Thanks all for your help. I guess it really comes down to making a decision.

DH and I have talked about it and he understands that it means changing some things like mobile phone plans and internet etc. Luckily he gets a 30% discount on our insurances because of his work! DH has started doing more paid overtime to test if we can handle having a baby - so far we're putting most of my wage into savings which is a great sign.

I agree with you Goldilocks - a baby can be as cheap or as expensive as you like. I have done searches in second hand shops and eBay and found wonderful and incredibly cheap maternity wear, baby clothes and products. Things starting from a few dollars which is just so reassuring!

Thanks everyone for your suggestions - it's so reassuring to know other women go through this.

Ang