Hey Kristy

We had the same issues wih our little ones because of the age gap.
We kept our toddler in her cot, and the baby slept in the bassinet for 5ish months or something. Then by then we got a little toddler bed for our toddler and moved bub into the cot.

I think some toddlers are ready for beds earlier than others, but we felt that our dd wasn't ready when the baby came along so we left it a bit longer.

If money is an issue too, I;d just use the bassinet and portacot for bubby and buy a bed later for Byron.

All the best with the rest of your pregnancy!