Wow, three newbies, welcome all!
NappyObsessed - My DD is 13lbs and on the tightest settings for Sandy's and they're baggy , are you sure your DD is 13lbs?!
Davidbowiescodpiece - I've not tried a Fuzzibunz before but I can't imagine stuffing it with a nappy would be suitable! You could stuff it with inserts/boosters/pre-folds, but a Tots is a nappy in its own right and really doesn't need to go inside a Fuzzi!
As for nappies being cheap ... well they are, if you stick to 2nd hand and buying only what you need, and not buying expensive brands. I however have got hundreds of brand new Ittis, they'll lose £3 per nappy when I sell 2nd hand, and I have for some unknown reason bought a load of BBOS which I just don't need .. at all! But they're just so nice! I've got five ffs, they are totally surplus to requirement, but that's addiction for you!
Everything I bought 2nd-hand I've managed to sell for what I bought it for, so not lost any money there, but I have lost money on a few things that I bought brand new and then didn't like (Bumhuggers, arrgh!).