Budgeting can be hard with a new baby on the way. It’d be easy enough to write off the exercise completely. But a good budget doesn’t just affect how you spend your money today, it affects the options available to you – and your growing family – tomorrow.

One of the best ways to save money may actually involve doing nothing at all: Lifestyle creep is a sneaky phenomenon in which the more you make, the more you spend. As you advance in your career and start earning more, it’s only natural to scale up your living space or loosen your grip on your going-out expenses.