The only extra's we've spent money on with no 2 as a newbie is girl stuff. We probably could have got away with dressing her in boys clothes too but I refused because baby clothes are so cheap anyway. I got most of DD's clothes from kmart or big w, cotton on kids & target when they have specials or ebay. I bought her some girly nappies just for fun. We use MCN's for DS so we didn't really need them but I wanted them. I'm not too worried about school. We intend to send them to the local public school and I'm hoping by that time, our financial situation will improve. The main extra cost now is that she's in daycare but it's not as bad as I expected.