Having a baby: How much does it cost?

Marcus Bellamy is a Certified Financial Educator (CFE) with over 11 years of experience helping Canadians navigate short-term borrowing, debt management, and personal budgeting. He has coached more than 2,400 clients across Ontario, British Columbia, and Atlantic Canada, with a focus on practical strategies for people living paycheck to paycheck. Marcus began his career as a credit counsellor at a non-profit financial literacy organization before transitioning to independent coaching in 2016. His work has been cited in personal finance guides distributed through community credit unions across Canada. At Captain Cash, Marcus reviews and contributes content on responsible borrowing, loan repayment planning, and building financial resilience. All articles he authors are reviewed for factual accuracy against current Canadian lending regulations and APR disclosure standards.