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Need advice

So I'm 22 and two weeks late on my period haven't tested yet but I'm going to today.

I've been off of the pill for about 4 months now it messed with my horomones in a not so good way. I've tried different kinds and it just made my body go crazy, And I decided not to take it it all and we would use alternate methods. For awhile it's worked up until now. Oops.

My boyfriend and I have been together a long time. So if I was perhaps pregnant it would be alright. But the thing is, is that

We are finally getting out of our financial struggle but there's still some things that need to be paid off.

And it's a fear of mine to be fighting about money and constantly working opposite shifts, I work days he works nights it puts a struggle on us as a couple. And I fear that a child being in the middle of it would do more harm than good. I know it's a responsibility and it takes two to tango. We would both love a baby just not now.

Has anyone been in the same boat as me?

What has it done to your relationship and how did you make it work?

I'd love some insight

Thank you

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