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There is an old saying and one that has a lot of truth in it, 'babies cost a fortune.'

Most new parents are surprised at how cash-draining a new baby can be. How can such a small individual eat into so much of the family budget?

Fortunately the expenses do not have to be incurred all at once. Planned or unplanned you have nine months (give or take) to prepare for the event and make some plan to deal with the undoubted expense that a new baby brings. There are several steps that ex...