oOOOoo boy, didn't this thread go into the dumpster for a while...

Bec, I think ultimately you guys need to be on the same page, or someone is going to feel hurt and regret for the rest of their life. I know there really isn't a compromise as such, but maybe if you put a projected budget on paper for him he will see that finances really aren't that bad with just one more? I have 4, and our income is under $50,000. Its tight, but doable. We still have spending money for us every fortnight, but we don't go on holidays. We can't afford much take out, so I have to cook a lot, we don't really buy new stuff. But, I do go shopping at op shops, I shop for the kids toys in the specials throughout the year, and I do other things to cut costs, use cloth nappies etc (I have 3 in nappies though).

FWIW, my DH was against having #4, but in the end, he didn't want me to be unfulfilled and regret not having another one - and although money makes the world go round - nothing brings more joy into your family than another bundle of love. Money can always be made at a later date, we don't have forever to make our babies

Good luck with your decision - and welcome to BB.