Medical insurance: is it worth buying?
The main issue that parents have to deal with is to use the services of public or private medicine on their own, or to apply for a voluntary medical insurance policy for money.
Not quite for nothing
Service in the state polyclinics and hospitals is only partly free of charge. Yes, you do not pay for consultations of doctors, for delivery of analyzes. But the cost of medications necessary for many children for a year is great, and the schedule of doctors is not always convenient.
In addition to the standard set of services, the VHI policy can include: the possibility to have a family doctor, 24-hour counseling with a specialist on the phone, the pediatrician's departure and home delivery of drugs, the delivery of tests, massage, vaccination, which is especially important for children under one year and for families with frequent sick children.
The doctor!
For obvious reasons, many specialists, especially among the recognized authorities in their field, are increasingly moving to private clinics, and one-time consultation with them can be quite expensive. But remember that for many of them it is only a part-time job. In district, departmental polyclinics or hospitals, they also take the reception - at the main duty station. To get to them for a consultation can be with less or no cost.
School of early development: quite affordable
There are many elite pre-school development centers, where they learn everything in the world, and for a lot of money. But development is not necessarily Spanish and Italian since three years, riding and fencing in a prestigious club. This is new knowledge and skills that you are ready to give the baby. In this sense, the art studio and any singing courses, molding from plasticine in the local House of Culture are not much different from the "cool" centers and studios. The same applies to sports. Inexpensive sections, which are offered in sports and health clubs, provide an opportunity to try different kinds of sports without huge expenses and choose the most interesting.
Waldorf, Montessori?
Do you want a "special" training program and a special attitude to the child? Choose alternative development systems - Waldorf, Montessori or the like. As a rule, classes in such centers are quite affordable. But they are worth it!
Clothes and shoes: we will be glad to accept as a gift ...
Continuously growing child infinitely pleases, but when you approach the next season you realize: the jacket bought six months ago is hopelessly small, and the boots, acquired in the spring, did not manage to "live" until the season - you fall into a stupor. You do not like low quality clothes from the market? Look for other available ways to update the children's wardrobe.
Sale
Do not count on them very much: in winter they sell summer, and in summer - winter. Up to what size the baby's leg will grow over the summer, it is difficult to predict in advance, so it's easy to mistake with buying "for growth".
If you have friends who have older children than you, consider yourself lucky. And it's convenient for friends - you do not have to puzzle over what else to do with good things, from which the child grew. And you are wonderful: from time to time your baby "falls" nice clothes.
Learn the "Mom" forums on popular parent sites. There, mothers communicate, exchange clothes, shoes, toys. If there is no such forum in your city, why do not you organize it? The problem with clothes is eternal, and your initiative will not remain without attention.
Following our advice, you can save a huge amount of time.