I know that urge for wanting a child. But it still sounds like you are building a life for yourself. Your parents probably want the best for you as you are still their baby. The same as you would want the best for your child.
I feel, this may sound old fashioned (I am 28 years old) but the best thing you can do to prepare for a child is to have lived your life. I left university after 2 years to help look after my mum and sisters after my father left. I regret not finishing. I am annoyed with myself, because I can't get a job that pays over £23k a year. My sisters both younger than me, one works all over the world earning £112k a year doing a job she loves, the other is buying her own house, earns more than the other one and is again doing her dream job.
How would you feel if you missed out on opportunities such as travelling, new experiences or even being settled before bringing a new person into the world who relys soley on you? You wont be able to work, so will become reliant on other people for support, be it your OH, your parents or the government. You may not be able to give your child everything you want to.
I know this sounds like preaching, but I promise it isnt, I have wanted a baby since I was 13 years old. I waited until I met the right man to marry, we are settled, have our own home and I am in the right place in my life to have babies. I know when they come screaming, demanding and beautiful into my world, they will always have everything they need from nappies to love.