hi.. I have been a silent reader of the blogs and posts in Indus ladies. And a lot of theses posts are very useful. I am in a dilemma and hope that all my friends here would help me out with some good advice. I have been married for 3 yrs now and 27yrs old. Now me and my DH feel we should start thinking about planning for a baby. But some times i feel that we are ourselves like kids...my hubby is 5 yrs older than me but we always fight n argue about the smallest and the most stupidest to the most serious things on earth...n I also feel that we both r very lazy..we hate to get up early and always make plans to do this n that but end up lazing around...so i am really sacred that we wont be good parents. Also I have some financial concerns as well my hubby makes a decent living...we are not like fully settled financially..i mean how much is enough...like how do you say that ur r financially ready to have a bay...its not that my hubby makes huge amount... he gets a average salary in which we live comfortably and save as much as we can..but that is because we don't have any liability now...but if we plan to buy house n stuff like that then we need to bring more income into the household...so what do u ladies think...should we be planning for a baby now or wait for some more time...having stated all the negatives...i still keep thinking how wonderful it wud be to have a little one calling me mommy..also my hubby also loves children n is very good with kids..so i am really confused...pls advice.. thanks..