If everyone decided whether or whether not to have a baby based on their financial situation, age etc then the population rate would seriously fall, there is hardly anytime in a persons life where they will feel in a perfect situation to have a baby, there will always be thoughts like "Can I/wereallly afford it?" "Shoul I/we wait till we're older?". If you think you will love your child and provide a stable environment for them, this doesn't necessarily mean an environment where there is a father figure, just as loong as they know they will have food, shelter and most importantly love from you; then you should go for it, yes it will be difficult but you will be able to make it work! Sorry if I'm a bit late replying on here but I though all the negative comments needed to be balanced out!