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Busting The Myth: Breastfeeding is Not Free

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It’s time to unearth the long-held belief that breastfeeding is free. I hear this time and time again, and it’s just not true. If you are pregnant and creating a budget, do not put “$0” next to the “Feeding My Baby” category if you plan on breastfeeding. There are many costs associated with breastfeeding, and it’s important to be aware of them.

Breastfeeding is definitely less expensive than formula feeding. I know from personal experience because I’ve done both. I breastfed my twins for almost five months and then I switched them to 100% formula. They are almost 11 months old now, and the last few months were definitely more expensive than the first few. However, I still incurred costs while breastfeeding. Many mothers do. The reason is that there are so many products out there today that exist to help new mothers ease discomfort and make the experience better. Here are a few examples:

1. Nursing Tanks

I lived in nursing tanks for those five months, and when I was finished breastfeeding, I packaged them up and sent them to my sister so she didn’t have to incur the cost. I bought inexpensive nursing tanks for around $15-$20 at Target. By the time I was finished I had five of them. Breastfeeding can get a little messy, and you’re constantly changing your clothes because as a new mom, you just run around smelling like spit up and breast milk. Yes, it’s beautiful let me tell you. Having five of these shirts was helpful because I could do laundry less frequently. It was a pain to get caught wearing anything else! Sure you can breastfeed without them, but it’s easier with them.

2. Breastfeeding Pillow

When your babies are really small, it helps to have a breastfeeding pillow. I had one that was made especially for twins so that I could place one baby on each side of me. These pillows can cost up to $50.00. You can use the pillows from your bed and prop them all around, but for me, they didn’t work quite as well. I tried everything I could before succumbing to using the twin breastfeeding pillow. Once your babies get bigger and you get more comfortable with breastfeeding, you can sort of prop them up any way that works, but in those early days, it helps to have a specific breastfeeding pillow to make your life easier. 

3. Breast Pump

Many breastfeeding mothers purchase breast pumps so that they can make extra milk and store it in their freezer. Many insurance policies now provide these, but since I had an international health insurance policy at the time, it did not cover it. I purchased a high-end breast pump that retails at $400.00. I could have purchased a cheap handheld one, but another twin mom encouraged me to get the best one. With twins, milk is even more sacred because you’re feeding two babies at once, and I wanted a breast pump that worked extremely well. Not everyone has to go this route. Some moms never pump at all. It really is a personal choice but for me, this was a big expense.

4. Pain Relief

I never really thought that I would have to talk about nipple shields in my blogging career, but here we are. There are a lot of different products that mothers use to ease the discomfort in early breastfeeding days. There are nipple shields, as mentioned, which can run around $10.00 a piece. I used a really nice, organic cream that worked extremely well but was very expensive at $15 for a small jar. There is also cream to help with stretch marks since your body changes a lot when you breastfeed. Really, there’s a product for just about everything for those early days.

Many people might also have to pay to visit their physician if they get a clogged duct or get an infection, which is all very common. This takes time and often requires a co-pay as well. Essentially, it can cost time and money to manage breastfeeding pain. Not every mother has pain, but if you do, it’s good to take the steps to remedy it. I personally did just about anything I could to make sure that I stuck with breastfeeding as long as possible, but I always asked a lot of questions and got a lot of support when I needed it.

5. Lactation Consultants

I was in the hospital for longer than most moms, so I was able to use the services of several in-house lactation consultants. However, when I moved to a different state, and I wanted some advice, I called a private lactation consultant who helped me immensely.

She took the time to speak with me on the phone for about an hour to answer some questions. She was so encouraging. She offered to come to my home and physically help me with any issues I was having. Her fee was $100 for an hour visit. I did not take her up on it, mostly because her phone call was all I needed to push me along to keep trying, but if I needed to, I would have taken her up on the offer.

Again, many insurance companies do include the services of lactation consultants, so you’ll want to check with your individual policy. If they don’t or if you like one in particular who is private, you will have to pay out of pocket for their help.

It May Be Cheaper, But Breastfeeding Isn’t Free

As evidenced, breastfeeding is quite a journey, and there are a huge variety of experiences from mothers who had zero issues to moms who really have to fight through the first few months to get it just right. Regardless of your experience, you will incur some costs along the way whether through clothing, products, equipment, or medical help. It is cheaper than formula feeding, but it is by no means free.

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Cat Alford
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Cat Alford is a writer at MagnifyMoney. You can email Catherine at

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Does Debt Snowflake Actually Work?

