But can you afford to be a stay-at-home mum? The loss of one salary can have a devastating effect on the family finances, especially with recent cuts to child benefit and other tax credits. Your partner would have to bring home a chunky wage packet to take the budget strain. But just how much would he have to earn?
Let's look at the figures. The average house in Scotland costs £113,338, according to the latest Halifax House Price Index. So, with a mortgage of £100,000 your monthly payments over 25 years at 4% would be £528. It's more costly if you live in Edinburgh, where the average house costs about £200,000. But averages can be misleading. If you want to buy a decent family home in a Glasgow suburb, you could pay upwards of £300,000. At 4%, the monthly payments on a £300,000 mortgage would be £1583.
Then there are household bills. Council tax for an average Band D property in Helensburgh is about £130 a month. Energy bills have soared by £300 in just three years to a current average of £1420 a year, according to Ofgem, the energy regulator. And stay-at-home mums might spend more than the average household, having the heating on for longer and extra washing.
A number of energy companies are offering fixed-rate deals at about £1350 a year, or £112.50 a month.
A family in Scotland should budget £200 a year (about £16 a month) for home and contents insurance, according to the AA's British Insurance Premium Index. Don't forget life insurance, too. Premiums vary according to your age and health, but a 30-year-old non-smoking couple could expect to pay £12 a month for £150,000 of level term life insurance over 25 years, according to Moneysupermarket.com. This would jump to £61 if the policy included critical illness cover.
A car is often an essential for a stay-at-home mum. If we assume you have already paid for the car, you should set aside about £40 a month for insurance and £150 for petrol. Add £20 a month for tax, breakdown cover and maintenance.
Mums can often feel isolated, so the phone and internet access will be lifesavers and a TV is essential. You can get a broadband, phone and TV bundle for an average of £30 a month, according to Broadbandchoices. Don't forget your TV licence, which is £145.50 a year (about £12 a month). Then there's the mobile, at about £40 a month for an iPhone 5 package.
So far, we have run up monthly bills of £2195.50 - and we haven't even bought any food. You can expect to pay £100 a week at the supermarket for a family of four, including non-food essentials. That's £400 a month.
You would also be wise to put a monthly amount aside for clothes, shoes and haircuts, not to mention activities for the children: £100 a month sounds right. It all adds up to a rather scary bill of more than £2695.50 a month. But we aren't finished yet. What about a slush fund to cover emergency repairs, or big-ticket items such as a new washing machine or sofa? Or money for a holiday? Let's say another £100 a month? The total is now about £2800 a month, which equates to a gross salary of roughly £50,000 a year.
Do stay-at-home mums get any help, or is Government support heaped on working mothers? Well, there's child benefit - but if your partner earns £50,000 or more you must either stop the payment or pay the High Income Child Benefit Charge, and essentially pay the money back. The Child Trust Fund, which gave a savings start to every child, has also been scrapped. And our full-time mum won't get tax credits because of the size of her partner's income: you are unlikely to be eligible if you have two children and an annual income of more than £32,000.
So before you plan a life of cake baking and finger painting, it's probably a good idea to make sure your other half has a big enough salary.