Please don't say you just had a newborn baby. If you say you just had a baby, the newborn part is assumed. No one thinks you just pushed a 12 year old out of your snatch.
There are 2 versions of being broke... A guy version and a girl version. Girl version: They can still get their hair and nails done. Guy version: We will be looking like a gorilla and eating from the dollar menu until next pay period.