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debt avalanche vs. debt snowball

Two of the most popular debt payoff strategies are debt snowball and debt avalanche. Debt snowball, popularized by Dave Ramsey, involves paying off your debts from the smallest to the largest balance. Debt avalanche involves paying off your debts from highest to lowest interest rate.

There’s another winter-related strategy you might want to consider if you’re looking to repay significant debt: debt snowflake. Ideally, this strategy should be used in conjunction with either of the above methods. It helps you save small, snowflake-sized amounts of money each day or week to put toward your debt.

Read on for everything you need to know about the debt snowflake strategy.

How the debt snowflake strategy works

The debt snowflake strategy involves saving in little ways each day and then putting those small savings toward your debt. Ideally, debt snowflake shouldn’t be used by itself, but rather with another debt repayment strategy.

Priya Malani, founding partner of Stash Wealth, a financial planning company, said she wouldn’t call debt snowflake a “method,” per se. “I would think of it more as a bonus or add-on strategy that works in conjunction with one of the main methods of debt paydown, [like the] snowball or avalanche,” she said.

So how does it work? It’s quite simple. Let’s say you bring your lunch one day instead of spending $8 on a salad. You can put that $8 toward your debt immediately by making a small payment online. Or you can keep track of your “snowflakes” and put them toward your debt at the end of the month.

There are many areas you can reassess in your daily life to find small savings. Consider the following ways to cut back:

  • Cancel old subscriptions. Malani said this can include everything from magazine and music subscriptions (like Spotify) to gym memberships and movie/TV subscriptions (like Hulu).
  • Sell old clothing and goods online. If you have old clothing, shoes or accessories sitting in your closet, consider selling them on Poshmark, eBay or through a Facebook buy/sell/trade group.
  • If you’re going out, do it during happy hour. Instead of spending $13 on a craft cocktail, find a bar that sells one for $6 as part of a happy hour special, Malani recommends.
  • Take uberPOOLS or Express POOLS whenever you can. UberPOOLS are significantly cheaper than normal Ubers, and Express Pools can be up to 50% cheaper than uberPOOLS. Malani also recommends taking public transportation whenever you can.
  • Skip the morning latte. Beverly Harzog, author of “The Debt Escape Plan,” said just because you’re budgeting with the snowflake strategy doesn’t mean you need to skip your latte every day. Instead of getting one six days a week, opt for once a week instead.
  • Skip convenience items at the grocery store. Pre-washed, pre-cut lettuce is going to run you a lot more than a head of iceberg, Harzog said. Skip convenience items such as this when shopping for your weekly groceries.
  • Have a low-key night at home. A night out with friends could run you $100 or even $200. Malani recommends having everyone over for a wine night or potluck instead to save a little cash.
  • Opt for cheaper entertainment. Instead of going to the movies or catching a live show every weekend, consider renting a movie and eating something at home. Just remember: That doesn’t mean you have to become a hermit. “Maybe go to a movie once a month instead of four times a month,” Harzog said.

Debt snowflake: Pros and cons

The debt snowflake strategy isn’t for everyone. Below, we’ve identified the top three pros and cons associated with the strategy.


  • It’s an easy way to make small changes. Some debt repayment strategies require quite a bit of planning, but the snowflake strategy is fairly simply. All you have to do is save $2, $5 or $10 every so often, and there isn’t much more to it.
  • There’s a psychological perk. Many people benefit from the small “wins” associated with the debt snowball method. The snowflake has a similar benefit. “The snowflake strategy reminds you that you are in control of decreasing your debt balance, which has great psychological benefits that help keep you motivated and empowered with your financial life,” Malani said.
  • It makes you more aware of your spending. It’s easy to get stuck in a pattern of less-than-stellar spending habits without realizing their damage. For example, a $4 latte each weekday might not seem like a lot until you realize that skipping it could save you about $100 a month. “I think [the debt snowflake] makes people stop and think about what they’re doing every single day,” Harzog said.


  • It requires serious organization. If you opt for the debt snowflake strategy, you have to make sure you’re organized. This means either grabbing your cellphone and making a transfer the minute you save money or keeping a list of all your savings to put toward your debt at the end of the month. Harzog recommends staying organized by setting up email or phone reminders to ensure you make your payments.
  • It doesn’t work well as a stand-alone strategy. Some people want a simple, streamlined solution for paying off their debt. If you’re concerned about balancing too many things, debt snowflake might not be for you, as it works best with another strategy such as debt snowball or debt avalanche.
  • You might lose motivation. The savings associated with the debt snowflake strategy are small. Malani said if you struggle to find these small savings, you might feel defeated and could lose your motivation to stay on track.

