For many expectant parents, the costs of having a baby will produce major changes to their current financial picture.You need to consider things you’ve never had to think about before.

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If you have tried to reign in your spending and get control of your unwieldy household finances, but still the credit card balance and other loans are heading upwards, you might be ready for a tool many governments and companies have used successfully – zero-based budgeting.

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Some things we keep around, because they keep us in our ‘comfort zone’ might not be new, shiny, or popular — but who cares!? Here’s the good news: we don’t have to “keep” extras of these comfort items on hand anymore… OK – we don’t have to HOARD THEM, because they are still readily available on eBay, or at the dollar store in many parts of the country!

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As you think about what you will need in terms of how much you need for retirement, here are some tips you don’t want to overlook.

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Someone, please help me justify purchasing the iPhone 5! Unfortunately, I don't think you can.

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