How to deal with baby fever when you can't afford a baby?

I'm 35, I have two perfect boys, my husband is working at a steady paying job. I have been a stay at home mom, but will get a job in the fall when my youngest starts preschool. We both really want a third baby, but I know we can't afford it.

We live pay check to pay check. The financial stress is getting to me so much, that is why I'm getting a job. My husband isn't happy about it, he thinks we're doing fine, but I haven't bought clothes since my first child was born, 4 years ago. I hate having to plan for every penny, never being able to splurge. He says a baby doesn't cost us much because we already have everything, except for diapers, and that is true, but I still worry about the future.

Since neither of us has a college degree, we're stuck with pretty low paying jobs and that won't change unless we go to college, which we can't afford to. Babies might not cost a lot, but then they get older and it gets expensive with food and hobbies. I am an only child and I put great value on our children having their own bedrooms. In our house a third child would mean they would have to share. We can't remodel it, because we can't afford it and we can't move because we wouldn't get our money back from selling the house and it's as cheap as it gets. I feel like with the two we have we can provide a good life for them, although it takes planning, but I can't see that happening with a third child.

I too really want a third child, its killing me, but I really feel that we can't afford it. My husband is constantly saying we'll figure it out, but I want that solved before. I'm only getting older and I don't want too much of an age gap between my children, so I feel like time is running out on me. You never regret a child, but I also don't want my children to feel resentful or feeling like they had a poor childhood. I know I have been rambling about all these logic reasons not to have a third, but my heart is aching for one last baby. What do I do? It's especially hard when my husband is pushing for another.