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My first pregnancy came as a surprise and my husband and I didn't do any special financial planning. We found different was to adapt like cutting back on entertainment, canceling recurring subscriptions, and consolidating trips in the car. It's not always easy but with a little sacrifice you can make it work!
I promise you, you will never feel ready but everything will just fall into place. Breastfeeding is the best way to save money bc formula is crazy expensive. Also cloth diapers which I don't do use but a lot of friends LOVE them! Making your own baby food, hand me down clothes or discount stores. Hope you are feeling less stressed and can relax before baby. https://www.facebook.com/flowerchildacc