We probably wouldn't be able to rent this house out for what it owes us, there would be some extra needed.

We don't spend a lot of money on luxuries. We eat basically, don't buy anything we don't absolutely need, there are a few things that have come up randomly that possibly we could have said no too, bucks party, birthday party etc...but we would have hurt those we are close to us by not attending.

DH had a brief chat about it, he is dead against selling this house, he says that we wouldn't be happy elsewhere - which is probably true plus, we would have to spend quite a few thousand getting it up to scratch before selling it plus loosing money by moving etc...what he says he thinks he should do is work full time and do uni part time, doing extra subjects over summer school, instead of finishing by 4 years it would be likely 5 or 6. It looks like this would be the best solution.

I guess we underestimated what it would take to do Uni, whist having a family. I told him I would go back full time, again dead against it. He reckons child care would kill us $160 per day for 2 kids, not to mention I would feel like I had done wrong by my kids I get so stressed about this kind of stuff...being pregnant doesn't help the emotions ;(

P.S I want to avoid money stress if possible, it's what broke up his parents i'm sure of it.