Never enough Money

[BabiesOneDay]

Am I alone in this feeling?

 

[Wildfire81]

Am I alone in this feeling?

Not at all! I always hope to have more to save, but in the end it never happens! plus, we both have student loans, which are never ending! Also, I am getting ready to get more bills because I have to have gallbladder surgery this week, so that is several thousand more dollars. I know it is a bummer. Feel free to PM me if you need somebody to chat with. Have a great night!

 

[PrincessJJ]

I feel like this too.... Always something else OH wants or baby needs.... Iv been desperate for maternity clothes for months, but there always seems to be something the kids or OH wants so I never seem to get what I need.....

In desperate need of a lottery win lol xxx

 

[aimee-lou]

I know this feeling. My hubby has recently returned to work for the summer and despite him earning good money, and the same amounts of extras coming in, we're still struggling. He's really down about it as he's never at home and still not getting anything to show for it. I'm waiting on an inheritance to come through but I still don't even know how much that is. hoping it will be enough to clear our backlog (joys of OH being a student and me having been unemployed since December and now unable to find work due to being VERY pregnant!) so that he can at least get himself a few nice things/go and see his Dad in Ireland before the baby is born.

Unfortunately though, it's the way the world works. When you have money, you generally keep it and it can grow. When you have very little, it doesn't get chance to grow so instead it goes flying back out of the door! I have faith that working hard will get us out of this cycle, but it's soul destroying when it's been the same for over 3 years now!

 

[BabiesOneDay]

Ugh, reassuring to hear we're not along I guess. I don't think there's anything more stressful than not having enough money. We're on our way up now, but have staggering student loan debt as well with OH just finishing law school and I'm not even done grad school yet

 

[Laucu]

I know this feeling. My hubby has recently returned to work for the summer and despite him earning good money, and the same amounts of extras coming in, we're still struggling. He's really down about it as he's never at home and still not getting anything to show for it. I'm waiting on an inheritance to come through but I still don't even know how much that is. hoping it will be enough to clear our backlog (joys of OH being a student and me having been unemployed since December and now unable to find work due to being VERY pregnant!) so that he can at least get himself a few nice things/go and see his Dad in Ireland before the baby is born.

Unfortunately though, it's the way the world works. When you have money, you generally keep it and it can grow. When you have very little, it doesn't get chance to grow so instead it goes flying back out of the door! I have faith that working hard will get us out of this cycle, but it's soul destroying when it's been the same for over 3 years now!

Agree. My OH is working in London 3 days a week until he finds a job here and it is really starting to get us down. He is on good money but with train fares, it's not much more than what he would get here and he doesn't see the kids for half the week.

I ave to keep reminding myself that this is life when you have young children. When they're at school I will be able to work again and things won't be such a struggle.

 

[shirlls]

A big fat NO, you are most certainly not alone in feeling like this. As the other ladies have said, when you have a LO, or LOs, it is a realy struggle and as aimee-lou said. when you don't have money what you do get seems to just go back out the door. Before LO came along last year, OH and I struggled on low wages and tried to save for a mortgage, however the cost of living and paying off debts such as student loans, etc made it impossible. We are still renting and struggling to have any savings as the harder we try, there is something else needing paid for. Don't even get me started on childcare costs!

Obviously it goes without saying that our LO is more precious than any mortgage or amount of money, but basically what I am trying to say is, there is never enough money. I am trying to get a business off the ground at the moment which is money for this and money for that, and my husband is trying to get a permanent better paid job but sometimes it just feels like it's impossible and it is hard to stay positive about finances . But it's all you can do, try your best and don't get disheartened.

Though if you think about it, I don't think anyone (except lottery winners lol) really are ever financially content. There is always something needing paid for or something they want done but can't afford so you are definitely not alone.

