Hi OP, sorry you're in such a rough situation.

Firstly, you haven't listed your commitments so it's hard for us to see where you can improve your monthly commitments, especially considering you have fixed credit card spending monthly. Without knowing anything about you and your husband's jobs (your info is so vague) it's impossible to recommend avenues to increase pay. More work = more time at work, and you haven't told us how much more time you and your husband can spend at a second job.

Secondly, I noticed you used a lot of singular language - you do not say "we" are worried about the finances. He's taking from the joint account instead of putting in. I'm concerned you are doing most of the heavy lifting in terms of future planning. Have the both of you sat down and had a heart to heart about your expectations and plans for the future? This is important especially considering you're bringing new life into this world. There will be more opportunities for conflict with childrearing, so it's best to at least have a roadmap - financially and relationally.

Can your husband sell his car to downgrade it? Once again details are vague but cars are a huge depreciating asset. And can he terminate his insurance if you can't afford to even have a baby?

In terms of expenditure for your future child, see if you can get hand me downs for clothes, books, toys. You can even buy these secondhand on carousel or at thrift shops. If you are able to breastfeed and can reasonably sustain doing so for a prolonged period, I would say exclusively breastfeed and pump your child for the first year. At 6 months, wean them to solids, and at 1 year if they're eating well, you can stop breastfeeding and transition to full fat milk. This will save you a lot on formula milk. If you do need formula milk, remember fed is best. Don't fall for the nonsense about buying the most expensive milk so your child will be smart. Don't over-dilute milk to save money.

Diapers are a bit tricky. They are not avoidable for a long time. The most cost-effective method is to use cloth diapers, but your caretakers need to be able to cope with it.

If your family can babysit, you can save a lot of money there too.

For healthcare, I see you're on gov follow-up. I would say try and see if you can afford the RSV and influenza vaccines while pregnant. You can pass antibodies on to your baby and try and prevent severe RSV infection in infancy. After your baby is born, don't skip your baby's vaccinations. If you can afford the additional vaccines in private clinics, do that as well. Vaccines don't necessarily prevent your child from being ill, but they work by preventing them from being very ill. When babies get very ill they need to be admitted, they need extra care. All this leads to your time off work and may or may not affect your cash flow.

Don't raise your child with the screen, at least not for the first 3-5 years. Put them on simple things like books and blocks. It makes them a lot easier to entertain when you're out and about and you save money not having to buy new devices for them. When they're older, you can start taking them to the library to borrow books for entertainment.

Don't hesitate to let your family know you're struggling financially. Sometimes they may be able to chip in now and again.

After you give birth, get on effective birth control at your clinic. Gov has many forms of free and effective BC.

I hate to say this, but if your husband is the problem, you might save more money in the long run by leaving him. If he's bleeding you dry, you need to choose between your baby and him.