As a parent, I’m always on the lookout for the best for Gordon. As he grows up, he starts to get more active, curious and cheeky – which is a big headache when it comes to ensuring his safety and health! In addition to that, being a single mother means I don’t have as many financial resources as a married couple would (based on single income and government schemes available) to be able to afford what’s best for Gordon all the time.
PROTECTING OUR LITTLE ONES
The list is endless when it comes to the number of things that we should protect our children from. It can range from something as simple as ensuring they have proper hygiene and sanitation to teaching our little ones to be wary of strangers. I’ll probably have to write a 100-page article if I need to talk about each one on the list, but I’d like to share the top 4 areas of concern that I have as a first-time mother.
#1 COMMON CHILD ILLNESSES
Whether our children were born premature or full-term, or whether they have any medical conditions that they were born with, we must be knowledgeable about infectious diseases and take precautions against them by exercising proper hygiene. Are you well-informed about the common child illnesses (eg. Chickenpox (varicella), malaria, rabies, rubella etc.) and their symptoms? How about the precautions taken by your child’s centre to ensure proper hygiene and what would they do in the event of an epidemic?
Recently, there have been several Hand, Foot and Mouth Disease (HFMD) cases in young children, especially since parents are enrolling their children in an infant/childcare centre at a much younger age than before. Do you know what precautions you should be taking to avoid contracting such viral infections? If you don’t, it may be helpful for you to start researching on them – and keeping some notes at an accessible place at home, you’ll never know when they may come in handy!
#2 UNFORESEEN EVENTS
If your child goes missing today, the first 48 hours from the time that your child went missing are the most crucial as the chances of locating your child within that period is the highest. Do you know what are the information that you’ll need to provide to the authorities to help expedite their search for your little one?
A child safety kit contains all the information and resources that the authorities need, consolidated into a compact and handy booklet. Do you have one? If that fateful day ever arrives, you can just pass the kit to the authorities – if Gordon ever goes missing, I’d be in too much panic and distress to recall any important information. In fact, without the child safety kit, I’ll probably be hitting myself for not knowing more about his unique features or information that only parents should know.
#3 EMERGENCY MEDICAL COSTS
Ever since I stopped breastfeeding, my top concern has always been keeping Gordon healthy. Without having the antibodies and other nutrients present in breastmilk, I’m constantly worried about hygiene to keep the germs and bacteria at bay. Nothing hurts more than seeing our children get hurt, but when they do, it’s our responsibility as parents to look after them and to seek immediate medical attention when necessary.
However, pediatricians are known to be expensive – especially if you’re bringing your child to a private clinic/hospital. In fact, the costs of bringing Gordon to the doctor are significantly higher than mine even if we have the same illness. Therefore, it is important for us to be prepared and explore ways that we can manage this cost better.
As a full-time student with no income, this was a big problem for me – but I found a solution that was affordable even for a young, single mother like me. With just $0.50/day, I can ensure that I would be able to get reimbursements for my son’s medical expenses! If I could protect our finances with just $15/month, I’d rather be prepared than panic when something happens.
#4 LIABILITY OF MEDICAL BILLS
From the day that our children were born, they are covered by a basic hospital plan to guard against the largest liability – medical bills. Critical illnesses can also happen to juveniles (aged 18 and below), do you know what are the top 10 juvenile critical illnesses in Singapore?
Of course, no parent would want their child to be diagnosed with a critical illness. However, I want to be mentally prepared and financially ready if the need ever arises. I started researching on the ways to protect our financial well-being, but I was apprehensive about it because I assumed such coverage would be expensive. However, after much research, I found a solution that costs only $4.50/day and covers 132 critical illnesses – from the juvenile to advanced stages. A comprehensive solution to all my worries!
FINDING THE RIGHT BALANCE
With the rising costs of living in Singapore, some of us are already finding it difficult to get by. How can we find a balance between protecting our child and managing our finances?
To find the right balance, you’ll need to accomplish the above points effectively and efficiently – without breaking your back or bank account. Many people have the misconception that the most comprehensive protective solutions are unaffordable or expensive – and they eventually get themselves into a situation where they struggle to make their ends meet.
If you think that getting a solution that covers for all the above would cost a bomb, I’m here to prove you wrong. As you can see, it only took me $5/day for a solution that is comprehensive enough to ensure that Gordon’s safety is well taken care of.
$5 can get you an Extra Value Meal at McDonald’s/KFC, or a decent meal at a local coffeeshop/hawker centre. But now, you can give your child the best gift in life for just $5/day!
What I’ve mentioned in this article are just the tip of an iceberg known as child planning. If you’re interested to get your own child safety kit for FREE, you can sign up for yours at the link below! Take the chance to find out more about child planning and ways you can better protect your child – you might thank yourself for it someday.