Thanks for the replies...gee it does suck doesn't it LOL
I guess we could hold off on the pram for a month or so and use the first couple of payments to buy it but it would make life easier if we could just buy what we need as soon as the baby is here! Unfortunately we wouldn't want to apply for a loan, we have just finished building our first house which is why we are rather stretched for cash at the moment.
Hopefully my hubby will get a good tax return and we can use that for the things we need!