I think your relationship and stress is worth a million times more then being bankrupt for 5 years. BIG DEAL.. 5 years is nothing, save what you can during that time if you can. Otherwise you and your partner have each and that is the most importnant.

Buying a house is to me so not important.. it will be nice one day down the track but having each other and being stress and being a stay at home mum is much mum more important then buying a house or a car or getting a personal loan for something.

Good luck my dear!