I have recently married my partner and all the while we were going out we always said how much we would like to have a family, however I did fall pregnant at a really bad time (financially and generally) and we decided at that time not to keep the baby. It was at the time very traumatic and is now the single biggest regret I have. We have discussed having a family since but my husband always says we should wait til we know we can afford it (we are now both in relatively well paid jobs and have a secure home, but everyday I think about having a baby so much it hurts, I look back and remember the (brief) time I was pregnant and I miss it so much. I also recently beacme an aunt and its soooooo hard, but I am scared to approach my husband about this again, he is a lovely guy and very supportive but I dont want to sound like a moaning harpie.
You really should be able to talk to him about this sort of thing IMO. To be blunt, if he thinks you're a moaning harpie then you may need to consider getting some marriage counselling. If you can't even discuss having a baby then how is your marriage going to cope after you have one - when relationships get even more strained. You say he is lovely - therefore i'm sure he will understand if you approach the subject rationally, calmly and not hysterically. If he says an outright "no" - get him to explain exactly why and when he thinks he would be ready in the future - this will give you a bit of comfort/security that it will happen eventually! Good luck.