We put most of the nursery furniture on layby after our NT scan came back all clear. We picked up the layby at about 22 weeks and the nursery was setup within a couple of weeks.
It is definitely personal preference. I was like you, so excited and found it hard not to rush out and buy everything. But like one of the other girls said, look at the baby shops and their catalogues first and get an idea of what you want then make some purchases when you're ready.
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