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The insurance itself covered what we expected, but "other" stuff has been pretty expensive...diapers...baby gear, etc.

More expensive... We had kinda figured it would be cheap the first year because we were breastfeeding and cloth diapering - we received a ton of hand me down clothes as well so we had everything he needed... but the cloth diapering didn't pan out after 7 months so there is now the expense of diapers. We had to buy a lot more clothes because the hand me downs were the wrong season. We bought a lot of his baby gear, like the rocking chair and crib.
And he eats soooo much. I thought a baby less than a year wouldn't impact our grocery bill - but it totally does!

More... only because I'm nuts love to buy her clothes and bows and shoes. lol

It's about what I expected. Less in some areas, more in others. We got a lot of hand me downs so we're grateful to save on that. We buy a lot of second hand items. But then there are big ticket items. Like now we have 4 car seats between the two cars.

More. We didn't receive any hand me downs so had to buy pretty much everything, although we did buy some used items the cost adds up. And this being my first baby I've bought some things I thought would be super useful only to discover they're not for us.

More. I thought when she started eating she would just eat what we eat, and we always have leftovers so it would be no big deal. But I like to buy her special organic food, she eats more fruits and veggies than I do, etc. So my grocery bill is pretty big.

And there's always those things that I have to buy a million of because she doesn't like the first thing I get. Sippys, bath tubs, swings, I still can't find a diaper cream I like.

More. I love trying baby gear and I love buying new things for her. One of my goals for this year is to reign in our unnecessary baby spending.