My husband and I almost ready for kids the trick is...?

Start putting money away now. Cut back on extras and put away every penny you can, then when the time comes for you to stay at home you will have the money to budget until you can go back to work. And dont forget the small tax break youll get.

Step 1-you guys have to sit down and figure out what your bills are each month. Go on the high side for the bills that fluctuate. Remember to save some room for at least a small savings.

Step 2-figure out what jobs can be cut and if schooling is a must. Trying to work, run a household, raise a kid and go to school isn't easy. I was accademically discharged when I moved out. I didn't have enough time to work, do my homework, my share of chores and the occasional family doing with my step daughter-who was 4, so far from an infant, and I had minimal involvement since she wasn't mine and I had a ton of other stuff to do. If you two are brining a baby into the world it is imperitive to the kid that you have at least a few hrs of quality time each day and ample weekend time to spend. Otherwise it just wouldn't be fair to the kid. Look into stuff you can do from home. Do either of you have work from home or online class opportunities? Take them.

bottom line of steps 1 and 2-figure out the bare minimum requirements you have financially and maximize the time each of you can spend at home.

Don't forget to add in daycare/babysitting costs and diapers, bottles, formula (if desired), etc into your costs.

As it stands you guys really don't have the time. It would be more ideal if you were both done with school but to each his own. best of luck.

My advice is ....if you will find it hard to cover your bills each month .....then I suggest you don't have any children , until you're more financially secure . A child / children cost money to clothe and feed , and the older they get the more money you need .