I'm sure that if we'd waited until we could have 'afforded' a baby that we'd never actually have one.
What we did was save like mad to have an emergency money cushion. Maybe your OH would be open to discussing saving up for a baby with a target amount to get to before you start trying? The added bonus is that you learn what you can do without before you have to give it up. Once you get pregnant you can put what was your monthly saving amount towards baby stuff.
It's worked for us.
Good luck!

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