Many congrats, and also many relaxing hugs and breaths! lol.
Want to know a not so secret secret? My obstetrician told me that at least HALF of all pregnancies are unplanned surprises. And that even those who are well off worry about money when a child is coming. And that in the majority of cases noone is ever truly "ready" or "not busy and has time" or anything else. Babies have a way of making themselves when they want to be made.
If you are christian, then you might say God sent you a baby now because he felt you needed it now, or the baby needed it now.Everything happens for a reason. You will make it work! I know you said you wanted one, and everyone has mixed feelings when they find out they are pregnant, i have yet to meet a woman who even if they were trying for years suddenly was pregnant and not sure what to think for at least a short period of time.
Keep us posted, and I've got tons and tons of resources on pregnancy, infanthood, breastfeeding, etc - let me know if you are looking for something. I'd be happy to dig it out for you.