Sainsbury’s Bank Analysis Of Pre And Post-baby Costs

14 November 2016

Sainsbury’s Bank Credit Cards recently undertook some research(1) in to the costs associated with having a baby, looking at the six months prior to having the baby, and six months after having the baby.

Parents with children under the age of five say they spent on average £2,832 in the six month lead up to having their child. The largest cost comes from purchasing or upgrading a car (£1,209) and upgrades to the home, including decorating a nursery (£463).

On average, UK  parents claim to spend more in the six months after their child was born, an average of £3,982. In addition to the baby essentials (some people choose to leave buying these until after the birth) there are the added day to day costs such as feeding items and nappies to consider.

Spend (broken down by item) – six months leading up to the birth

Pram/buggy £286
Cot/moses basket £99
Other nursery furniture £235
Baby carrier £120
Car seat £155
Baby toys & clothes £265
Buy or upgrade car £1,209
Upgrades to home (incl decorate nursery) £463


Spend (broken down by item) six months after the birth

Nappies £238
Formula milk /feeding items £352
High chair £177
Pram/buggy £270
Baby carrier £180
Cot/moses basket £177
Other nursery furniture £324
Car seat £276
Baby toys & clothes £375
Buy or upgrade car £808
Upgrades to home (incl decorate nursery) £405
Other £402


Simon Ranson, Head of Banking at Sainsbury’s Bank commented: “A new addition to the family is an exciting time for everyone but with so many things to prepare for there’s no doubt that costs can quickly add up. New parents can spread the cost of large costs and essential spending with the use of a 0% purchase credit card.

“Key to getting the best from a purchase credit card is to make sure you are paying enough back each month so that you’ve paid off what you’ve borrowed by the end of the 0% term.“

Sainsbury’s Bank’s Purchase Credit Card offers 0% interest on purchases for 28 months and 0% on balance transfers for 18 months(2) and has no annual fee. Customers are also awarded two Nectar points per £1 spent in Sainsbury’s and on Sainsbury’s fuel, and one point for every £5 spent elsewhere.


Notes to editors:

  1. Sainsbury’s Bank commissioned Opinium Research to survey 2,000 nationally representative UK adults aged 18+ between 14th and 18th October 2016. Opinium Research is a member of the British Polling Council and abides by its rules
  2. 0% interest on purchases for 28 months and 0% interest on balance transfers for 18 months. 2.89% balance transfer fee applies for your first 3 months, 3% afterwards (minimum £3 at all times).

Representative example

Purchase rate is With a representative With a representative
18.95% p.a. variable 18.9% APR variable £1,200

Sainsbury’s Bank Nectar Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Nectar Credit Card on an individual basis. The interest rate and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history. To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Nectar points collected using your Credit Card are in addition to the points you collect from swiping your Nectar Card or using it online during a transaction.

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Sainsbury’s was the first major British supermarket to open a bank, commencing trading in February 1997. Benefiting from a fantastic, trusted brand that enables us to combine the shopping experience with personal finance, Sainsbury’s Bank provides a range of quality products including insurances, credit cards, savings and loans. Our proposition is to make shopping more rewarding by offering customers great products at fair prices, while consistently rewarding shoppers for their loyalty and being easy to do business with at all times. Our products consistently top best buy tables and regularly win awards for quality, price and service.

Sainsbury’s Bank plc. Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury’s Bank plc is covered by the Financial Services Compensation Scheme (FSCS).