I want to TTC for our first child. I am 27 in a couple of weeks but I am desperate to start a family. We are currently trying to repay an overdraft of £1600 and should be able to pay it back within four months. We are in the overdraft due to spending money to do work on our house. My head is telling me to wait four months but my heart is telling me to just go for it. Don't know what to do for the best as it could take ages to get pregnant.