TBH, I think you need to let up on the 'planning' or you will wear yourself out.
It took us a year to get to approval panel - for us we have a DD(12) so that added a bit of complexity.
Plus, about 5 SW.
Don't put your life on hold. Be honest, are your finances OK? If they are, and you are affording your life now, there is nothing really to worry about.
We are fortunate in that I earn a moderately high amount, so everything went through fine - but adoption is not supposed to be the preserve of the wealthy.
Our first SW told us "not to put our lives on hold" and we live by that rule.
Having said that, we have a home visit in 12 days can you tell I am counting about a possible match.
We have still booked a summer holiday, admittedly in a cottage and not overseas.
You need to be as relaxed as you can about the pitfalls that will come along. There are lots of bits in this process that you (as prospective adopters) cannot control. That is hard, if generally you manage to direct your own life.
Good luck.