Being a mom is tough. You’d have to take care of your kids, balance work and family, still have time to do the house chores in the weekend, take your toddlers out for a walk in your days off, etc. It’s definitely a handful and a tiring ordeal, but moms wouldn’t admit to that since they love what they’re doing. In such case, these tasks and obligations wouldn’t even begin until the baby has come out from their womb. Moms need to prepare for this, so they take a few months leave from work, just to condition themselves for child birth. This is what you would call a maternity leave. In relation to this, some moms would actually apply for and use their personal loan during this period. You may ask, how would a personal loan be of any help to them? Simply put, here are the ways:
1. During the months/weeks leading up to child birth.
The maternity fees aren’t limited to the day of the child birth itself. These fees would come in as early as few months or weeks before the said day, as moms would definitely need to go for checkups in order to check on the baby inside the womb. Basic things such as determining the gender of the baby and the expected level of safety when giving birth are to be answered as early as possible, as part of the whole preparation period.
2. During the day of child birth.
Alas, the maternity fees would just keep on coming. In such case, the approved personal loan would be of great help to pay off the hospital expenses, as even the act of giving birth would generate a huge bill, given the current economic situation.
3. Follow up checkups after child birth.
This isn’t really necessary, at least not for a certain amount of time after child birth. However, if the doctor would instruct for an early checkup period, then you may have to put aside budget for the doctor’s fee. Again, this would be a type of expense, made easier to pay off with the help of a personal loan.
4. Baby products
Maternity fees are not limited to hospital bills and checkup receipts. You may want to consider setting aside a few amount for toddler toys, baby dresses, chew toys, etc. Of course, don’t spoil your little angel too much; just get those which are definitely needed for your baby’s growth and well-being.
5. Add-on savings, with maternity leave pay.
If there are a few extras left from your personal loan, you may add that later on to your maternity leave pay, so that you may set aside a few amounts for other unforeseen expenses and maternity fees.
After reading through our tips, you would definitely want to choose a loaning service that would best be applicable to your needs, without all of the hassles. Look no further than Cebuana Lhuillier’s Happy Loan, a multi-purpose loan amounting to Php 5,000 to Php 15,000 offered to any individual who is employed, self-employed, student, or a remittance beneficiary. Our network of more than 2,200 branches and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time.