2018 was the year my life changed forever, as I got pregnant and gave birth to my firstborn within this year. Once you have a life you're now responsible for, and one who's so vulnerable and completely dependent on you for their survival...your whole world undergoes a massive change. Gone were my days of quiet, personal time and being able to work / write without stopping; now, I've to drop everything once my baby cries and go to tend to him. But of course, a baby comes with huge costs as well, and we knew this would significantly affect our finances from here on. I will no longer be able to skimp and save as much as I did before, now that my income will need to account for another human being as well. With the year coming to an end, it is time to look...