<prompt> Human: Edit : Thank you everyone for responding. Ive learned a lot. First, increase our income. I have a personal trainer certificate Im not utilizing and i can see how that will help post baby for sure in so many ways. Create an emergency fund by living frugal and saving. Follow a budget and track all expenses and pennies. Find ways to cut expenses for food and baby needs by utilizing community resources like food pantries, freecycle, and WIC. Go to the library to educate myself of getting out of debt and home buying. Go from there. It might seem like common sense to some of you but these are things I was never taught and hope to teach my children. Thanks again. This is my first post after lurking a long time. Im 27 and my boyfriend is 29, just started new jobs for November. He makes 10 an hour and I make 13 an hour now, both full time hours and possible overtime. We both come from families that have generational poor financial habits. Most likely not ever going to be left anything, it feels like we are starting our own family habits and financial security blanket from scratch.. if that makes sense. Im pregnant, due in December. We want to learn how to start good habits for our expanding family. Details below... We have 1 vehicle we share and its paid off. We pay monthly 840 in Rent including utilities200 food 150 gas 145 auto Insurance SR-22 400 child support we both have children from past relationships and pay 200 each75 cell phone We have about 100 cash on hand currently. No savings. Our credit scores are around 520, debt for both of us equals about 10k each 20k student loans, collection accounts, medical bills neither of us actually has a credit card. These past 7 months have been extremely tough because we were working off 1 minimum wage income. I got laid off the day after I found out my eggo was prego. Going forward we want to make better choices and gain control over our finances... based off this information what advice would you have? Im getting my tubes tied after this baby also so no more children lol Assistant: Your expenses are less than your net income when you are both working. Do you have a plan for child care? If you were both working, you would have something like 1000month you could put towards savings, minus child-care related costs.Human: Im working from home full time and have a grandma who loves babies. Hopefully we wont have any child care costs for the first year. I have to go back after 2 weeks though.  <response>: OP please make sure you do your research on daycares in your area. A grandma that loves babies doesnt mean its a grandma that can take care of babies full time. Its always better to have a plan B and C just in case! Best of luck to you and congrats! 