Check out the DIY section for plans to build an incubator out of a large cooler (Igloo-style). If you don't have the thermostat yet, I'd go this route because it severely cuts into your total budget. You could still try to do a mini-fridge (or full-size), but you'll need to watch free classifieds (Craigslist, etc.) pretty diligently to make sure you aren't paying for that piece (or not paying much). I got my fridge for free, so my Herpstat + flexwatt (pre-wired) + thermometer + tubs + substrate/light diffuser + fan probably totalled <=$200.
With your first girl due only 4 weeks from now, you should pick whichever "box" (cooler, fridge, etc.) that you can get the quickest, get your thermostat on order now, and get everything assembled and ready ASAP. I had my incubator running a full month to get everything tweaked the first season after I built it. This year, it only took a few days.
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