<prompt> Human: Im newly married and was always told Id never conceive. That was fine with us. For 5 years we used my infertility as birth control and lived our relatively broke lives with just a cat and a one bedroom in the hood as we went through college. Then one day I found out I was pregnant. Biggest shock of my life. My doctors ran every test and scan and at 15 weeks, we somehow have a healthy baby in there. I know were in no shape to raise a child, but I couldnt bring myself to terminate knowing we might not get this chance again. So financially, were just getting by. He works at Walmart 30 hours a week while he finishes his BS in electrical engineering. Hes managed to pay off all the credit card debt accrued by his mother. I got my degree in psychology 2 years ago and couldnt afford to go on to getting my masters. I have 30k in student loans and credit card debt from my mother as well, but she is working to pay that off. Due to my physical disabilities, I work from home as an independent contractor. Im looking for a second job and plan to go back into sex work. Im a former cam girl and self-made porn producer who quit due to being burned out, but Im willing to go back if it means making an extra 100 a day.Our biggest issues are our living situation and my lack of a car. Our lease ends in November and we need a 2 bedroom. If we try to stay here and they find out we have a baby, well be evicted. Our rent will jump from 800 to 1000. I also need a car for myself and the baby. While we do have a bus system, I remember being perved on by old men as a girl and just would rather not go that route. Its not a safe neighborhood and I want to protect my child as much as I can.More than anything, we want to learn how to be financially responsible. Our parents didnt attend college and only taught us to survive by any means necessary. Taking out credit cards in your childrens names, taking out accounts in your childrens names. We knew nothing about taxes and loans and debt until we felt its effects ourselves. We want to be better than that. Our parents raised us here and I need to get out. I cant have my child have the childhood I had. Im trying really hard. I cut the cable, cook most meals, use an older cell phone and run fans instead of the AC when I can which is hard because we live in Florida. Hes a bit more stubborn. He bought a new phone that hes still paying for and loves to eat out. He thinks even broke people should be allowed a few nice things here and there but he doesnt understand how that adds up. Were ready to buckle down and save for the baby, we just dont know where to start.Assistant: Youll be fine.Babies can be minimal impacts on your finances. Do you have health insurance? If not, shop around. Hospitals for your delivery can have very different price tags. Dont buy anything new. Baby stuff is the best cared for and only gets used for two years or so. You should be able to get tons of clothes and bedding and toys from family, friends, and garage salessecondhand stores. Read up on breast feeding. If you can do it, it will save a TON of money both on formula and also on diapers formula babies have a lot of junk in their diet that they cant use and it means more diapers and more stink. You dont need any major housing or transportation changes for at least two years. Under two years and the baby is so dependent on each of you that its like you just have an extra backpack or two with the supply bag that you have to carry everywhere. You may also qualify for WIC and other parent welfare. Look into it and take whatever free things you can get. We pay our taxes to help people like you turn their babies into good people. It sounds like you care, and thats the most important step. Human: Thank you for the advice! I do have insurance under my father until next year. Okay for now, but shopping around is a good idea. Ive already planned to breastfeed and use cloth diapers but I will also check out WIC in the event I am unable to bf.  <response>: With breastfeeding, assume it will be hard in the beginning and seek help when it is. Even better, take a class beforehand to know whats ahead. Its a huge financial help to breastfeed, but although its natural, its not always easy. Lactation consultants are an awesome resource if available. 