I, like you, REALLY want to take care of my own children and fortunately my DH is on the same page and we have cut back financially so I can. I'm extremely grateful that I'm able to constantly love and nurture and teach them (many working parents have sucessfully raised good kids who feel loved, so staying home isn't the only way to do that, but the best way at least for me). Parenting is my passion, and it is very important to me, so I completely understand and applaud your desire to stay home with them. No one loves children like their parents do or is as well-equipped to be their caretaker.
But having said that, it sounds like (from your bio) that your husband is a good man, and you want to take his concerns into account also. He probably is feeling the pressure to provide, which can be overwhelming. So see if you can come to an agreement of sorts. Would your employer let you go back to work part-time so that you you're not as worn out when you get home and can still have plenty of energy and time to spend with your children? Also, a lot of people work from their home or on the side. Keep in mind that in order for anything to pay off, it will probably take time and effort, especially initially if you're going to do a home-based business. Do you have a special skill you could do? I am seriously considering becoming a professional organizer, because that is a talent and passion of mine. What skill do you have that could really be of use to others?
Maybe if you do go back to work full-time you could do things like hire the housecleaning done to make one less thing you have to do at home that takes away from your time with your children. It's hard to find the balance between it all. Maybe it will help if you think of it from a long-term point of view. When you're older and look back on your life would you and your husband majorly regret either decision, or do you feel confident that either way your children will turn out fine and feel loved and have a roof over their head? It sounds like you need to sit down with your husband and have an open discussion telling him how you feel and why, but make sure you also listen and consider what he wants and why (because having a roof over their head is important too :). I wish you luck figuring it out, and I'm so happy that you have loving grandmas as options for babysitters if you do end up having to go back to work. Please keep us posted on your decision and how it turns out!