There are a number of ways to help make child care more affordable, such as simply making out a budget. This budget can even be figured out before the baby arrives. After figuring out your budget you may need to change some things, such as starting to bring lunch to work and eating more meals at home whether than going out to eat. You may need to cut down on some things, such as non-essential items. You will have to decide for yourself which items are considered non-essential items to you.
Credit cards can end up costing a lot because of the interest rate being charged.
To help with this you could try to pay with cash more rather than using credit cards. Child care can also become more affordable by having a relative watch the child. You could even just have a relative watch the child part-time and have the child at a child care provider the rest of the time. You could look for somebody who watches children in their home rather than taking the child to a day care center because a home care provider charges cheaper rates. There might also be somebody you know who works different hours than you who also has children.