<prompt> Human: My wife and I are both 30, live in PA and are expecting our first baby in July. We both work full time, combined yearly income is 50k. Our total monthly expenses mortgage, homecar insurance, phone, electric, 2 credit cards, groceries and a car payment are about 2000. The research I have done seems to indicate that we wont be eligible for any sort of assistance programs for day care since we make too much. We have some money saved, but it looks like between diapers, day care, etc., we will be unable to save any money on a monthly basis, and thus be in trouble if any sort of emergency happens. Does anyone have any suggestions as far as where to look to make this slightly more affordable?  <response>: The biggest cost you will incur monthly is childcare. In Metro detroit I pay 1300month for an infant. How is your income split? Does one of you make more? Thats the biggest thing you need to address. Diapers, clothes, food, etc. are all just a drop in the bucket compared to the expense of a quality daycare. 