I am posting in the hope to make a decision on TTC, so here's my story so far in brief:

DH and I have been ttc for 18 months now with the last 4 cycles taking clomid. So far no luck I am turning 29 in August and DH is 36 in June.
My worry is that we are not financially stable ATM, due to DH having an accident and being unable to work last year. I only work part time because I am studying.
Although I am more than ready to be a mum, I know ideally we should wait. But I worry that the longer I wait the harder it will be to conceive. I have no children yet and I would love at least one before I turn 30!
So I guess my questions are:
Should I wait another 6-12 months to ttc and risk it being harder or taking longer?
Will it be harder the older I get?
Does it matter how old the man (and his swimmers) is?

TIA