Burnt as someone else up-thread suggested - you need to calm down a little.
You've got a shit-load on your plate (my children have the same age-gap as yours I know how hard it is).
You're getting it from all angles here & that's not helping your current frame of mind.
There's a few things going on here that need to be disentangled & looked at objectively & calmly.
Primarily & most importantly it doesn't look as though you have an equitable relationship with your husband, he is, for whatever reason, pulling the wool over your eyes regarding the financial situation, either he doesn't trust you because of the way he views your spending, he is using it as a mechanism of control or he is using the funds for other purposes. Whichever it may be (& neither you, I or anyone else here has any idea), he is not being honest with you or treating you like an adult or a partner in this relationship.
As a result of this aspects of your already stressful life are being made unnecessarily more difficult.
As has already been advised - you need to sit down with him & make him show you his bank statements at the very least, you need to know where the money is going & why. You are not a child & should not be treated like one.
This may be where your anxieties regarding childcare are coming from - you have little control over your life & so are seeking to exert it where you can.
Please reconsider the childcare option - I had a fantastic childminder (despite being a SAHM), I would send them there two mornings a week from when the youngest was about one - I very much doubt I could have sat down & discussed the intricacies of IMF policy with her but she was bloody good at potato prints, play-doh & loving & nurturing those children & I was grateful for every minute she did so.
Cut yourself some slack, NEVER attempt paining & speak to your husband.
(& maybe substitute the odd diet coke for some
)