Have have no village
both work ft combined earn shy of 120k
FT nursery is about £70 a for a 4 day week (that with the 30hrs, it’s how much they charge now) term time, outside is £60 a day.
4 bed house but a small new build one
already have a 7 seater
decent prospects are work. Both work 9/10
id have to go back FT
love our holidays but do hunt for a bargain
we don’t live in our forever home, will likely upsize when DM sells her home and move to a larger place with an annex for parents.
only way our mortgage will go is down (we’re On a high rate rn .14% about BBR
after tax and deductions (health and protection and pensions) we get just over 6.2k a month)
dh and I both want another BUT he thinks we can’t afford it.
All monthly except childcare and that’s difficult to work out monthly due to funding and term time contracts.
mortgage -£1200
protection £50
childcare- £180 a week but that will go down in January to £100
gas/ electric £130
council tax £150
phones £50
internet £40
food £500
subscriptions £20
credit card £100
we save £50 a month each and will start reclaiming child benefit to save that for them.
MN your straight talking.
AIBU to think he’s being over cautious and financially we’re ok financially