We were in a similar situation as you Scorpiomum, but DH is employed.
We decided to go for it. I'm not getting any younger (33) and I have already had 2 losses... Because of my risk factor for fetal abnormalities, I don't want to risk any babies after 35. We need a bigger house, and we need a bigger car. I am only 10 weeks pregnant with what we're hoping will be our #4 earth baby... so we have at least 30 weeks to arrange those things... because we're renting it makes it a little easier, and we have 2 cars, so our worst case scenario would be using 2 cars for a little while.
Ultimately, we wanted a baby more than anything, and that is what we chose for our family.
I hope you can find what is right for your family too so that everyone is happy
BOL and loads of success for when you do start TTC