@solosunflower - I've only skimmed the thread, but I've read your comments.
I fell pregnant accidentally with twins 13 years ago, and was determined to have a termination. No contact from biological father. I had a mortgage, a job, bills - just like you.
I had a poor upbringing, lots of poverty, social services involvement, difficult family relationships.
I didn't have a termination as I couldn't face it. But then I didn't know what to do.
I didn't think it would be possible to manage with twins on my own. But it was. I became a freelance copywriter (which is pretty easy work if you're reasonably competent at English). I worked around the schedule of my babies, with my income topped up my benefits as needed.
There is nothing wrong with opting for adoption. It's a selfless decision, and you're an incredible person for wanting to do the best for your baby.
But I think what strikes me from your posts isn't that you don't want this baby, you sound like you think you're not good enough, and that you don't want your baby growing up in poverty. If those are your only concerns, there really are alternatives. And lots of women don't have family support, there are places you can get help.
I'm not actually trying to convince you. You really must do what you feel is the right thing - and the only person who knows what that is, is you. You owe no one any kind of explanation.
But please don't make the decision based on feelings of worthlessness, or thinking that you're less than. With Universal Credit and other forms of income, there are ways to boost your income. Please get some support from your midwife and take some time to think about what's best for you too. Huge hugs.