If you paid yourself first you wouldn't feels so bad about your finances. It's important to save as much as you can, not for a rainy day, save because you want money and money attracts money! If you aren't good at saving, start today! Give yourself 10% of your paycheck if you can. If that's too much then start with a smaller amount and don't touch it! Use direct deposit and ask your financial assistance at your bank to help you.Buy a card for the baby shower, you are building your account first before you choose to buy birthday gifts, baby shower gifts, house warming gifts and holiday gifts- your goal is to get on a better financial track and pay yourself first!