For anyone having a baby, all I can say is this:
Find a good consignment shop near you, because it will save you 50% or more on your clothes and toys for baby.
I can't say enough good things about "Kids Again" in Northern Virginia; my friend Edwige pointed them out to me and I am in dept to her.
$13 Baby Einstein blocks for $3
$7 baby book for $2.50
$5 for a like-new bathing suit + matching hat, shorts, terry robe and hat.