When you91裸聊视频檙e caring for a newborn, it can be hard enough to carve out time to shower, let alone stay on top of money tasks.

In the fog of sleep deprivation, you may miss a bill payment or impulse-buy random things online to help with infant care. Suddenly, your credit scores are down and your budget is stretched.

Planning for the baby itself 91裸聊视频� the name ideas, the nursery themes 91裸聊视频� is certainly more adorable than developing a system to make sure you remember to open the mail, but the last thing you91裸聊视频檒l want to do is leave money management up to chance when your baby arrives.

Here are ways to start financially nesting.

KNOCK OUT IMPORTANT TASKS

Take advantage of the pre-baby months to make some big decisions, including:

91裸聊视频� HEALTH INSURANCE FOR THE BABY: Giving birth or adopting a child is considered a 91裸聊视频渜ualifying life event91裸聊视频� as far as health insurance coverage goes. That means you won91裸聊视频檛 have to wait for open enrollment to add your child to your plan, but you91裸聊视频檒l have only a limited amount of time 91裸聊视频� about one or two months 91裸聊视频� after the birth or adoption to do so . Check your insurance plan91裸聊视频檚 rules to know what your deadline would be. If you and your partner have separate plans, compare costs and decide who will take the baby on as a dependent.

91裸聊视频� ESTATE PLANNING: about drafting a will, selecting a power of attorney and health care proxy, and establishing a trust for your child if appropriate for your situation. 91裸聊视频淚f something were to happen to one of you or both of you at the same time, it would just create a myriad of problems for your child,91裸聊视频� says Paul Sydlansky, founder and senior adviser at Lake Road Advisors in Corning, New York.

91裸聊视频� LIFE INSURANCE: A life insurance policy can provide vital funding for your family if something were to happen to you, your partner or both of you.

GET YOUR BUDGET BABY-READY

From smaller ongoing purchases like diapers and formula to massive costs like child care, those baby expenses are going to add up. If you91裸聊视频檙e taking unpaid parental leave or one parent is leaving their job to handle caretaking full time, the money coming in is going to change dramatically.

Start by identifying cuts you can make or bills you can renegotiate to bring down costs. If you have credit card debt and there91裸聊视频檚 room in your budget to pay it down aggressively, that can free up more money for necessities later. Begin to price out expected ongoing baby expenses, like the monthly cost of day care, so you can get a general sense of how your spending will change.

Next, automate bill payments for recurring costs, like credit cards, utilities and mortgage payments. If you rent your home and normally mail a check to your landlord, use your bank91裸聊视频檚 bill-pay feature so it91裸聊视频檒l send checks on your behalf. Set up whatever you can in advance so these services will continue without interruption and late fees.

EXPECT THE UNEXPECTED

Don91裸聊视频檛 neglect to make room in your budget for unexpected costs.

Emily Rassam, a senior financial planner at Archer Investment Management in Charlotte, North Carolina, found herself spending more on self-care than she planned. 91裸聊视频淢y interest level in grocery shopping and cooking plummeted during pregnancy,91裸聊视频� she says. That meant more of her food budget went toward restaurants and takeout.

Rassam also recommends confirming child-birth expenses with your insurance company in advance. She learned, for example, that the hospital she planned to deliver at was in her insurance network but the anesthesiologist wasn91裸聊视频檛. In that situation, getting an epidural would cost more than anticipated.

TAP INTO YOUR VILLAGE

Your loved ones aren91裸聊视频檛 just great sources of hand-me-downs, advice and free babysitting. They can also help with financial tasks, whether that91裸聊视频檚 checking in with you about your money goals or even reminding you of payment due dates.

Lori Gross, a financial and investment adviser at Outlook Financial Center in Troy, Ohio, says neighbors have the same deadlines for costs like property taxes and utilities, so ask them to text a reminder when they pay their bill so you don91裸聊视频檛 forget.

91裸聊视频淔amily and friends are very good about helping out with those things, but a lot of parents hesitate to ask for help,91裸聊视频� Gross says. 91裸聊视频淭hey don91裸聊视频檛 think they91裸聊视频檙e going to need it.91裸聊视频�

91裸聊视频擲ara Rathner Of Nerdwallet, The Associated Press