Should i or shouldnt i

[Indadhanu]

I'll just answer one question (like Teagz) and say nope, I wouldn't get a loan that close to my due date unless it was for an absolute emergency, like needing to eat or pay rent! I'd just get baby stuff on the cheap. Just because its cheap doesn't mean it isn't as good a quality (and just because its expensive doesn't mean it is good ), and if you don't have the money to spend theres no use going above and beyond your means just to buy a brand IYKWIM.
(just my opinion on it anyway)

Baby items can be done on the cheap. We bought our cot for $220 from Kmart, it does fine for us and on the losest setting with the moveable side off it makes a great toddler bed, you just have to buy a side rail and there you go! Easy as!
Our car seat was from Big W, $150 at the boxing day sale. High chair (not that you need that yet) from Kmart for $98 on special. Bought a 'Safe and Secure Sleeper' which went either in bed with us or in her cot, so we didn't need a basinette, for $50. Pram from Kmart, Steelcraft 4 wheel reversible handle, for $140 on special.
In the end we paid less than $1500 for absolutely everything, including bedding, cloth nappies, nappy accessories (creams, wipes...) and clothes etc.

Most big department stores are due for a big baby sale in January/February. That's cutting it fine time-wise BUT some have a policy of if it goes on special while its on layby they'll reduce the price to the special price. It's a bit of a gamble not knowing what going to be on special but if theres something you want anyway then I'd go for that - layby it early december, pay $10-$20 a fortnight until it goes on special, get the price reduced, and then get it out.

We also laybyed everything, so easy and heaps better than a loan cos no interest