It is 3 am in the morning and you hear a wailing. "Waaaah, waaahh," cries the baby. So you thought that having a baby would be all fun and games? That's definitely not true. While a baby can be a bundle of joy, there are many things that you are giving up in order to start or expand a family. Some of those costs include less time with your spouse, less sleep, and indisputably a thinner wallet.

After getting married, most couples like to have "alone" time to just cuddle or be with each other. When one has a child, this joyful addition to the family now takes up most of your time. For example, who would you leave the baby with when you want to take a walk on the beach or just lay out and watch the stars with your hubby? You can't just take the darling...