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Old Apr 25th, 2014, 12:36 PM   11
RaspberryK
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No we didn't, we didn't think we needed to and I wish we had because dh lost a lot of his work when ds was 7m til he was 14m
Xx



 
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Old Apr 25th, 2014, 17:00 PM   12
WhiteKhocol8
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That's what I worry about =( my DH's industry is unpredictable but there is usually work going - the problem is with a child neither of us can really afford to be totally out of work. I am formulating back-up plans a through h at the moment as contingencies in case I have to work from home earlier than I expect to have to.

Savings help but I think having other plans in place to get you through if you need them helps too. Life is very unpredictable.



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Old Apr 26th, 2014, 05:05 AM   13
RaspberryK
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We luckily have a flexible mortgage and took a mortgage holiday. Then paid it back over 6 months.
I got a 5 hour contract and worked full time except the days dh had the offer of work.
We borrowed a lot from the in laws via the business and have now just paid the last off.
We are just starting on the credit cards. Wouldn't have been so bad but we had to get a loan for emergency work on the roof.
But we are out of the worst now.
Xx



 
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Old Apr 26th, 2014, 10:11 AM   14
Emiloo
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I have nearly 150 saved so far haha. Every little helps!



 
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Old Apr 26th, 2014, 12:28 PM   15
MissN8
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Better than nothing!



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Old Apr 27th, 2014, 06:16 AM   16
WhiteKhocol8
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Ladies you've inspired me (read: given me the kick up the backside I needed) to go get my taxes sorted out this week and see if I can find a way to consolidate my credit card and loan into one to make repayments more manageable. THEN I can start saving! I am now a woman on a money mission!



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Old Apr 27th, 2014, 08:30 AM   17
MissN8
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Im glad we could help. I think u just have to cut back on nights out and buying things you don't need and also get those debts paid off



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Old Apr 27th, 2014, 09:02 AM   18
Girly922
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Nights out definitely have become a thing of the past here, and if we go out to dinner now, we go somewhere like Nandos rather than TGI Fridays. Cheaper and they do NHS discount! Lol.

Try and save a small amount for dinners out and cinema nights etc for while you are pregnant. It's likely to be the last time you go out as a couple for a long time.

Things like buying own brand, and only buying things like toilet roll and toiletries when they're on special really helps too. It can help to ask for vouchers for a specific shop for Christmas. Christmas a couple of years back we asked everyone for Next vouchers. Ended up with 200 worth. Still had a lot left when DD was born which meant I could have a bit of a spree in the sale for lots of new clothes for her without it hurting my bank account!



 
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Old Apr 27th, 2014, 09:18 AM   19
MissN8
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Very good ideas girly. I was thinking as soon as i get a bfp to start putting nappies and wipes and toiletries into our monthly shop so you gradually build up stuff for when baby comes. Same here i hardly ever have nights out we are just happy staying in with take away or going for dinner



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Old Apr 27th, 2014, 09:48 AM   20
Girly922
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Rather than sticking up on nappies etc before baby arrives, you'd be better off buying a 10 gift card for your regular supermarket every time you do a big shop. Put these aside until baby's here and then you've got the reassurance that you've always got money for food and nappies. Babies grow out of nappies so quickly you don't want to get too many of one size, plus you never know how you will get on with a certain brand. DD gets a rash with Tesco brand, but I know LOs who leak or get a rash with pampers. Same with wipes and toiletries, you never know if LO will get a reaction. DD got a nasty rash from Simple baby wash so it's not worth stocking up on too much until you know what you can use.



 
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