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Making a family budget can help you understand your financial situation. Once you've created your budget, check it frequently to help ensure you stay on track. This will also help you see how to reallocate money once certain expenses are no longer necessary. For instance, you may only need to buy diapers for a few years and once that stage of your family life is over, you can look forward to being able to put those dollars towards something else or even save them for a rainy day.