My DH was the opposite. He knew it was going to be financially tough as did I. But this was one of his main reasons for not wanting to try for a baby. I then saved my butt of for 2 years and saved $ just to prove to him that we could afford a baby and now our baby is almost here.

As for Centerlink. The new baby bonus 'means test' will affect you. If you both earn more than $75'000 combined income over 6 months then you wont get any assistance. But if you earn under that combined you will get some assistance. And I think it is something like $380 a fortnight. My DH is in IT and although he does not have his own business he is on OK money. But because I will not be earning a living in that first 6 months we will be under the $75'000 combined income so we will get some assistance for at least the first 6 months.

I will go back to work part time after 3 months (at this stage) but I can work from home. Then after 3 months of doing that I am back at work full time but some days in the office and some at home. I feel very blessed to have such flexibility but still the thought of feeling like I HAVE TO GO BACK TO WORK is frightening. So I can sympathise with you on that.

And if your anything like me this will eat at you until you both meet a compromise. I went through this at your stage of pregnancy and I lost sleep over it until we sat down and I explained how worried I was. In fact when we booked into the hospital I had a quick sych evaluation for the possibility of post natal depression (hospital policy) and while DH sat next to me the nurse said my results came back border line and I think it was then that DH realised just how worried I was about work and money.

My long winded post simply says. Try and sort out a compromise soon cause although things will change when the baby comes. You still have the rest of your pregnancy to go and you don't need this playing on your mind when you need to be looking after yourself!