this is a tough one
have you done a estimate on the fao site?
you can put in all the details as they would be if you were a stay at home mum
we just did this as we are weighing up wether it is going to eb more finacially sound for me to work and pay almost 500 a fortnight in child care fees for 2 kids or stay home and not have child care.

have you maybe looked into 1 day a week of a pre kindy style child care for next year so one that runs similar to school hours and only on school days so they have hollidays etc. we have a few of there around here and they are perfect for teh SAHM's and the kids as it keeps that social environment up.

and it depends on what you woudl eb going without to pay for her day care?

you may get some benefit back from centrelink like CCR once your not working or some extra FTB a or b.

its a tough choice i know we are trying to make the same choice as you.