I'm the same Michelle, I get a Parenting Payment, and the Family Payment. The Family payment went up but the Parenting Payment did not change. I have 5 children already and have gone back for no.6, when I told people we were having this one, we got the usual reaction ( Do you know what causes it yet?). That reaction was what I was expecting but it hurt when they say it. The only reason we have had this one is because we both love children and we wanted a big family.This one has 'evened it out' so to speak. I have 3 children from previous relationships and now dh has 3 children.
After Bella was born, we spoke to the Doctors about having a Tubal Ligation, however they 'refused' to do it, as I was too young! I'm 30 now and have decided NOT to have any more children, not that I don't want anymore, but the reasons I have decided to do this is for medical reasons. I cannot go through the pain of seeing another child go through what my darling Bella has gone through. Patrick has got a chance of being a 'normal' baby and not spending much time under the phototherapy lights, the next baby (if there was another!) could well die.
To have another child is a big step both emotionally and physically,not to mention financially! I might not be a millionaire, but I cope!
This is only my situation, but my advice would be go with your heart!