heron, i am new here too.
first i would talk it through with your partner first, you don't want to do anything without both of you giving the go ahead. it would ruin what you have amoung alot of stuff.
the money side of things is difficult for everyone and it's never a good time to have kids in my honest opinion. you buy for a child what you can afford at the time, unless you were born into alot of money etc, it's hard these days to get any. as you have the qualifications you want for your job, and no jobs avalible. it seems to me to be the ample time to go ahead. as for thinking you'll be on benefits etc, most people are on some form of benefit whether it be child benefit or child tax credit!
your mum dieing would of hit you hard tho, one of the biggest factors. make sure it is what you really want, not what you think she would of wanted you to do, before doing anything.
my thoughts anyway. at the end of the day. it's your life, you have to decide. but would strongly advice to speak to the bf.