Admittedly, I failed to track our household expenses for the last months. Yet, I’m quite sure that our expenses ballooned because of Baby C. It’s expensive to have a baby. Milk, diaper, nanny’s salary and vaccines eat up a portion of our household budget. Our electricity went up by 100% too. But the happiness of having our darling girl is PRICELESS! Decreasing the budget for Baby C is definitely not an option. My husband and I agreed that as much as we can, we will only give the best for Baby C when it comes to her needs, comfort, health and education. There are things that can’t be scrimped on. There are also expenses that can be slashed. I assessed our combined monthly income vis a vis our monthly fixed expenses. I realized that our fixed expenses (baby's milk and diaper, utilities, condo unit amort, house and lot amort, lot in Naga City amort) do not exceed 50% of our mon...