When should I think about looking into fertility treatment?

Hi everyone!  I am 30 almost 31 and have been trying for 6 months and 3 of those using okps.  My husband is willing to seek treatment but wants to wait.  I'm super worried there is something wrong and I've had this nagging feeling for a long time that it would be hard for me to conceive.  I have not been on the pill in 9 years so I don't have any of that to worry about.  My cycle is very regular every 26 days and I'm ovulating on day 15.  I know I need to be positive but as many of you know it is so hard.  Especially when so many people get pregnant without trying.  Comparing myself to others is pointless yet I still do it and it makes me feel like less of a woman.  Our insurance does not cover any fertility treatment so if anyone knows how we can do it affordably please share.  Thank you all in advance for your input.