I used terry flats for about 16 months with DD so spent about $30 on flats, $10 on snappis and about $50 on PUL covers and that was it for that time. We are now on 'fancy' nappies MCNs which I love and will do new bub so I could say that I have spent way less than ever on cloth nappies and I think their value goes way beyond monetary value as well.