I know this seems awkward choice between the two, but hear me out.
I am 40, divorced with 2 DC age 11 and 9.
Have a good job and own house with relatively small mortgage.
In a 3 year stable relationship with DP but we don't live together and have no immediate plans to but may happen in few years time (he has 3 DC, youngest 9). He is an awesome dad to his DC, that's one of the reasons we cannot live together as he wants to stay close to them while their are young.
I am starting to feel it could be my last chance to have a third DC and I am quite broody. DP does not actively want due to his circumstances, although if circumstances were different he wouldn't rule it out. For a safety sake I would assume the worst, to be a single mum again.
I am healthy and can afford to. He would probably be involved but wouldn't live together at least not for some years.
Or, I can afford increase my mortgage and to buy a dream house and live a nice lifestyle with a hot tub in my garden haha.
If I go for a house then I couldn't have the 3rd DC, it would become too stretched financially as I wouldn't have financial cushion. I would need to get a coil fitted for contraception and that would mean a definite decision of no more children.
What do I do?? In my ideal world I would have a 3rd child over a bigger house but thinking a bit selfish to take it on knowing that DP is not to keen? (I am pretty sure he would love the baby - but still not sure if it is fair on him and the baby and my own DC).