well i don't know if i really plan on getting married - don't see the point of it, really. as for ready to have children, I am. Sure I'm not in the BEST financial situation, but it's not bad, I'm confident I could handle it if it were to happen (certainly better off than my cousin who was pregnant at 18!) [don't forget, I'm in Canada so a lot of expenses you may have down there are diff, and i think maternity leave here is better].
Now, I do agree though staying on the pill or something else if you're not ready - also my doc once told me the risks associated with BC are much less than all the problems that can occur with pregnancy, so yeah it's usually better to stay on the pill. I just have decided that preventing pregnancy is not a high priority anymore. And like i mentioned, it's not like I'm getting any action to begin with. Maybe if I were to get back into a relationship, I might start again.
I have a friend who uses IUD and she loves it. I just get squeamish at the thought of that procedure though (although I'm not usually squeamish about much - heck I've seen my own cervix! thanks to the doc and a hand mirror
)