When it comes to saving money, people often overlook an important variable: the season of conception. Not only can your baby's time of birth affect his or her health -- there may also be a big impact on your wallet.
Raising a child is also an enormous task and its intensity cannot truly be imagined until it's experienced. Every aspect of your life will change when you have a child and parenting will account for much of your time. There are years when it may even define you!