Hi Janet,
Yes, you are right. DH can afford with me not working, but no meals in restaurants, no allowance for my Dad, no enrichment lessons for my son, etc. He's very tight if I don't work cos we have many loans that need to pay off, e.g. renovation loan, car loan, his study loan, plus insurance, etc etc. If I don't work, we'll have to fork out some cash for the monthly housing loan too.
Thus, quite tough for me currently if I don't work. Anyway, I'm quite happy with my job now though I believe I can get better pay if I go elsewhere. My boss very understanding and is very supportive for the decision we made in our work. Most importantly, I can work from home if need arises.