There are so many decisions to make when it comes to having a child. What hospital to go to, which color to paint the baby’s room, good names, etc.

We’ll let your friends and family help you with those choices — and focus on some smart financial moves you should consider making now and in the near future.

For starters, keep in mind that it’s never too early to start saving for your child’s future. College costs keep going up, not to mention the cost of raising a child in the first place. Did you know that parents can spend up to $4000 on diapers alone — for just one child!

To help expectant parents prepare for the financial challenges of raising children, we’ve compiled some great tips in a convenient PDF format.