mashy's right,
i pay my hospital bills by credit card instalment too. last time i kena $2600 for two bedder package in gleneagles. it helps that i work, so i always have to set aside my pay for antenatal costs. however my baby items are new for my first child. this is because, i know that they're going to get reused as I have more children. no regrets now. coming to three, i saved a lot on brand new stuff i bought two years ago. i only bought those big ticket items like cribs and stuff after 7 months along as i was a big pantang at that time. 2nd child onwards, save a lot, b'cos baby same gender.
i heard of a myth that said, if you use hand me down items, you'll conceive the next one real quickly. don't know how true but my next child is conceived barely months after i delivered my 1st child. then again, we're always very fertile the first two years post-delivery. i am learning this the hard way again. haha.