Hi Leigh,

IMO, if you wait till you are financially ready, it may never happen.. BUT, you can make things work for you.. We were married for 4 years before we had DD and would have loved a baby earlier, but we needed and wanted to get a few debts sorted 1st..

But there are ways you can make it work. It is hard going back to work when baby is so young, but if that is what you need to do and want to do, then that is ok. I know a lot of ladies who have had to put children in CC at that age, and while it tore them to pieces, they had no choice. I did it for a while, but then we made some sacrifices so that I was able to stay home again.

I don't think you are being selfish, but maybe if you do a bit more planning and you might find some ways to cut costs so you can afford it now.. GL