I've desided

I'm not sure why I have these thoughts but. I have it set in my mind that I just dont want kids. I've been out of work since july and my bf doesn't make alot of money. Just barley enough to pay the bills. Cant aford them. I know in the future it will be the same...I dont want them. Been trying for over 2 years and it came to a point where whats the point. I dont even know if I want to tell him. Ive ccut him off from sex for a few weeks now. Just dont want it.. in all reality is this a bad depression coming? I just give up.. sorry guys wish you all the best of luck.