Erm actually the day nanny rates now is also 1k, and then u need to bring the Fm and diapers to them. If feed solids they will ask u to add on $100 more.
So in a way u not paying ur mum the market rate if she needs to buy Fm and baby related stuff. I feel elderly are not savvy enough to buy online or on expo sales. I buy my 5 tins of Fm (similac) and diapers (naturemade) on promotion and it already cost me $300-320 a month. About every two months I need to buy baby shower foam and cleaning supplies/ baby wipes, there about $50. Then she see any cute clothes she may also buy ma.
If not u try reducing your mum allowance to $500 and u buy all the supplies, see how much can u save from here?
For me these expenses on average is about $600 a month.
U can use CDA account monies to pay for some Fm at certain retail pharmacy but i rather save this money for childcare later.
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