Thanks eveyone - lots of things to think about!
Diet Coke - in asnwer to your questions:
DH is self-employed so his job is safe but running your own business is always risky. If it all went wrong he's confident he could still get a job earning the same, if not more.
We do have 3 months salary and a little more for emergencies.
I don't have to pay back maternity if I don't go back as I'm only getting statutory minimum.
It is a competitive field but I am v qualified for it and have a good CV (sorry not showing off just being realistic!). Not sure how employers would view a gap though.
I think the big question is how PT work would fit in with the family as I would have to commute an hour each way on the train and we don't have family near by so would have to use a nursery or nanny share from 8am to 6pm.
Nikki - I'm also worried about having to work during the holidays when DCs are older!
I did think about just being SAHM until DCs go to school but then would have the same problem as your friend about school holidays etc.
VioletHill - you make a really good point about scrapiing by vs enjoying life. The thing is, that makes sense financially but am not sure how much working PT would affect other quality of life issues i.e. less stress, less rushing around, no guilt at leaving DS etc!
Paula - not really possile for DH to stay at home and don't think I would like it if he did! I would hate to be going to work while DH looked after DS!
I think that ultimately I want to be a SAHM but am worried about money, feeling unfulfilled and feeling like I'm copping out! I used to have a very high stress demanding job and think I am a bit burnt out and the thought of not having to work is very appealing. But then I might get bored after a year or so. ARGH! It's not getting any easier!