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If buying clothes for yourself is hard to resist, it’s doubly so when shopping for an adorable baby. Develop that discipline now, since baby clothes—even lovely ones—will likely fit your newborn for three months or less. Nabbing used clothes and toys from friends’ and siblings’ children will save big money.

No matter how hard you try, you can never be fully prepared for the life change that is a baby. All the same, getting your finances in shape beforehand will give you one fewer source of anxiety as you start out on this massive adventure.