Is it wrong to "trick" my husband?

Husband goes back and forth every few months about ttc. In September, it was "let's do this, I'm ready!" Most recently it's "no, not until we pay off our credit cards." -_- I'm still having sex knowingly over my fertile window and I am purchasing ovulation tests tomorrow. Am I horrible? I know he will love any baby we have... I'm just not sure what the frickin hold up is.

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