I asked a Rav during my pregnancy. He said if I will lose money by not buying it now, I can do so, as long as it is not in sight until after the birth.
Some stores, like pish posh baby, you can order it, they will hold it for you until you have the baby, and you give a percentage as a “down payment”. This was a perfect solution.
But my suggestion is that you ask your own sheila.