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Anyone else NOT saved up?!?
Hi
Please tell me I'm not the only one!!
I've not saved a penny for mat leave!! We've spent everything on getting things ready for baby! I'm sure we'll cope! I get full pay for 18 weeks, & then SMP for the rest. With working tax credits etc.. We'll be fine but it will most likely be a struggle!
Anyone else in the same boat?!
Butterfly
31+0 x
Please tell me I'm not the only one!!
I've not saved a penny for mat leave!! We've spent everything on getting things ready for baby! I'm sure we'll cope! I get full pay for 18 weeks, & then SMP for the rest. With working tax credits etc.. We'll be fine but it will most likely be a struggle!
Anyone else in the same boat?!
Butterfly
31+0 x
0
Replies
We have thought about getting through it, paying mortgage etc and we should be ok, although I wont be able to do much during mat leave! Definitely going to be a struggle but after surprise which ended in mc we decided we really didnt care and would go for it anyway. Then we get a BFP straight away with twins!!!
Oh well, we will cope!
Gemma 13 + 6
I am hoping to try and save with the last two months wage I will have coming in before my mat leave kicks in and then just buying things we need, and being carful with shopping you know.
K xx
26+1
Luckily I will get full pay for 6 months and smp for another 3. When my full pay runs out our mortgage fixed rate is due to end so hopefully we will drop onto the base rate and save some money that way!!
Otherwise it might get tricky but we're both due another payrise before then so hopefully that will keep things ticking over.
It will be verrry tight though!
Bec 37+6 x
My mum has offered to pay me ??100 a week to take baby & work @ her nursery, so I know we'll cope, we just won't have any luxury's I suppose!!
Gemmiebaby, the same happend to me! I got pregnant which was a suprise, & had a MMC, after that I was so desperate for another BFP, everything else, money etc just seemed so pointless compared to the thought of carrying our baby for 9 months & bringing her into the world!
As long as we are well fed & have a roof over our heads, nothing else matters!!
xxx
We'll manage - we've been doing the shopping for ??40 for us a week and ??10 for all the animals a week since we found out about the baby so if we can do that for a bit longer it'll be fine! The annoying thing is - nobody believes we're skint because people think dh is loaded with his job - er no - the government, RPSGB and student loan company take so much off him - it's so annoying! SOrry went on a bit there!
xax
Im not worried though cos hubbys self employed and had a really bad couple of months and I was able to cover all the bills on my own and now his business is picking up again (thank god) so hopefully it will be fine.
Also i'll be going back to work after about 6 weeks, im a piano teacher, self employed, so if I take too long off i'll lose my students and it could take ages to build back up to the numbers I have now. Also I feel I have an obligation to the students I have now.
I'd love to take longer but I dont work til 3.30 in the afternoon and finish by half 7 at the latest so i'll have loads of time with baby and my mum is going to come to my house to look after him/her for the first few months i'll still technically be home with the baby.
Still trying to convince myself, can you tell?!!!
We starting saving when I found out I was pg - but thats to buy everything for the baby. Nursery furniture, pram etc etc!! but we've paid for them all up front so thats good.
Hubby said he's going to be good and cut back on football / golf and I've not bought any shoes or anything (my weakness). I hope we'll be ok. I worry about when smp kicks in as thats over ??1000 a month difference for me and i wont be able to contribute to the morgage, but hey ho, it will work out!! I really dont care - as long as bills are paid and we can feed ourselves it will be worth it to have the extra time off!!
Lisa
23+6
xxx
I keep thinking how bloody stupid I was to have not planned ahead, I mean we were trying for a year before I fell pregnant, why on earth wasn't I putting money aside every month just in case... grrr.... I'm actually quite angry at myself!
bailey_b 39+5
MKB 23+4
xxx
xxx
I haven't done so well though as keep buying things for the baby. Oh thinks I have more saved than I have though...not by much but he is a real saver and I am the opposite unfortunately.
I have pretty much full pay for first 3 months so will save some more to save then too.
Sazzle xx
30+5
My mat leave is REALLY bad, I get 4 wks full pay (this is from time i go on mat leave, I'm a nurse so won't be able to work to the end) then 14 wks half pay, then nothing!
Haven't decided yet but think i'm going to give up work as i'll be expected to start work again after 18wks max 22wks if i use my annual leave (i don;t live in EU so no SMP or tax credit thingies)
Fingers crossed!
xxx
hehe..I know! I will be 6 months on Sunday - cant wait to reach that point!!!
Not trying to be daft about it, we both have good jobs even if my MP package is crap! should have known really being a solicitor - tightest bosses possible!!
Like someone else has already said, so long as the mortgage is sorted everything else will get paid somehow! can't wait to be skint but at home with my baby!
Life is too short to stress about money and i really don't think you can ever plan to have enough money to pay for a baby!!
Choccy x x