The new year can often be a trigger point for many people to review their financial plans and strategies for the year ahead and beyond.

Ah, Christmas! - the time of year when your bank account shrinks, your social calendar explodes, and your family dynamics resemble a poorly scripted soap opera.

It can be surprising just how much you need to spend before your baby even arrives. There are services and classes to book and pay for, as well as obstetrician costs to consider.