Two incomes. One baby. One plan you actually built together.
Most couples manage the financial transition to parenthood separately. One person runs the numbers. The other hopes it will work out. This guide is how you do it together.
Baby on the Way, Money Sorted is the complete couples’ financial planning guide for expectant parents. Joint income tables, shared savings strategies, couple action cards, and a trimester-by-trimester plan built for two.
For the couple who want to arrive at parenthood financially prepared, together.
If This Is You
The feeling that brought you here is exactly right.
This guide was written for these specific experiences. Not the generic version. The real one.
One of you is managing the financial planning and the other is not fully across it.
Financial decisions made by one partner without full joint understanding become sources of conflict in the newborn period. This guide builds shared financial knowledge and a joint plan.
You have not yet had an honest conversation about what the first year will actually cost.
Most couples do not have this conversation until after the baby arrives and the costs are already real. This guide is that conversation, before you need it.
You do not know how to combine two incomes into one honest household plan for the maternity period.
This guide includes joint income and expenditure planners, a combined maternity buffer calculation, and a couple-specific return-to-work analysis.
What’s Inside
38 pages. Every part covered.
A complete guide from beginning to end. Written with warmth. Grounded in research. Made for the real version of this experience.
The Joint Financial Picture
A shared income and expenditure framework that combines both partners’ financial positions into one honest household plan.
Maternity and Paternity: Understanding Both
What each partner is entitled to, how the provisions interact, and how to model the best timing for both.
The Couple’s Maternity Budget
One household income during leave, one plan, one buffer target built from both partners’ contributions.
Trimester-by-Trimester Financial Plan
Specific financial tasks for each trimester, assigned to each partner, with a shared milestone timeline.
Baby Costs as a Joint Budget
Shared ownership of baby purchasing, coordinated gift lists, and a joint ongoing baby budget.
The Return to Work: Planning for Both
The childcare cost calculation for both partners, flexible return options, and the return-to-work buffer.
The maternity buffer is not her financial responsibility or his. It is yours. Built together, owned together, used by the family you are becoming.
Eraytee Dawn · Baby on the Way, Money Sorted · Ebook 08
Who This Is For
Written for your specific experience.
The woman who is ready to stop feeling alone in this.
Whatever you are carrying right now, this guide was written by someone who understands that carrying it is hard. Not generic hard. Specifically, honestly, recognisably hard. And it was written for you.
The woman who wants information, not just reassurance.
Reassurance that everything will be fine is available everywhere. This guide gives you something more useful: an honest account of what is actually happening, and what you can actually do about it.
The woman who will come back to this more than once.
This guide is designed to be read at your own pace and returned to as things change. The reflection pages, the toolkits, and the resource signposting make it a working document, not just a one-time read.
The woman reading this anywhere in the world.
Every resource in this guide is internationally accessible. Every framework applies regardless of country, income, or circumstance. This guide was built for a global audience from the first page.
Common Questions
Everything you need to know.
We have very different incomes. Does this guide account for that?
Yes. The joint financial framework in this guide is built around actual figures rather than assumptions. The combined income section and the maternity buffer calculation work for any income split.
Is shared parental leave covered?
Yes. There is a dedicated section on shared parental leave provisions, including how to research what is available in your country and how to model whether a shared leave arrangement makes financial sense for your specific situation.
Is this professional financial advice?
No. The author has significant knowledge in personal finance but is not a regulated financial adviser. This guide provides frameworks and educational content. For decisions specific to your situation, please consult a qualified professional.
Do we both need to read this?
Yes, this guide works best when both partners read it together. The couple action cards and joint planner pages are designed to be completed by both people. The financial picture it builds requires information from both partners.
Ebook 08 · Couples Financial Planning
Baby on the Way
Money Sorted
Baby on the Way, Money Sorted is the complete couples’ financial planning guide for expectant parents. Joint income tables, shared savings strategies, couple action cards, and a trimester-by-trimester plan built for two.
38 pages · complete guide
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