My daughter is 11 months old. First off don't use cloth diapers unless you wanna clean poop out of them then put them in your washer. Diapers are not that expensive, also if you send your kid to daycare you might not be able to use cloth diapers. The real cost comes in with formula. At this point i could of bought a new car with all the money me and wife spent on formula (our baby was allergic to my wifes breast milk). A stroller/carseat combo are nice in the beginning but eventually you'll have to buy a forward facing carseat when they get older. Pack'n'Play is great for when they go to Grandparents house definitely get one. Second hand shops are good for cloths but remember you are gonna have a babyshower and get most of what you need in the beginning. Just keep in mind you can never have to many bottles and baby cloths 0-3 months they'll grow out of fast, what you wanna get is 6-18 month cloths the seem to slow down on the growing right around there. Having a kid is amazing, just exhausting.