I'm also with the No Plan Group, and I've found that people who plan too much find out rather too late that sometimes children don't come when YOU plan. More of that in a moment...

When DD was born we were living in one room of my BIL's 3bed condo in Singapore. My SIL was in another room and the master bedroom was kept empty for when my eldest BIL came home from China. Then we moved with DD to China for 10mths where she also slept in a cot in our room. We moved back to the same condo in Singapore just before she was 2yrs and I was expecting DS but immediately started looking for our own place (to share with my SIL). DD then got her own room at the age of 2 1/2, after sleeping in a cot all that time, and DS was immediately installed in the cot (all happened pretty much the same time!) where he refused to sleep.

Fast forward a few years and my children, now 9 and nearly 7, older girl, younger boy, have finally got their own rooms. They are the best of friends and love playing with each other more than with anyone else (though they enjoy te novelty).

What I've noticed is that people who expect everything to work to their plans are frequently disappointed and don't know what to do when things don't work out. I've learned to go with the flow, and have definitely found that it all works out. The money you have will fit because you'll make it fit. The housing situation will fit as long as it needs to. I've been constantly amazed at how things have just fallen neatly into place when I've most needed them to, and this particular move has been an incredible example of that - this was the first house we saw, the day after we arrived! I'm not especially religious type, but I've come to the only logical conclusion that I have somebody watching over me, and perhaps because of my willingness to let go on the planning I've been given everything I most needed when I really needed it. On the other hand, I've seen people launch their careers and then 'plan' to have a baby in the their mid to late thirties and had a terrible time of it. Neither of my kids was exactly planned, but I'm very grateful to have had them sooner rather than later. If it had been left to my planning I would have been maybe thinking about having kids in the next few years. Fortunately it wasn't left to me, and now I have a 9yr old and nearly 7yr old who can take care of themselves quite a bit if I'm not feeling well.

I'd say just let it happen, but obviously your physical health needs to be at the right level, and your reluctance to try again is understandable. But don't let the money issues get in the way - money and love both stretch somehow. Go with the flow and just see where it takes you.

Kerri.