I had something like that when Jessica first came back from the hospital, there was no electric or gas it had run out while i was in the hosp, it was freezing when we bought her in and i cried my eyes out, actually considered giving her away because i felt so crap...I blame that on crazy post labour emotions
Was all sorted within half an hour though lol.
When i was about 30 weeks pregnant we had a massive bill come through which we HAD to pay so i literally survived on cheap tins of beans for 2 weeks so now i always make sure there's at least 100 in the bank and i have 50 pounds in the house in spare change in a money pot for emergencies.