How did you decide you were ready for a baby?

This past summer my boyfriend of 3 years(23) and I(22) moved in together and I accidentally got pregnant right away. We weren’t trying, wanting, or ready for a baby but we weren’t mad about it either. It just happened. We were starting to get really excited and even announced it and on my 12 week appointment we found out I had a missed miscarriage. We were both pretty devastes but decided not to get pregnant again until we planned it. Instead we got a puppy! It’s been about 9 months since everything happened(my due date was gonna be January 3) and my boyfriend is always saying he wants a baby now and I do too but for the most part it’s just talk not really a definite decision. I’m still on birth control and we’re considering it but idk if we are ready mentally, physically, or financially. My boyfriend had a decent job he makes about $23 an hour and I have an alright job where I make $13 an hour. I know that’s not a lot but we don’t have many costs(we rent a trailer for $300 every other month + some bills) and we’re still paying off our cars but I’m almost done and he doesn’t have much left either. All in all how did you know/decide you were ready to start trying for a baby?