B.R.
Well, you only have this period of time with her once and it doesn't last very long.
If you can tough it out, great. If it's tearing you up that bad, talk to your husband about it. From the sound of your request, the reason you're both working is financial. Maybe the two of you can work out a plan to cut back on unneccessary things so that you can stay home more with her? Cut down your hours at work, if possible?
I'm a stay-at home mom, but I started out working part-time. In my situation we save so much in gas and work clothes and baby care etc. since I'm not working that we're not really any worse off than we were. Maybe your husband can ask for a raise at work? Try to put your bills down in writing and categorize them:
1. not going anywhere: like house, car, insurance, groceries
2. work-related expenses: eating out at lunch, work clothes, daycare, extra gas
3. not necessary: items that aren't needed, hair dye, expensive stylist, frivolous purchases, etc.
If you have a vehicle that you make payments on, see if there's a way you can cut them down or get rid of them completely. Look at what kind of vehicle you drive. Is it expensive to maintain the tires, to gas it up? If so, think about downsizing your vehicle if you're not using it to its potential. Look at what kind of insurance you have for your vehicle(s) see if there are corners you can cut for features you can afford to lose.
No, you may not be "living the good life" for a period of time, but if being with your baby is that important to you, I'm sure you guys can find a way to make it work.
Now that my baby girl Annalise is 10 months old, I wouldn't change a thing about being a stay at home mom. Even if we do have to go without some of those more luxurious things in life.
If you absolutely can't or won't change what you're doing, then you just need to make sure to justify that with yourself in such a way that you won't have regrets about the decision you made. If you're assuming that your husband may not want you to stay at home because he can't, then maybe that's a concern that you should dismiss until he voices it. You may be wrong. He may appreciate you staying at home so you can fill him in on all the exciting things your child accomplished, so you can get pictures or video of some of the most seemingly mundane things to look back on to remember this time in your life. I think if you talk to him about it in a proactive manner and do your homework, he'll be much more receptive to the idea than you think.
My husband, Stewart, has been absolutely supportive of me staying at home. Occasionally I'll have a moment of thinking I should be bringing home at least some bacon, not feeling that staying at home is helping us out. He talks to me about it and reassures me that for our child this is the best thing I could be doing for her. When she's a little older, we'll put her in daycare so I can go back to work -- once all the really big milestones are passed and her development slows and her need for socialization is stronger.