Biological clock ticking, want baby but need bills paid in Misadventures of West Virginia Woman

I am 31 years old my biological clock is telling me if i dont have kids soon i may never have any at all. My last strong biological urge was in 2015.The screaming almost drove me insane. I ended up adopting my cat Ziggy from the humane society because cat litter is so much cheaper than diapers. Adopting Ziggy is one of best things I done he is such a Good cat.
I try avoid people with babies. My biological clock holds my womb for ransom! Does every woman hear this scream at this age. My 20s i was fine being without kids.. I think i need to see a psychologist. I am seeing having a child to be financially destructive. I can bearly afford to pay bills for me and Talan how could i afford this?

Talan wants to get me pregnant without Thinking how to afford the bouncing baby bundle of bills!
Any advice?