we got our cot free from freecycle, it only needed new cot bolts but i didnt like the stain so DH sanded it back and re-stained it a better colour. change table 2nd hand off ebay, bassinet 2nd hand from a 2nd hand baby store, we have built ins so no need for chest of drawers. bookshelf on sale from ikea. our monitor cost us the most, one of the breathing and movement ones cos im paranoid about that. decor was new venitian blind from spotlight, curtain 2nd hand from my mums spare bedroom, pictures for cost price from a craft store that was closing down. oh and rug and various linen off ebay or gifts. original pram 2ndhand off ebay, got a newer better one when we could afford it.
from what people who have bought whole new nursery furniture have said, buy in a package and a lot of places will give you a discount if you buy everything from them, eg all nursery stuff, pram, carseat etc and most offer laybuy as well.