Will try to keep this as brief as possible but apologies in advance:
OK, DH & I are in a financial mess mostly through our own fault (living outside of our means pre-DCs, letting our debts spiral out of control) but also because a few circumstances have made that situation worse, namely the arrival of our beautiful but expensive (!) DTDs and the whole housing market crash at a time when we needed to sell our house in order to relocate (we moved 250 miles to be close to my family in order to get support with our DDs and also because we couldn't afford childcare X2 where we used to live but we needed me to work).
We moved in with my parents which was supposed to be a short-term measure whilst we sold the house but we are still here 2 years on! It's a situation that has been, at times, unbearable for us and no doubt incredibly hard for my lovely parents. We were unable to sell our house, put it up for rental, had nightmare tenants which in turn lost us a whole heap of money.... It's been horrid and I feel such a failure for where we've ended up in life. Yes we have 2 beautiful, amazing daughters but we are unable to provide for them fully. It's genuinely embarrassing.
Work-wise, I managed to get some very flexible freelance work with my former employers which was great and a few other bits and pieces have tided us over on top of DH's job (we need both of us to work just to make ends meet and this is when we're living with my parents!) However, the freelance stuff is largely drying up - budget reductions have meant that my hours have been cut and my current (reduced) contract will end in May. I can't see it being extended.
I've been on the lookout for a part-time job doing what I used to for the last 6 months but there has been nothing. I've applied for a couple of positions and explained I'd like to do a job share or be part-time but, unsurpisingly this hasn't got me anywhere.
I've just seen a full-time position doing pretty much exactly what I used to and am now considering applying. The job would begin a month before my DDs' 3rd birthday.
TBH I HATE the idea of full-time work BUT it would give us the chance to find our own rental place. I also think that going in full-time will be the only way back into my profession (with a view to persuading an employer to allow me to cut my hours at a later date).
I am genuinely keen to get back - I miss it and I am sick of doing bits and pieces, here and there with no stability. I like working, I really do. However, my ideal would be to work part-time in order to spend more time with my girls 
I really think I'd miss them desperately: I love our time together (mostly!)
All the practicalities of f/t work would work for us: DH works shifts and my wonderful mum has offered to pick up the slack between him and nursery (DDs go 2 days p.week currently - we could afford to top that up to 3 once they start getting their vouchers a term later). Most weeks he'd be able to have the girls 2 days anyway and mum has them 1 day a week atm. As we know his shifts months and months in advance he could book in leave when we were stuck for childcare.
Also, my old job (teaching) has plenty of holidays and I reckon I could get home to spend at least 2 hours with the girls before bed-time most days. On the flip-side there'd be the admin work etc so not sure how I'd cope with all of that but am hyper-organised and would just have to work each night when the girls are in bed. I'd ensure every weekend was spent with DCs (it's not at the mo as often have to disappear to work on a project). DH and I feel as if we are divorced sometimes as sharing childcare means one or other of us has the girls and rarely both of us. It's really hard, tbh.
I just don't know what to do. My head says to grit my teeth and go all out to apply for full time positions, even if I don't get this particular one. We've seen a 2 bed rental place we'd love to go for near to my parents and also in the catchment area of a fab primary school. If I got this job (or similar) we could get on with our lives and start re-building. It would give us a bit of breathing space and maybe even enable us to sell our house (we're in negative equity atm so have been stuck with it). There's no way we could get another mortgage but me being in a stable well-paid job would help us with buying another house somewhere down the line and help us chip away at our debts. It all makes so much sense
BUT
the idea of working full time makes me want to cry.
I know I am being precious but we've had a rough time over the last couple of years: DDs were prem & I was very ill so we were separated after the birth for some time, had the whole SCBU experience etc. I remember at that time feeling as if my babies were being taken from me and I'm having some feelings that are reminiscent of that.
Also, DD2 was very seriously ill last year and spent 2 weeks in intensive care. She almost died. She has some health issues now but her condition is controlled.However, the idea of being away from my DDs for a full working week also resurrects a lot of the anxiety that's linked to that. It makes me feel guilty and panicky. I'm not sure if I'm emotionally strong enough to cope with it.
DD has fairly frequent hosp appts which I like to take her to. DH could take her. I trust him, feel totally that we are co-parents but I also feel extremely guilty at the thought of not being there.
Also since DD2 was ill, DD1 has had a lot of issues and has been extremely clingy, unsurprisingly. I disappeared from her life (saw her every day but only briefly) for a month as did her twin . I don't want to cause her more upset.
That said, I think the certainty of mummy being at work Mon-Fri and always around sat and sun would give both DDs a bit more of a routine and certainty as opposed to the current situation of my working around DH's shifts and disappearing off to work upstairs whenever I can (think I'm prob doing near enough full time hours but am squeezing them in here and there).
DH is totally supportive: doesn't want me to put myself in a situation where I can't cope and am stressed, no pressure to go full time. However, I know he is desperate for us to have our own place (as am I) and get on with being a 'normal' family. Our relationship has been under a lot of strain the last 2 years despite it being what I would have considered to be unbreakable prior to that. I have felt on occasion that we were breaking apart. Things have been much better of late and we feel like a team once more but I know full well that we need our own space, our own home etc not to mention some respite from the constant money worries
So WWYD?!!
Any advice from those of you who work full-time or from anyone really would be very gratefully received. I really am feeling terribly conflicted over this (in case you hadn't noticed) 
Thanks!