Congratulations on the expansion of your family! After the initial excitement, most of you will start to have a panic attack because the responsibilities on your shoulder have just gotten heavier. Taking care of another family member is going to put a dent on your finances but don't get so stressed that you start taking on a part-time job or borrow money. You have 9 months to prepare and manage your financial health before you welcome this bundle of joy! Here are 9 tips on how I managed my finances, which I think could help all new parents embark on a financially-sound future:

Not just love, you need financial planning too!

1) Compare prices of gynaecologists The costs of a gynaecologist vary widely between a government hospital and private clinics. The more popular ones usually require at least an hour of waiting in line so be prepared for that....