From the sleep deprivation to the midnight feedings, your first child will represent a major—albeit wonderful—shift in the way you live. What’s more, your beautiful addition will also represent a shift in the ways you spend and save.
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Raising a child is expensive—the USDA’s most recent report (2013) estimates the total cost from birth to age 18 at $245,340. So planning for your first child means also examining your finances and your future financial goals.

Here are nine ways to prepare financially for baby in just nine months.

December is the time of year to reflect on your personal and professional goals of the past 12 months, and make resolutions. But don’t forget to look ahead financially. The actions you take in the next couple of weeks can save you a good chunk of change in 2017. Consider these four money moves before you ring in the new year.

It’s the most wonderful time of the year! But unfortunately it’s also the most expensive.

Between overzealous gift giving and the ho-ho-holiday happy hours, December can do a real number on your wallet. Keep your checking and savings account merry, bright, and out of the red with these 25 easy ways to save money this month.

As the year draws to a close, it’s a great time to reflect on your finances—especially if you’re a recent grad who’s newly employed. You’re likely bringing home a significant paycheck for the first time in your life, but also have big-time monthly bills to pay, including student loans. Without proper planning, that debt can easily drag you down.

So how can you balance paying your bills, eliminating your debt, and saving for your future while still allowing yourself a few bucks for fun?

Start achieving your 2017-and-beyond financial goals by asking yourself these key questions: