Playing, IMO and E, money is always the problem, it doesn't matter if you are on £10,000 or £100,000 (find the thread on MN where someone was complaining about £150,000 a year not being enough, made me at first, but then she explained more or less exactly where she spent the money, and it all became clear!)
When we were TTC'ing DS1, DH was on something like £17,000 a year, I wasn't working due to having to leave my job, and then not wanting to start another when we were TTC'ing, we supplimented with credit cards, OD's and loans (same as you, worst way to do it!) we were renting then due to DH having a mortgage with his ex, who wouldn't sell, blah blah blah, eventually their old house sold at a loss so that meant more debt... anyway, we knew that all of the outgoings were under control, and we knew if we waited till we had no money probs, we'd be waiting forever. Over the years one by one we've got all the debt paid off, all but one of the credit cards have gone, and we pay whatever we use on the credit card at the end of the month (saves us carrying cash all the time), so there is never a huge ammount on it anyway. DH is earning nearly treble what he was when we first got together, money is still tight but we have enough for what we need and a few treats here and there. In fact looking back now, how the hell we survived on so little and still led the lives we had, jeez, it's anyone's guess!
Anyway, point being, (I'm getting there!!) if you wait till the loans/cards are paid off, there will be something else to consider, new car? Rising cost of living? Something could happen with your landlord and they need to sell etc. In prep for TTC'ing DS1, we moved from a flat to a house (still miss my lovely little house!) Bought a new car, had all the debts finances under control, I got pregnant, DS1 was born, 6 weeks later DH was made redundant, it was all cocked up again. There is always something, and whilst safeguarding as much as possible is never a bad thing, you do have to kind of weigh up safe guarding against living, and doing what you want to do, does that make any sense? This time the baby is due in January, in February our nice and low fixed rate is up on our mortgage, we know for a fact our mortgage providers at the moment aren't re-mortgaging to even existing customers, so we are more than likely to be up the creek without a paddle again, but we can't hang around and wait for it to happen.
Am I dragging you off that pimped up wagon yet?!