Being a new parent can be… a lot. A lot of joy and bonding and truly overwhelming love, yes, but also a lot of fatigue, a lot of diapers, and a lot of new stuff. That means a lot of new expenses, too. Before you know it, you’ve amassed so many bedtime books and educational toys that you’ll begin to wonder if your baby’s college fund will be completely wiped out before their first tooth comes in. When you’re exhausted and — probably literally — elbow-deep in the chaos of the newborn stage, the last thing you want to worry about is your budget.

That’s why I love Klarna, which makes shopping and paying for all of the necessities (and endless accessories) of parenting smooth and affordable. It’s perfect for holiday gifting, too, when we all want to spread the most joy without spreading ourselves too thin, financially and stress-wise. And if you’ve never heard of this must-have hack, get ready: It’s a secret parenting weapon that will save you both money and sanity.

How Klarna Works

Here’s how it works: Just shop for baby essentials or tired-parent pick-me-up gifts at your favorite stores through the Klarna app, IRL with a Klarna card, or anywhere online with a browser extension — and then, simply checkout with Klarna, which allows you to pay in whatever way fits your budget. You can spread the cost into four interest-free payments* over six weeks, or even defer payment longer with a financing plan.

Why Klarna?

With the Klarna app, you can track your orders, manage your payments, and see how much you owe at the touch of a button, not to mention discover new brands, shop stores you love, and even earn rewards on every purchase. Think of Klarna as that savvy shopping buddy who always has the inside scoop on the best deals. It can pretty much do everything, after all, except hold the baby while you take a shower (sadly, as of yet, there’s no app for that).

So this season, whether you’re buying presents for a new parent in your life, for yourself and your family, or for a brand-new human who can’t sit up straight without being strapped into an ergonomic, BPA-free chair shaped like a ladybug, do yourself a favor and baby-proof your budget with Klarna. To help get you started, shop my curated selection of must-have newborn products and gifts below.

*Disclaimer: CA resident loans made or arranged pursuant to a California Financing Law license.

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