I would say don't automatically move to a house or somewhere more expensive when you're pregnant. I was always amazed at the number of my friends who UPPED their costs while pregnant by moving. We stayed in our tiny flat until our kids were 2 and 1 and although it was a squeeze, we never regretted it as it meant I could work part time for a few years. Keep the big costs as low as possible. Also - shop around for childminders - I agree, the difference in costs is astonishing. I pay ?4 an hour per child (term time only, half price in hols and I have to find alternative childcare/cover it with annual leave) but some of my friends pay up to ?10 an hour which I think is crazy considering childminders can have three or four children at the same time. Good luck!