i think its harder the first time around to 'not' have everything for baby.. if that makes sense... with DD we bought all the bits and bobs.. i bought things like bottles/sterilisers/dummies ''just in case'' and never touched any of it!
this time around im happy using all dd's pre loved clothes... no change table/baby bath, hiring a capsue instead of buying a second car seat... im stocking up on nappies this time around.. which is one thing we didnt buy before hand with dd!

it is hard to prioritise when you dont know for sure what you will and wont need. but even if you use the BB installments to pay off laybys or purchase things, your baby wont know he/she had to wait a month or two for certain things.

places like kmart and target always have % off kids and babies clothes... so dont be upset if you feel you're missing out on sales or whatever.. i have learnt that! if you're planning a baby showe, hint for gifts of things you will need (nappies/wipes/000 clothes/blankets) - i'm not one to have a shower just to receive presents.. but people do insist on buying presents.. and id never turn up to a shower without a gift!