How old are your kids?
My guess: if you feel like you're not ready for a dog, then you're not ready for a dog. They can be very time-consuming, especially if you were thinking of getting a puppy or young dog less than one year old.
And it is more often than not just a fact of life that no matter how much kids and hubby plead for a dog, it's usually Mom who ends up doing the lion's share of the work.
If you don't feel yourself that you really, really want a dog, then everyone is better off if you say "no."
On the other hand....(you KNEW there'd be an "other hand" from a dog lover, eh?) you might think about getting an older dog from a rescue or a shelter. Rescue organizations in particular often have dogs that were given up by elderly people or families whose circumstances suddenly changed, and they are more likely to be house-trained, past the chewing stage, and calmer in general.
My Pippin was a rescue, and was very easy to live with from day one. Never an accident in the house, likes people (in an introverted sort of way), never chewed anything he shouldn't. Just a perfect gem. He came from an all-breed rescue.