Set up a slush fund
You know you'll have to start socking money away for college, diapers, and all that baby stuff eventually, and once you're pregnant, you definitely should. "But even pregnancy itself can be more costly than you'd anticipate," says Katina Z. Jones, author of The Everything Get Ready for Baby Book, between all those doctor's co-pays, new maternity clothes, etc. "Even if you do a little at a time, just $20 a paycheck, you'll feel better knowing you have some type of nest egg set up before you begin trying to conceive. And if you have money left over you can always spend it on nursery furniture or other baby expenses."

Pop a prenatal supplement
"Any woman thinking about getting pregnant in the next three to six months should start taking a daily multivitamin with 400 micrograms of folic acid," says Dr. Wider. According to the March of Dimes, getting enough of this B vitamin before and early on in pregnancy can reduce brain and spine birth defects by up to 70 percent. And the multivitamin itself is packed with other nutrients crucial for a healthy pregnancy, like iron to prevent anemia and calcium for strong teeth and bones. Pop the pill after you brush your teeth in the morning or stash a jar at work and set an e-mail reminder to take it when you first get in. If you hate swallowing pills, they come in chewable form too. Starting the habit now will make it easier to remember once you're expecting.

Stock up on sleep
Bank those zzz's now, recommends Jackie Rose, co-author of The Newly Non-Drinking Girl's Guide to Pregnancy. "Sleep in with your husband on the weekends, nap whenever you can," she says. Most of us anticipate sleepless nights once baby arrives, but many women don't realize that it can be tough to get a decent night's rest during pregnancy -- when things like heartburn, getting up to pee, and adjusting to side-snoozing can keep some expectant moms tossing and turning. It may even help you get pregnant faster -- women who get too little sleep tend to have more problems ovulating regularly than those who don't, studies show.

Find your surefire stress remedy
Some research shows that having crazy-high stress levels can delay your ability to get pregnant (by making ovulation wacky, or by interfering with an embryo's ability to implant in the uterus). If you're an uber-Type A personality to begin with, your stress may ramp up once you're pregnant and dealing with getting your home and life ready for baby. "Take an emotional gut-check now, make sure you feel calm and prepared for this next phase of your life, and figure out what helps you relax best," says Dr. Wider. "Maybe it's sipping tea and watching old episodes of Sex and the City, going out for a three-mile run, or just unloading on your best friend. Whatever it is, if it works for you now, it will help you when you're pregnant or a new mom." Don't have a go-to stress reliever? Dr. Greene recommends keeping a journal on top of your nightstand, and scribbling down 15 minutes' worth of thoughts before bed. Studies show that writing in a journal regularly can help you feel more optimistic and less worried.

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