Money - We were very concerned about income, but just as the wise Ian Malcolm taught us all in Jurassic Park, "life finds a way". We have a kid in daycare now costing us $850/month. I have no idea where the money comes from as we make exactly what we made before, but everything works out. You adjust your life and everything fits. It was mentioned before, but your entertainment budget goes through the floor because you aren't generally going out, drinking a ton or eating crazily.
If you want it to be cheap, having a kid can actually be done on a budget. Some parents go straight off the deep-end and spend thousands on each item. Kijiji is your friend. Second-hand clothing stores are AMAZING and you can get great stuff for a couple of bucks. Don't forget kids don't need much. Love them, hug them and give them a box to play with. They don't need a $150 anything with flashing lights and crap.
Monitors - Personal experience here, but getting rid of our monitor was one of the best things that ever happened to our sleep patterns. I was hesitant of this as my wife heard it through a sleeping class she took. We got rid of the monitors and I immediately noticed I wasn't waking up in the middle of the night staring at it. Babies sound like they're drowning all the time and it bothers me. I'd sit there unable to sleep just waiting to see the little sound notification light flick on. It was brutal.
Worrying - I have unfortunate news. It'll probably get a lot worse and it won't go away (apparently it keeps going until grandparenthood). The good news is that it exists because you'll love your kids unlike anything else. I wouldn't trade this for anything, but there are times when it is really truly scary. The only thing you can do is try to be realistic. Baby proof to the best of your ability and know that your kids will hurt themselves (sometimes pretty badly) but that's all a part of growing up. Everybody has a few horror stories to tell, but it's all worth it.
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