Logo: Family (Big Cheese Photo, PictureQuest)
Nothing tests your commitment to frugality like the presence of a baby. The exhaustion, disruption and general chaos surrounding the birth or adoption of a child can wreak havoc on your budget.

"It's hard to resist temptation because you want your child to have the best of everything. Plus you're exhausted -- you want to throw money at a problem and have it go away," says Julia Scott of Bargain Babe, whose daughter was born in January 2012.

In a post called "My new baby is making me spend more. Help!," Scott details how the exhaustion and disruption associated with new parenthood temporarily affected the family finances.

"Before my daughter Lucy was born, I scowled at people who paid a premium for what I considered unnecessary luxuries,” she wrote. Post-baby, she found herself paying for things like curbside check-in at the airport and store gift wrapping: "I'm tired, pressed for time and I've been bleeding money where I never would have before."

Scott is now back to her frugal ways. She and two other personal finance bloggers/new parents with whom I spoke all say the same thing: Your bundle of joy doesn't necessarily have to cost a bundle.

Not that they set themselves up as paragons of parsimony: All three admit to buying things that weren't strictly necessary. For example, J. Money of Budgets Are Sexy bought his baby a T-shirt that looked like a tiny tuxedo.

"He didn't need it, and he grew out of it in a month, but it was awesome," says the writer, whose son was born in July 2012.

Bowled over by the adorableness factor at a children's boutique, Scott spent $24 for two items. Elle, who blogs at Couple Money, bought "cute little cowboy boots" for her daughter, born in July 2011.

Picking your spots

The bloggers don't lose sleep over such purchases because they save money in other ways: hand-me-downs from relatives and friends, shopping consignment and secondhand stores, and using Craigslist and/or The Freecycle Network.

More to the point, they know the difference between wants and needs. After all, they're personal finance bloggers.

They do spend on what matters. Elle and her husband moved up their purchase of a replacement vehicle. However, it was a 2007 Honda Accord -- "the fanciest new car we've ever had" -- bought for cash and only after a lot of research.
J. Money and his wife purchased some baby items new, including a crib and car seat. "That was something that was important for safety. You just don't know," he says.

(Not sure about secondhand stuff? The Consumer Product Safety Commission's "Thrift Store Safety Checklist" offers tips on what not to buy.)

All three writers also point out that parenthood can have a positive effect on spending. Scott and her husband eat out as little as once every two weeks. J. Money and his wife never go shopping anymore, ordering everything online because work + baby = zero time to browse in stores.

Elle and her husband rarely eat out and spend a lot less on student debt, having paid all but one loan off before the baby's birth. The extra money is "rearranged" for things like the health insurance premium (nearly double since the baby's birth) and a bigger emergency fund. While they hope not to touch the EF, it may be tapped for extraordinary expenses -- Elle has taken fewer Internet consulting jobs lately.

Tips from the pros

Thinking about starting a family? Use this advice to get started:

Know your benefits.
Talk to your boss about how much maternity/paternity leave you get. If you don't think it's enough, ask about unpaid leave. Ask about telecommuting at least part of the time.

Track expenses.
Use a free money management site program such as Mint.com or Adaptu.com to figure out where your money's going. Then decide where you want it to go.

Save!
Seeing that number grow each week is "a security thing," Elle says. Try to live on just one salary -- after all, you might change your mind about being a two-income couple once the baby is born.

Attack your debt.
It won't get any easier after the baby is here, especially if you want to start a college fund.

Buy used.
Scott and her husband outfitted the nursery for $250 -- a mix of hand-me-downs, Craigslist, garage sales and repurposing items they already had.

Buy in bulk.
Warehouse stores have great prices. Elle and J. Money both use Amazon Mom. Price-comparison websites like PriceGrabber.com and FatWallet.com will help you find good deals (often with free shipping).

Be kind to yourself.
Certain frugal habits, such as coupon clipping and cooking at home, may change. Cut yourself a little slack.

Think about why you buy.
Of course you want your child to have the best of everything. But what does that mean? Hip toddler outfits and a series of stuffed animals are "really for (our) satisfaction," Scott says. "What they really need is you -- your attention and your love."

Readers:
Got any frugal-meets-baby tips to share?

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