivery. This will help you save a huge sum towards delivery and hospitalization expenses. The arrival of a baby is a wonderful moment. But it is suggested that you find some time to check with the health insurance company for possible addition of your newborn child under health benefits. This might mean an additional expenditure towards premium, but trust me, it is well worth the expenditure. After all, there might be – god forbid – some unforeseen health expenses for your baby. Read the rest of this entry »

Step #1

Reserve some part of your day for this work. Ensure that no matter what happens you work on self evaluation and try and finish the whole process in a week. Mention your accomplishments objectively, where you think you have contributed to the company. Anything which you might have done going out of the way for your company will be a good idea to add here in the performance appraisal.

Step #2

If you have worked really hard (please be honest here) for the company then have no qualms about praising yourself. At the same time, be humble. Usage of strong action verbs like produced, received, managed, created and so on will have a positive impact on the self evaluation for performance review. Read more on employee performance appraisals.

Step #3

Have a clear description of your job responsibilities and mention your nature of daily work. If you worked on a project, state precisely if you handled it solo or as a part of the team. If it was the latter, describe about your effective communication skills, team adaptability, and focus on achievement of objectives.

Step #4

As mentioned earlier, pen down your major achievements for your company. Let the evaluation reflect that you can apply your knowledge to the best of your abilities and do your job well. Your contribution might be a small one, but if it has augured well for the company, mention it. This is one of the secrets to an effective performance review. Read more on writing a self evaluation.

Step #5 Read the rest of this entry »