1st of all I'm sorry for your loss.
2nd of all I don't think any one is ever fully prepared or ready for a baby! Lol!
We are TTC number 3 and some days I think why the heck am I going through this again and most days I'm desperate for my bfp!
We are a one income family, hubby is self employed and had supported us solely for the last 4 years. ( we get a tiny bit of centrelink )
So if you feel in your heart that your ready again then go for it :-)