Totally Scared!!

I know this might sound stupid to most of you but I need help. My husband and I wants a baby. He does not care for when this happens. But me on the other hand is scared. I'm still busy with studies. Our financial statement is not ready and sometimes I think our relationship is also not ready. I need help to calm me down. I know it is going to happen some or other what time. But how do I not stress and panic over small stuff like this? Please help!