DH is 32 and I’m 27. No kids yet. Can’t decide whether to come off contraception in a few months and TTC or to wait to TTC until summer next year. We’ve been married for over 3 years and we own a home with a mortgage. Basically we have car loan that won’t be paid off (about 500 per month) until spring 2027. I don’t think my work will offer maternity pay so I’d be on about 300 per week statutory maternity pay for 6 months (not in UK) and unpaid if I decided to take an extra 4 months. I pay about 500 towards our mortgage and we were thinking if we waited until the car loan was paid off, DH could allocate that 500 to cover my mortgage payment. From anyone who’s been in a similar situation did you go ahead or wait a bit longer? Was it a financial stretch? We’re saving separately and will probably buy most of the big stuff before I’d actually have to go on mat leave and while I’m still earning my full wage. I’m happy to wait but more conscious of DH age being five years older than me, and the fact we’d want more than one child. We’d also like to go to Japan next year so there’s that! Just looking for some pearls of wisdom really!