Hi there Peachy,
Sorry to hear of this issue with your DH, not sure how to fix him for you though!
My DH used to be the same, we have to pay off the loan, then the car, blah blah blah there is always going to be something and if everyone waited till they were financialy secure there would be very few children in the world.
In the end I just said to DH that this was stupid and that we needed to start LIVING our lives not just going through the motions because you just don't know what's around the corner.
I think it helped to that a couple of our friends had babies so he found out they were'nt so bad after all.
It also has a lot to do with them growing up which can take a looooong time.
I would suggest however not to trick/accidentaly fall pregnant, I think this is a horrible way to start a babies life and can end in resentment.
I have wanted kids for years but I knew DH wasn't ready and now that he is I feel so much better about having one because it will be thoroughly wanted and I am glad I didn't do anything to trick him. (maybe I'm just a prude)
Tell DH it can take awhile, we are nearly into our 12 month ttc, just be open and honest with him, tell him how you feel and what you want & see where he truely is at.
Jo