I have to say, both my husband and I are pretty anal so we like to plan well in advance. We have ordered/layby'ed just about everything now but we are superstitious about picking everything up until we have the 20 week scan.
We just found that it was easier on the wallet to start paying things off now while I am still working full time and enjoying a full time wage packet. That and I am wanting to be organised (and secretly love buying all of this stuff - oops not a secret anymore). I love buying new stuff and putting it in the nursery.
Just to prove what organisation freaks we are, we have already painted the nursery. I figure we aren't finding out sex so just going with neutral colours, we can start getting all of the stuff now anyway. I buy bits every week for the cupboard, even just nappies and baby wipes (whatever is on special in Coles that week).
Lets face it, you may as well be organised now because everything will be thrown in to turmoil when the baby comes so you may as well make the most of it!
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