Waiting to ttc

I have recently been so so broody that I am getting depression. It feels like everyone around me has kids, and I want so badly to be a mummy it hurts. Luckily I have found the right guy and he wants kids too, however I have student debts I need to repay still. I am also still in my probation period at work, and have to wait until that's over before ttc, otherwise I will not be entitled to maternity money or healthcare (brit living in Germany). We have decided to wait one year and start ttc next year. But all I can think about at the moment is babies, and how I am literally throwing a perfectly good egg away every month. I am 28, will be 29 next year when we plan to start trying. Not that old, but who knows if we will run into problems!

I want to badly to be ttc right now but cant! Anyone else been in a similar situation?