Considering conceiving

My husband and I have been together since we were 16 (over 8 years) I'm 24 and he's 25 and our relationship couldn't be any better. I'm so blessed to have my husband as my partner in life. Recently though we feel like something is missing we are ready for a baby but unsure about the timing. He is a health and phys ed teacher who is currently still trying to get a teaching position but in the meantime he does still work.  He is a supervisor at a retail store and also works at a summer camp with children who have autism. I am an insurance agent and financially we are not overly comfortable but we pay our bills with out struggles and always have a little money leftover. We don't own a home yet but wouldn't want to until we know exactly where we are going to live. basically I know everyone says you are never completely ready but I don't want to make an irresponsible decison. We have discussed this for the past year and I think I'm just extra nervous bc I finally went off birth control. Is this normal?