Our friends were selling a cot, change table and rocking chair which we bought from them 18 months before DS was born, it was a bargain and we stored it out of sight, We bought a few new things as a sign of hopefulness while we were TTC but nothing major.

However an friend who has had many failed IVF attempts and a number of early m/c has a fully decked out nursery and she cant open the door. She plans on buying all new stuff should she ever get pregnant, some things are outdated. It haunts her So I think you need to be a bit level headed about it all.

A Baby Bank account is a great idea