Thats a hard one scorpio- only you guys really know the limits and boundaries of your finincial situation. But consider this- first you have to conceive (hardest part), then you get to carry for 9 months- which wont cost you much save for the extra food you may be eating!! Alot can happen in 9 months!! And then if you breastfeed exclusively for 6 months the bub will cost next to nothing (you already have clothes and baby gear from previous bubs). Although the other items (bigger car, house etc) are considerable!!
If you wait until next year at least your DH will have the rest of the year to find a good job and get into a stable financial situation.
Personally, I think that summer is the best time to conceive- so you don't feel like a massive swollen whale in the hot summer months, and as the weather gradually gets colder, you gain more padding. Then you can pop the baby out in spring (like the animals do- lol) when it is neither too hot or cold, and you have a couple of months up your sleeve to slim down in time for the stinkin hot summer again. Perfect!! At least that was my aim for THIS year- not sure if it has worked yet......

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