Biblical question on premarital ...?

I'm in a relationship (not married-will be one day) and we have a child. I am a Christian and try my best to serve the Lord everyday. My boyfriend and I are not married, but are planning on it, and we are planning a life together. We will get married one day, but right now with jobs/money etc aren't able to right now. I know the Bible talks about ual immorality and non-marital isn't good because God intends to be a union between two people only. God just doesn't want us to just have with anyone, it's supposed to be sacred. Now is it wrong that we have , although we are planning a life together and will be married one day but aren't yet? We aren't being immoral and doing it with other people, and are commited only to each other...