You've got the crib. The baby monitor. The stroller. The highest-rated-for-safety car seat. You've thought of everything for that newest member of your family. Or have you?

What about your baby's financial future?

We all know we should make and stick to a household budget if we want to be able to sock away savings each month—and end up financially comfortable. But building a household budget as a beginner can be daunting.

Only one in three Americans takes the time to create a monthly budget, a recent Gallup poll showed. (I don't need to tell you the rest of us are spending an inordinate amount of time looking at cat memes instead…)