Thinking of a 3rd how much money would I need?

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Husband works full time. I'm trying to find part time work. Currently working but it ends after Christmas.

No money saved. People get pregnant by accident and manage don't they? My first two were planned.

I could wait until I get a permanent job but that could take years and id be near 40.

How much would I need upfront and then monthly? X

It depends entirely on your situation. Do you have any spare money now at the end of each months? Can you cut back? What does your husband think?

Surely a lot depends on how much you can reuse from your first two? If you've already got one of each then you'd presumably not need many new clothes. Nappies and milk would then be your biggest expenses. Would you need a bigger car or could you get three in the back row of your current car? Your older two will outgrow their car seats at some point anyway and some hbb are very cheap. A lot of other stuff you can pick up second hand, furniture, clothes, pushchairs, and save quite a bit. Toys, clothes, bedding can all be handed down. The real cost is loss of income for yourself.