I had the same issues. I made a financial mess in my early 20's...The thing is my husband had to put things in perspective for me.

 

Basically I have really great credit, I may have had a lot of debt but my credit never fell below 800. We lived in a one bedroom condo. He said that if we have a kid my debt would have to take a back seat because all of our money is going to our child. I couldn't accept that I would have ruin my credit.

 

Then I started thinking about paying for my child's college, their first car, and their wedding. Yes it's years away but those are things I wanted to be able to give my child. He told me to wait, and to clean up my debt so we could have a clean start. Because of him putting me on track, my debt is almost fully paid off, we just bought a house earlier this year and are renting out our one bedroom condo and we are trying to conceive for the first real time.

 

I just turned 31, so my plans got put on hold for 4 years, but my life and my marriage are stronger than ever because of it. I know now bringing a baby into this world where the parents are happy and have a  rock solid foundation is the best thing I could have given my child.

 

I have a savings account ready for daycare expenses and I feel good about the decision to wait.

 

Sometimes I didn't make it through thinking of how badly I wanted a child, those feelings overcame me and I cried a lot.  But I knew what I had to do and I had a husband who loved me so much that it got me through. I am no expert but this was my journey and I'm happy. Good luck to you on your decision and everything in life always happens the ways it is supposed to! My story may have fit for me, but it's not for everyone.