The first time round I justified not following through with a HB because our house was too small. I was well over the myth that you need a big space by the time I had DD. I'm not a pacer! I had enough room. In the end I decided that for everything we had 'enough'
As for baby bonus, we could have used that money for immediate concerns, too, and what we needed we ended up procuring one way or another. If we didn't NEED it we didn't need it. Then I won a friggin organic Ergo and I knew providence was giving just a little bit back!
Don't worry anymore about the PIH - it's out of your hands now and there's no point stressing over it...plenty of other things to think about now