This is not a death sentence for you, for your kids, or for your family.
Kids that age don't have a concrete sense of time, they are happy in the moment.
They will thrive in daycare, and they will thrive with you so long as you keep a happy healthy attitude towards both.
We work full time, had a manny and now DS is in daycare and gets cared for by my parents. Our days are long, and I get to see him for about an hour in the morning and an hour and a half in the evening before he goes to bed.
We make it work by-
1. dropping the guilt. Its not going to make you an effective worker or an effective mom. Its just wasted energy on a thing you can't change for the time being.
2. utilize time savers. crockpot, laundry service, microwave, paper plates, lawn service, shop at home food delivery, whatever you feel is necessary and appropriate to preserve your time.
3. don't overcompensate. be a parent to your kids, but don't be a slave to them just because your time together is short. give them your attention, but its ok to teach them to wait patiently while you take a call, answer a letter etc. that's part of growing up too.
4. make good use of the evenings so your mornings aren't too rushed.
5. get up earlier than everyone else so you can be out the door ready before anyone else is out of bed.
6. promise to reasses the situation in 6 months time, but give your darndest to making this work until then.
good luck to you and yours,
F. B.
PS - ONE MORE TIP -
This one might not go down so well with you given your tight finances, and your reluctance to part from your kids to begin with, but consider sending them to daycare a few days early, or off to grandmas for a day or two. Use that time to shop, cook. prep, clean, get the manicure, press your work clothes, make a few casseroles, put your feet up, take a long bath etc. Going into this transition well rested and well prepared will make this easier on everyone.