i like to feel secure financially, which at the moment we are not, DH is unable to work due to injury, he will be working soon, (i hope) and we are about to have a second child. DH has been off work since August and we both agree that the time we have spent together as a family (with little money) has been amazing and we wouldnt swap it for the world! I think when you dont have those distractions you learn to enjoy and love and whole new set of things.
Having said that, once DH is working agian i have a huge list of things i want to do that we havent been able to do while the money has been tight!
a few years ago when DH and i were thinking about kidsand talking with somefriends of ours about wanting to wait till we were a bit more finacially serure first, i remember them both saying ''there is never a right time to hae kids, there will always be something to justify waiting'' i remember the look of love in thier faces when they looked at thier children and realised that waiting to have that was crazy! a few months later we were pregnant! i think you always find a way of managing!