Hi Joy, I'm speaking from my complete lack of experience!! hehe, so don't know if it will help you at all!

A friend of mine a few years ago sat and did the math, that cloth nappies didn't really save much money at all. Once you add up the cleaning stuff (eg napisan) and the liners and stuff.

I think cloth at home and disposables while out is a great idea, but I've heard once you use disposables you keep using them coz they're so much easier. hehe.

My mum is actually very good at paying for a months nappy service as a gift (you know where they pick up the dirty nappies and leave clean ones!) so I'm hoping she'll do that for me

I can't help feeling that cloth nappies are more likely to leak tho. I guess someone who's used them can tell us more