I’m looking for a new card with my wife. We are searching for strategies to help with day-to-day expenditures and save money after having a kid. We hope to treat ourselves to a trip someday, so we wouldn’t be against it. However, anything that aids us on a daily, weekly, or monthly basis would be ideal. I’m grateful.
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Please just make the necessary adjustments to your budget to match your income. A credit card is OK if you can pay it off in full each month. However, don’t use it in any way to advance. I advise seeing if your bank offers a credit card if you need one to stay on top of your finances. All I can say about credit cards is don’t get an Amazon credit card. I now can’t even put my $300 worth of points on Amazon purchases, so the interest isn’t worth it.
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Is a Costco close by? As your largest purchases will be diapers, wipes, etc., I would continue with that membership. If you decide to commit to buying petrol there, you can obtain their credit card. Whenever possible, purchase secondhand items to save money. It’s not necessary to buy brand-new furniture, clothing, or equipment; it should be easy to locate used items via friends, relatives, or the internet.
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Best credit cards for new parents often offer rewards on groceries, gas, and online shopping. Consider cards with cash back, travel points, or baby store discounts. Look for intro APRs on purchases and balance transfers to manage baby expenses.
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