Having stable finances is liberating in the sense that it equals well-managed and organized finances. Yet, the most enjoyable and happy occasion in a couple’s life is the extension of the family unit. Whether this is through pregnancy or adoption, the joy is all the same.

The trouble, however, begins when your finances are not in a suitable position to accommodate the needs of this new individual. A clear sign of this is debt. When your finances are causing you stress and unhappiness, then you know that you are not ready for the responsibility of added financial strain.