<prompt> Human: We really appreciate any feedback you can give us on this. Thank you!!! Link to google doc budget. Link to budget on imgur.Just to pre-empt this a bit:Baby is coming in two months. Wife taking 12 weeks of paid maternity leave then returning to work. This is our post maternity leave budget. E-fund at 13,500 One IRA Vanguard VFFVX fully-funded each year with extra two paychecks, currently at 16,000 Home Repair Fund at 900 and growing just started this Savings for next vehicle just started Saving 2,500year for 529 wont cover full college costs 4,000 buffer in savings to not live paycheck to paycheck RetirementMy wife and I both are on a state pension plan and hope to retire with this pension plan. Also, we have one IRA.FoodI also think 450 is high for groceries, but over the past 6 months thats roughly what it has been. We will continue looking for ways to bring that down.DebtMy student loan will be paid off through the federal teacher loan forgiveness in 22 months. I would have finished paying it off, but if I pay the minimum for 22 more months the government will pay of the remainder of the loan. Other than that we have no debt. TuitionSummer HousingThis is for my wifes grad school I will be finishing my masters in two weeks.Spending MoneyThis will be eaten up by baby expenses.Assistant: 1. How do you guys only spend 25 on cell phones? Usually you dont see that so Im finding that kind of impressive.2. I personally dont think your grocery bill is particularly high. Feel free to try cutting down but unless you feel like youre wasting food by throwing stuff out I dont think its too bad. 3. I think the baby is going to eat up well over the 100 in spending money, especially if you plan on disposable diapers formula. Most people plan on breastfeeding, so Ill assume youre planning on it and Ill assume your wife is successful send her to rbreastfeeding for lots of support and tips - that will save a lot of money. If your daycare will allow it, Ill also recommend cloth diapering. A bit extra upfront but the cost savings is huge long term and if you plan on more than one baby, its super duper huge check out rclothdiaps for more info. Other than that I think your budget looks pretty good. I like that your starting to save now for your next car, and your e-fund is solid as well. Just some quick math with your bills and I think right now your e-fund would last you 5ish months if no income was coming in and you were only paying some of the more required expenses. Probably unlikely that both you and your wife would lose your jobs though. Plus you wouldnt have to pay for daycare if one person wasnt working. So really your savings are quite solid. Human: 1. Republic Wireless. We are both on the 10month plan so taxes is like 24.XX. It should be noted that you have to buy the phone upfront for us that was 450 for the two phones, but after that its no contract and weve really liked the service sprint towers with free roaming I think. Previously Verizon customers, liked the service but not the bill.2. Okay, thanks. Maybe I shouldnt fret about it too much then.3. Okay so, we will definitely check out rbreastfeeding and we do plan on breastfeeding until 12 months, assuming everything is successful. We are doing cloth diapers and friends of ours have lent us a set of 0 - 6 months, BUT I forgot to consider that our daycare provider may not allow cloth diapers, so Ill have to ask and I think the likely answer is that they do not.I do wish that we had a little more money after budgeting for everything we think we need, just so that I dont have to make cuts if something changes, which candoes happen.Youve given me a great perspective on things. Thank you very much!  <response>: In regards to the cloth diapering, you can always do part time cloth diapers as well. Especially if you got the 0-6 months cloth diapers for free its like a no-brainer. One thing about cloth diapers breast fed babies is that their poop is water soluble so you dont even have to rinse the diapers or anything. You can just put them in a bag and then straight into the washing machine. Its once you add food that you need to dump the poop beforehand. So perhaps at least until you start solids daycare might be a little more inclined to work with you on the cloth diapers if they dont have to do any work. Then with part time cloth diapering, just send the baby to daycare with disposables and change to cloth for overnights and weekends. It will still reduce costs, again, especially if you got some free cloth diapers! 