I think reading between the lines here the OP is on a low income despite working very hard and is questioning whether to have a baby or not because of this.
Here is the thing: I think when we all plan to be parents we try to imagine what we will be like and it's always impossible. In the abstract, we think how awful or I couldn't cope. We also tend to recall back to our own childhood even if we know this isn't the be-all and end-all: my childhood wasn't a happy one at all but I still worry because my DCs childhood deviates from it as it is what I know!
You have them and you love them, and they love you, and let me assure you of one thing - there's a HUGE margin for error! The great thing about these children is they just keep coming back and loving you anyway, even when they're stroppy, rude, mouthy and arsey!
But in terms of what I want - here goes:
I wanted my children to grow up in a detached farmhouse with acres of land, a woody area to play in and a pond. Big kitchen to bake and cook in. Big coal fire to cuddle up into in the winter. Own rooms decorated in pastels for the girl and grey/duck egg blue for the boy ( yes Mumsnet you can kill me later!)
I wanted my children to go to village schools, to have stable friendships, to have fun and enjoy school without worrying about pressure. Like you I wanted private to be there as an option without resorting to it necessarily. I wanted them to not be bullied. I wanted them to look forward to Monday.
I wanted them to have a sibling to have fun with and get on with. I had a brother but it was a fraught relationship.
I wanted them to enjoy university free of debt, to learn to drive, to be able to buy a flat or house.
But you know - if I can't do any of that, or you can't, honestly, seriously, don't stress about it! They only notice monetary matters from ten years up I'd say and a lot can happen in ten years!