<prompt> Human: So yeah, its our first pregnancy. Not a complete surprise, but still stressful nonetheless. Were both employed, just looking for some sense of direction.EDIT: Thanks guys! Everything so far has been really helpful.  <response>: Well, if you arent saving money now and your expenses are sure to increase then you have a problem.x200B;So step 1, figure out where your money is going nowStep 2, figure what extra expenses you will haveStep 3, figure out what you need to cut into order to have a balanced budgetx200B;So come up with a budget that is realistic . Many people come up with budgets without knowing what they are spending money on now and as a result it isnt a very realistic budget so I advise starting with figuring out EXACTLY where every dollar is going now.x200B; 