Its a shame your OH feels that way, i can see his point and many people would agree but i personally think within reason, there is never a right time to have a baby, once the baby is there, you simply stop wasting the money you were spending on the stuff you didnt need or particularly want. At least thats what happened when my ds came along!
Dont worry chick, your time will be here before you know it, and thank you, i'll let you know know about the test!xx