I have been there. When my now wife told me she was pregnant the first thing I thought after the whole WOOHOO was finances. She was out of work and I was paying everything. Still that way but better now. The best thing I can say is times will be hard. There is no way to deny that but you control your own future. You could face this looking at the financial problems or you could look at it as a potential opportunity to better yourself. A lot will change in life for you and what you will focus on. Right now we do not have any snakes for multiple reasons but what we are doing is taking 15-50 per a check and just putting it in savings. That is our money for the next thing to go wrong and if we go a year with out a car getting totaled or breaking down or anything like that then we will take half and get some snakes. It will be slow but it is a goal we can achieve. Set goals and stick to them. If you eat out a lot stop... If you smoke quit or cut down.... There are a lot of ways to save money. Something as simple as walking to the corner store instead of driving can save a lot of money over time. Over the past year we went from spending about 1000 a month on fast food and trips to the store and all those little things to spending about 50 on that stuff. Find the little things and cut them out. Also instead of getting the disposable diapers get the cloth ones. They are more expensive up front but in the long run cost a lot less. Have your fiance get on WIC because that will help a lot as well. Also considering you are not married yet and she is pregnant and not working she can get other state assistance. This is the biggest journey of your life and it will be the most enjoyed... Congrats on the little one and after you are done freaking out, which is normal, you will be in the club of the happiest people alive.