I also pay off a loan.
However, before I had children, I was already thinking about whether I could currently afford a child or not.
I also put money back every month to cover the acquisition costs.
Of course, the money is tighter than before. But we still get along well. You save in other places.
If you don’t have enough money, you have to go back to work or your husband should look for a part-time job.
If you don’t want to save where you can, only buy used things, cook sparingly and cancel expensive unnecessary contracts.