gwa - we have considered the financial element of having a child. Adam is now back in work so money issues are not a big concern any longer. Ultimately i could cut a number of personal luxuries to be able to afford the necessitys of a child. have you ever considered the love, experience and rewards of having a child that would be missed out on if money were the only concern?
MrsG, I have 2 sons and a granddaughter, so am quite familiar with your points.
As far as you are concerned, you have made mention several times that your husband is not a good helper for you and that you are responsible for the majority of the housekeeping in addition to holding down a full time job. This may also translate into the fact that you would be responsible for the child's care.
At one point you described sitting and crying while your mother cleaned your flat. This is the type of things I have thrown out for you to consider because it is REALLY hard to have to get up at night with a small child, and not get enough sleep, especially with a disease such as MS, which tends to kick your rear if you do not get adequate sleep. If you are primarily responsible for the upkeep of the house too, it is a very difficult task.
You have also indicated that you are not feeling well and that your meds are not working for you. How are you going, at this point in your life, to handle all of the extra stress of a baby even if they are cute and cuddly?
I am not a baby hater or a financial guru, but these are the types of things I would be considering, especially if I had not had children before getting ill. Too many times people don't look at all sides of an issue and then want to drop off their kids at the church, ring the doorbell
You have a lot on your plate to consider. You are also very young with many years ahead to have a family.