All sounds pretty sensible. The only thing I would question is the desire to work when you have a tiny baby. I would suggest that you make full use of the time you have available and only consider a gentle return to a few hours of working from home after 6 months and not to consider full time until a year.It's easy to over extend yourself trying to get back to normal; and you can just about get by for a few months. But that's when the cumulative effects of sleep deprivation and the physical demands of providing a human with all its nutrition start to mount up.When you do your budget, see how much you can reduce the need for you to be earning anything at all (above your maternity pay and child benefit) in the first year. Then you can plan around what works best for you and the baby rather than feeling forced to work because of the financial pressure.Obviously you might really enjoy your work and having some time away from the parental responsibility might really help you. A lot depends on whether you have someone (like a grandma) who can look after the baby without too much cost or worry.
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