Hi Martha, and welcome to the forum!
I'm sorry, but I don't have any great advice for you. It sounds like you have the answer already -- spend less, make more, or both. And cherish your new little one!
I may be mistaken, but I suspect you are our first member from "the land of honey." I'm glad you've joined us.
"Comprehensive health insurance is an idea whose time has come in America." President Richard M. Nixon, February 6, 1974