The other thing you could do is set aside some money each pay so you have the money there when you're ready to shop. What if you ended up with twins or triplets? It would be more of a hassle to have to take things back and swap if that were the case. You then won't have loads of stuff sitting around the house while you TTC. Plus if you put it in a high interest account you could be earning on the money you're saving until you're ready to buy!