If you want to wait until you have enough money you must first quantify what "enough" is for your family. When my children were small we lived on a meager income. I cut corners without them knowing. I wrapped their birthday gifts with the comic section I saved from the Sunday newspaper. I clipped coupons from that same paper for groceries. I had more love than money to give them. I've heard it said, if you wait until you can afford to have a baby, you never will.
Talk to your husband, honey. As long as you have a roof over your head and food in the pantry I bet the rest will work itself out. Having children has been the greatest blessing of my life. I wish the same for you.