Optum California is a physician-led, close-knit team that has been long-respected in Southern California. Mission Hospital and Saddleback Memorial Hospital Life Changing Work Want to make a real difference in the lives you touch? LOOK NO FURTHER. Nocturnist Per Diem | 5-8 encounters per shift Ĭardiac Hospitalist Moonlighting - Fellows Welcome!Įxperienced hospitalists and cardiology fellows from all corners of NC love this part-time moonlighting position, covering hospitalist shifts for the cardiology service - with recently increased rates! Apply now if you re interested in learning more! - Located near the Blue Ridge Mountains in Winston-Salem, NC. Practice Work alongside an established team with 10 physicians and a clinical performance nurse 7 on/7 off IM or FM trained with experience No. They currently have an opening in California s Central Valley for a Hospitalist physician. Join a team of physicians at a highly awarded 184-bed acute care facility. “We only had to check the bank account once per month to make sure there was enough for the lump-sum payment.Hospitalists Earn over 350K in Zinfandel Wine Region of Northern CA
“All the various bills were taken care of without our active attention,” she says. If you can, go one step further and set that card to autopay, too.Ĭarly Campbell, a blogger and stay-at-home mother of two, says this was one of the best things her family did before welcoming their first child. Set any recurring bills to autopay, ideally from one account or credit card. It doesn’t need to be perfect you can adjust down the road. You can also build other baby essentials, like diapers, formula and wipes, into your budget now, making an educated guess. Not sure what child care costs in your area? Ask around your friend group or local parent group to get a sense of what day care, a nanny or other arrangements cost.
This helps you adjust to the new expense and allows you to bank a few months of child care costs that you can tap for upfront costs like deposits and application fees. Put the money into a separate savings account - ideally one that earns interest - every week or month. Get a jump start by “paying” for day care well before your baby arrives. This will help you identify optional expenses to reduce or eliminate and help you build a savings cushion before your baby’s arrival.Ĭhild care is the single largest monthly expense for most new parents. If you don’t have access to paid leave, or you’re planning to take additional unpaid time, practice living on the reduced income to the extent possible. You don’t want to be one week postpartum emailing your benefits provider to unravel the logistics of your leave payments. You also want to know when and how your benefits will be paid out, especially if they’ll come from multiple sources. Do you need to use vacation and sick time first? Find out how many weeks are covered and at what percentage of your salary. If you have paid leave through your employer, ask questions early. Paid parental leave is far from guaranteed. When hospital bills start rolling in, you can pay directly from this flexible account or use a rewards credit card and submit for reimbursement. Have access to a flexible spending account? If timing allows, set your contributions to save incrementally for your hospital bills. Use these figures to set a realistic savings goal to cover them. Major insurers have tools you can use to get estimates of total and out-of-pocket costs, based on your plan. Then take a deep dive into your health care coverage to understand your coinsurance, deductible, maximums and coverage limits. Even with insurance, new parents can expect to pay heavy amount out of pocket for maternity care.Ĭontact your insurer or the hospital where you plan to deliver to get more specific numbers. Then build a plan for managing the other costs, large and small, that come with having a baby. “This will absolutely need to be adjusted as you get closer to your due date, so having a starting point is priority No.
“Outline all your current income and expenses so you and your partner have a solid understanding of where your money goes each month,” Hargrove says. If you don’t already have a budget, start there, says Cecilia Williams, a mother, certified financial planner and the chief operating officer of Halbert Hargrove, a financial planning firm.