{"product_id":"year-one-baby-cost-spreadsheet","title":"Year One","description":"\u003cp\u003e\u003cstrong\u003eThe cost of a first baby is mostly the income you do not earn.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eEveryone budgets for the pram. Almost nobody budgets for the gap between a normal salary and leave pay, across twelve months. This workbook does both, plus the admin that has deadlines — including childcare waiting lists, which close roughly a year before you need them.\u003c\/p\u003e\u003ch3\u003eNine tabs, all formulas live\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCountdown\u003c\/strong\u003e — 29 tasks from mid-pregnancy to the first birthday, dated from your due date.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSetup costs\u003c\/strong\u003e — 18 one-off items with a new price, a second-hand price and what you will actually pay, so you can see the saving.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly costs\u003c\/strong\u003e — 11 categories across three age bands, because month two and month eleven cost very different things.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome \u0026amp; leave\u003c\/strong\u003e — your replacement rate, income lost across the leave, total cost of year one, and whether your savings cover it.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eChildcare compare\u003c\/strong\u003e — options side by side, ending in the honest number: what is left after childcare if you go back to work.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCountry notes\u003c\/strong\u003e — 15 questions for your national authority or employer.\u003c\/li\u003e\n\u003cli\u003ePlus Setup, Start here and Licence.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eEuropean by default\u003c\/h3\u003e\u003cp\u003eLeave entitlements, pay rates and benefits differ in every member state and change with each budget, so none are hard-coded. You enter yours; the workbook does the maths and never goes stale.\u003c\/p\u003e\u003ch3\u003eWhat you need\u003c\/h3\u003e\u003cp\u003eExcel, Google Sheets, LibreOffice or Numbers.\u003c\/p\u003e\u003ch3\u003eDelivery\u003c\/h3\u003e\u003cp\u003eAn .xlsx file, emailed the moment payment clears. Yours permanently.\u003c\/p\u003e\u003ch3\u003eNot advice\u003c\/h3\u003e\u003cp\u003eA planning tool, not benefits, employment or tax advice.\u003c\/p\u003e","brand":"Threshold","offers":[{"title":"Default Title","offer_id":57182704402758,"sku":"TH-YEAR-01","price":29.99,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1018\/2380\/7814\/files\/d-yo-mock.png?v=1787515562","url":"https:\/\/thresholdsofficial.com\/products\/year-one-baby-cost-spreadsheet","provider":"Threshold","version":"1.0","type":"link"}