I used to be the type of person to spend money and not care if I was broke. So now why is it so hard…

I used to be the type of person to spend money and not care if I was broke. So now why is it so hard to plan a getaway without thinking of the $$ I am spending. And its not because of the baby, I already have 4 lol. Maybe its because I am so close to my due date and afraid to go in labor out of town?? But I dont feel worried because of that hmmmm