Debt snowflake makes a difference: Here’s how

Saving $5 here or $7 there might not seem like it will make a difference in your debt, especially if you have a large balance. But it does.

Let’s say you have $5,000 in credit card debt with a 15% interest rate and a minimum monthly payment of $100. You normally pay $200 per month toward your debt but are able to put an extra $100 toward it by using the snowflake strategy to cut out weekly lattes and other small expenses. Here’s how much of a difference that extra $100 a month can make:

StrategyTotal DebtMinimum PaymentMonthly PaymentInterest RateTime to Pay Off Debt Total Interest Paid
No snowflake$5,000$100$200 15%31 months$1,033
Snowflake$5,000$100$30015%19 months$642

3 other debt repayment strategies to consider

Perhaps the debt snowflake, debt snowball and debt avalanche methods aren’t for you. Luckily, there are myriad ways to pay off debt. Below are three other strategies to consider.

Debt consolidation loan. One common way to pay off debt is through a debt consolidation loan. This involves combining all your debt and taking out a personal loan that will go toward the debt as one monthly payment.

Interest rates on debt consolidation loans are typically lower than interest rates on credit cards.

Balance transfer credit card. If your debt is credit card-related, you might want to consider a balance transfer credit card. These cards typically have introductory rates as low as 0%, which can allow you to repay your debt while saving on interest.

This strategy is only worthwhile if you’re certain you can repay your debt within the introductory rate grace period since the rate after that could be just as high or even higher than your previous rate.

Debt management. If you hold a significant amount of debt and have struggled for years to pay it off, you might benefit from credit counseling. Consider meeting with a nonprofit credit counselor who could help you come up with a debt management plan.

Besides helping you stay on track with a debt management plan, nonprofit credit counselors can teach you about good financial habits that help avoid getting into debt again.

Whichever strategy you choose doesn’t matter as long as you’re committed to becoming debt-free.

“The right method is the one that works for you — the one that keeps you motivated and going — because everyone has different personal circumstances,” Harzog said. “You have to be very honest with yourself. Take a close look at your budget and your cash flow, and just see what you can do and pick the right method for yourself.”

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Jamie Friedlander
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Jamie Friedlander is a writer at MagnifyMoney. You can email Jamie here


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Before you read on, click here to download our FREE guide to become debt free forever!

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Updated – January 10, 2019

Digging out of credit card debt can feel frustrating, intimidating and ultimately impossible. Fortunately, it doesn’t have to be any of those things if you learn how to take control.

Paying down debt is not only about finding the right financial tools, but also the right psychological ones. You need to understand why you racked up credit card debt in the first place. Perhaps it was a medical emergency or a home repair that needed to be taken care of immediately. Maybe you’d already drained your emergency fund on one piece of bad luck when misfortune struck again. Or maybe you’re struggling with a compulsive shopping problem, so paying down debt will likely result in you accumulating more until the addiction is addressed.

You also need to understand what motivates you to succeed. Do you want to pay down your credit card debt in the absolute fastest amount of time possible that will save more money or do you want to take some little wins along the way to keep yourself motivated?

Here’s a couple strategies consider as you learn the best way to handle credit card debt — and pay it off quickly.

2 common credit card debt repayment strategies

These repayment strategies can help you pay off credit card debt quickly. Keep in mind, you can use these strategies even for non-credit-card debt:

  • Debt avalanche: Focus on paying off the credit card with the highest interest rate first. Then, work your way down. This strategy can save you money on interest and get you out of debt sooner.
  • Debt snowball: Pay off your smallest debts first. Doing so can motivate you to continue making payments as you climb out of debt.

You don’t necessarily need to pick the repayment strategy that gets you out of debt the fastest. After all, if your repayment strategy doesn’t keep you motivated, you may not stick to it.

Using a personal loan or balance transfer credit card

As you seek to repay your debt, you could consider a personal loan or balance transfer credit card with a lower interest rate than on your existing debt. Transferring your debt to one of these financial products could help you reduce long-term interest costs.

But you’ll first need to learn whether or not you’re eligible. Your credit score will play a big role in determining your eligibility for a personal loan or balance transfer card. Use our widget below to figure out if a personal loan or a balance transfer is the best option for you!