 

[MrsT&Ben]

100% not alone! I feel all we do us wait for the next pay day. But pay day comes and all we do is pay bills. We rarely spend money on nice things or days out. If we do something I always worry about how much we are spending.
We have a large amount of debt that feels like we will never pay off. I know it's our own fault we have this debt but it doesn't make it any easier.
My son doesn't go with out but I do feel i have to constantly say no to things he asks for (which isn't always bad but I'd like to be able to do some nice things for him!).
I have incredible house envy at the moment, a friend has just posted lots of new house pics on fb and it is the exact kind of house I imagined myself living in. It all seems so far out of reach and it makes me sad. Money sucks! xxx

 

[catty]

Definately!! I saved some money - not heaps but about £500 this was for when we need a night out or mealetc when baby is a little older.
But my phone broke and after 3 months I really needed a new one so that was £200 (I plan to sell when I get my upgrade) 3 friends got engaged, and a few birthdays. Before u no it theres very little actually left.

Everytime I save money for clothes or somethig nice for myself it goeson something unexpected.
I planned on breastfeeding, using cloth nappies. After a month I stopped breastfeeding so have to spend about £40 on formula and £20 on nappies per month which was a bill I hadnt really expected. We will be ok but no luxuries!

 

[Feebster1]

Yep its certainly how i feel too.

We used the tax credit calculator before getting pregnant to be sure we at least wouldnt be worse off, not only was the estimate given way off in the end but it was during my pregnancy they made changes to the benefit system.

Upshot of all that was i had to give up my part time job as paying childcare and travel costs would have left us on a minus every month!

So now OH full time wage only just covers the bills with a small amount left which along with our whopping £160 per month tax credits i buy food and anything wee one needs but that is very very hard.

Already worrying about how we are going to manage next year with xmas etc to pay for, thankfully i have bought most of this years while i was on mat pay.

Not being able to go for a wee day out or even trying to afford OH a new pair of work shoes that will last longer than a week is almost impossible.

Biggest bug bear is i cant do things like replace the carpet in babies room, living room or even start a wee savings fund for her later in life as we just dont have the spare cash!

Doesnt make a woman feel good when your wearing knickers from primark that are 4 years old and falling to bits! But hey wee one comes first and at least for the moment none of us have any serious health issues so try very hard to remind myself that im lucky! Still sticks in my throat though!

 

[Marie000]

I know the feeling. Right now, "not enough money" is kind of an understatement for me.

I don't work and OH recently spent 3 months without a job. Now he has a new job, but it doesn't pay enough and our situation keeps getting worst. We barely have enough for the mortgage, car and loan payments. We're late on utilities and taxes and have virtually nothing left over for anything else.

I have had to make excuses for family gatherings because we don't have money for gas. I have been trying to sell some of our stuff (including things I don't really want to sell) with little luck.

OH is trying really hard to find a better job. I tried to find work to do from home, but nothing yet.
Something just has to get better soon.

 

[BellaBoo0512]

Nope your certainly not alone! When I was pregnant I did the tax calculator thing to make sure we could manage if I dont end up returning to work. It showed that we were entitled to quite a lot of help with childcare and could claim working tax credits. This was around January time. My son was born at the end of April and now it is showing completely different figures. If I go back to work we will be around £11 a week better off compared to if I don't go back. Both options are going to be a struggle. On paper we have just about the same money coming in as we have got going out but we seem to be late with some bills. The cost off shopping each week seems to be rising so that doesn't help. I wouldn't change my son for the world though and I'm hopeful that things will start to look up!

 

[ShanandBoc]

No u are not alone.

Whenever we feel like we are getting on top of things something comes up, everytime.

We live week to week.

Its sucks but i try and be positive. Theres so many people in the world with soo much less and would kill for what we have. I try and be content with the basics - a roof over our heads, food on the table and clothes on our backs. Its not easy tho!!

I find if i concentrate on what we dont have i get depressed so i focus on what we do have

 

[bubblychick]

Definetely not alone. OH lives in his overdraft EVERY month and every time we seem to be creeping out of it. BAM something creeps up, this month it was car tax, then there's birthdays, christenings, Christmas and DD is starting nursery next month so it's uniform and school supplies, it never ends. We'd love to be able to save every month but it just isn't feasible.