1 Year Before the Desired Due Date

Check your health insurance. Make sure it covers prenatal visits and the actual delivery. If it doesn't, upgrade to a plan that does, or your baby could cost you about $6,700 before you even hold him or her—and that's only if there are no complications. Encourage your partner to choose an ob-gyn from your insurer's preferred-provider list so you're hit with only a few copays here and there.