What’s the best option for me?

Please enter information below and we’ll provide the best option to consolidate your credit card debt!

If you have a credit score above 640, you have a good chance of qualifying for a personal loan at a much lower interest rate than your credit card debt. With new internet-only personal loan companies, you can shop for loans without hurting your score. In just a few minutes, with a simple online form, you can get matched with multiple lenders. People with excellent credit can see APRs below 10%. But even if your credit isn’t perfect, you might be able to find a good loan to fit your needs.

Not sure what your credit score is? Click here to learn how and where to find out. If you know your credit score needs some work but not sure of what can be done, click here.

If you have a score above 700, you could also qualify for 0% balance transfer offers. We will talk more about balance transfers below but this option is the best way to pay off credit card debt if you’re able to qualify for a 0% APR balance transfer credit card.

A credit score of less than 600 will make it difficult for you to qualify for either option. If you have a credit score less than 640, struggling to make monthly debt payments and would like to explore your options to reduce your debt by up to 50%, then please click our option below to customize a personal debt relief plan.

Custom Debt Relief Plan

Now let’s talk about the financial tools to add to your debt repayment strategy in order to dig out of the hole.

Let’s say you have $10,000 in credit card debt, and are stuck paying 18% interest on it.

You already know that putting as much spare cash as you can toward paying down your debt is the most important thing to do. But once you’ve done that, so what’s next?

Use your good credit to make banks compete and cut your rates

You could save $1,800 a year in interest and lower your monthly payments based on several of the rates available today. That means you could pay it off almost 20% faster.

Here’s how it works.

Option One: Use a Balance Transfer (or Multiple Balance Transfers)

If you trust yourself to open a new credit card but not spend on it, consider a balance transfer. You may be able to cut your rate with a long 0% intro APR. You need to have a good credit score, and you might not get approved for the full amount that you want to transfer.

Your own bank might not give you a lower rate (or only drop it by a few percent), but there are lots of competing banks that may want to steal the business and give you a better rate.

Discover it® Balance Transfer


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Rates & Fees

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Discover it® Balance Transfer

Annual fee
Intro Purchase APR
0% for 6 Months
Intro BT APR
0% for 18 Months
Balance Transfer Fee
Regular APR
14.24% - 25.24% Variable
Rewards Rate
5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases - automatically.
Credit required
Excellent/Good Credit

MagnifyMoney regularly surveys the market to find the best balance transfer credit cards. If you would like to see what other options exist, beyond Chase and Discover, you can start there.

promo-balancetransfer-halfIt also has tips to make sure you do a balance transfer safely. If you follow them you’ll save thousands on your debt by remaining disciplined.

You might be scared of a balance transfer, but there is no faster way to cut your interest payments than taking advantage of the best 0% or low interest deals banks are offering.

Thanks to recent laws, balance transfers aren’t as sneaky as they used to be, and friendlier for helping you cut your debt.

Sometimes the first bank you deal with won’t give you a big enough credit line to handle all your credit card debt. Maybe you’ll get a $5,000 credit line for a 0% deal, but have $10,000 in debt. That’s okay. In that case, apply for the next best balance transfer deal you see. MagnifyMoney’s list of deals makes it easy to sort them.

Banks are okay with you shopping around for more than one deal.

Option Two: Personal Loan

If you never want to see another credit card again, you should consider a personal loan. You can get prequalified at multiple lenders without hurting your credit score, and find the best deal to pay off your debt faster.

Personal loan interest rates are often about 10-20%, but can sometimes be as low as 5-6% if you have very good credit.

Moving from 18% interest on a credit card to 10% on a personal loan is a good deal for you. You’ll also get one set monthly payment, and pay off the whole thing in 3 to 5 years.

Sometimes this may mean a higher monthly payment than you’re used to, but you’re better off putting your cash toward a higher payment with a lower rate.

And you’ll get out of debt months or years faster by leaving more money to pay down the debt itself. If you want to shop for a personal loan, we recommend starting at LendingTree. With a single online form, dozens of lenders will compete for your business. Only a soft credit pull is completed, so your credit score will not be harmed. People with excellent scores can see low APRs (sometimes below 6%). And people with less than perfect scores still have a good chance of finding a lender to approve them.



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Brian Karimzad
Brian Karimzad |

Brian Karimzad is a writer at MagnifyMoney. You can email Brian at

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