Having a baby and starting a family is a glorious thing, because it means you are at a time in your life when having a baby and bringing a new life into the world seems like something that you'd like to do. Suppose you have been married a few years or have just been married or are seeking to have a baby, there are a number of factors you ought to consider when determining if it is the right time for you to start a family.First, consider your financial situation. How are you in the way of savings and income are things you want to think about as you take in the cost of having a baby and all of the things that go into it. If you have a stable job or have a partner with a stable job, then that is a good indicator that the time is ripe for a child. Or, if you have a lot of savings, then that is another good indicator that the time is good for having a child. You want to be sure that you take into consideration all the costs of having a child and how the amount of money necessary is an important feature.If you are steeped in debt or have just bought a house and car and other expensive things, then the time to bring a new baby into a world of credit card bills and unpaid expenses might not be the best thing for you or the child. You want to be sure you take the financial aspect into consideration before you think about whether or not it is the right time.Next, you want to check up on your free time, too. If you have a demanding job and it takes all hours of the day, you need to think about who will be able to provide time for the baby when he or she is born. Will you be able to take time off work and lessen your work schedule so that you can care for the baby in her or his first years? Or will your partner be able to? If you are able to rearrange your life in such a way as to clear a path for the child, then this needs to be taken into consideration when deciding what to do about a baby and whether or not it is the right time.Choosing the right time can always be a problem, because life gets busy and stressful and you might think that no time is really the perfect time. Of course not, but there are times when you can sift out these more major factors and determine if it is the right time to have a child or not. And when you do, you will be able to make an informed decision that will help you with your family planning.You also want to take biology into consideration and plan things around the clock of the healthy ages to have a baby, as well. Plan how many children you want and take that into consideration.