But there’s one project I desperately want to finish before the baby comes. For me, finishing this project is my highest priority before the baby comes. He says right before we have a new baby is not a time to be spending money. If your husband is worried about future finances, make a budget and savings plan for after the floors are done and the baby comes. AdvertisementI normally throw in a little extra money ($50-$100) to principal each month just to feel like I’m doing something.