Yeah, honestly, increasing income, or your hubby stopping some work is probably the better directions. In the states python/ruby web dev pays a bit better than php, so perhaps you could try moving towards that.
My gut says 'Don't buy this house, it's the wrong size for your income/family situation and in a place that doesn't pay well enough for the life you want.'
My gut says 'Don't buy this house, it's the wrong size for your income/family situation and in a place that doesn't pay well enough for the life you want.'