We got a pack-n-play with bassinet and changing table and used that until our son was 7 mos old (he was still within the weight limit for the bassinet). When we switched him to the crib I bought a changing pad and just used that for diaper changes on our bed, on the dresser.....where ever.
I refused to waste money on a crib set since it's recommended to skip using the comforter and padded bumpers. Instead we got breathable bumpers and various sheets. I layered his mattress (waterproof pad, sheet, waterproof pad, sheet) so when he spit up in his sleep, I just stripped the top layer off and didn't have to put a new layer on the crib.
I never washed my son's laundry separate from ours. I switched to the "free and clear" detergent (any brand, whichever I could get on sale). I put baby socks in a lingerie bag so they didn't get lost. I kept a bottle of oxy stain spray in the bedroom and another on the washer.
We didn't worry about nursery furniture matching because we knew it was temporary furniture. Once we switched our son to a twin bed (at 19 months due to him climbing out of the crib) we got a matching bed and dresser.