Firstly, a little about my situation:
My OH has worked (damn hard) for the last 15 years. I worked also between leaving college and having my 1st DD in 2001. My first DD wasn't planned as such - my oh was told he would never have children naturally (look at my avatar

) and then I found myself pregnant. We hadn't saved or budgeted for having a baby and it did come as a bit of a shock at first.
Because OH was earning £21,000 (ish) and I was also earning part time money (can't remember how much) we were NOT entitled to any benefits, or the SSMG. The HIP grant did not even exist back then. We had got ourselves into a bit of trouble with debts (nothing major) which was our own doing and back then we both were smokers. This meant we had to be sensible and use what money we did have to provide for our baby. We mostly bought 2nd hand things (except cot mattress and car seat) and as the weeks ticked by in pregnancy, we stocked up on formula milk, nappies, washing powder and other expensive items. At no time did we sit back and think "Maybe the government should be paying something towards the cost of my child".
Anyway, we had DD1 and managed - we both had cut back on smoking (really wish we had given up back then though) and also took out other luxuries ie walikng more instead of using the car, limiting 'going out' etc (I'm sure you get the drift!)
After DD1 I went on the pill, knowing that having another child would not only be impractical (living in a very small one bed flat), but it would be very costly. Well, 6 months later I found out that the pill was ineffective for me (hence DD2!).
We did the same - we bought bits and pieces along the way, used most of DD1's things etc and we really struggled, but managed. Again, I did not ever think "oh, it'll be ok, I've got £190 coming to me from the government, I'll use that for......"
After DD2, we moved to a 2 bed place and I was put on a different pill which clearly wasn't effective for me again (hence DD3!) and AGAIN, we budgeted and bought bits along the way! (this was 2004 and the HIP grant wasn't around) Not once have I recieved a "handout" from the government except child benefit.
Fast forward 6 years and in Feb this year I fall pregnant again (planned - ish!) but not too bad for us..... Hubby was earning almost £31,000 and we had cleared most debts and life was going good! Although we had previously got rid of all our baby things, we were happy to start looking around for bits and pieces (ebay

) and buy as we go along.
April this year, hubby was unfairly dismissed from work with no pay (we are currently going to tribunal, but it takes forever!). This meant we had NO income and had to go onto benefits to provide for ourselves and our DD's. Although I do not like being on benefits (and hopefully won't be for too much longer), someone pointed out to me that my OH has paid heavily into the system, and because he lost his job unfairly we shouldn't feel bad about claiming for the time being.
Now, this means at present, I am entitled to the SSMG and obviously the HIPG. I shall be claiming the SSMG and spending it all on baby things (which is what it is there for).