Just found out I’m pregnant..

I agree with the first half. But I don’t agree with the second half of your comment. The child already exists. Too much planning would mean no child is ever born. We live in a country with free healthcare and education and, while the future is always somewhat uncertain, there’s no reason to believe this couple, who want children together, couldn’t give this child a good life.

I don't think there's ever a good time to have kids OP. If you don't want an abortion then don't, if the Mr didn't want kids yet then he should have taken care of that

Theres paternity leave and since you're so early on you can start to save most of your pay to pay for maternity leave. Get used to the one salary for a bit. Make changes in outgoings.

It's up to you, but some men like to put stuff off until there's no time left and it'll eat away at you marriage in resentment if you feel forced to terminate.

He sensibly means have a termination now and save up for the future like responsible people do, rather than winging it with few resources.

Outlier.

I have a number of friends who had abortions in their 20s and went on to naturally conceive 2, 3 or 4 children. One was 44 when she had her first, with no medical intervention, IVF, etc.

Abortion is just a miscarriage prompted by the mind, rather than the body. It happens millions of times a year around the globe, along with probably 100 million miscarriages. If every fertilized egg were to be carried to its possible fruition, we'd have extincted ourselves long ago. Our bodies were designed to reject a certain percentage of fertilized eggs and embryos.

She won't be on 62K if he splits. Or have an easy time finding another partner with a child in tow, or furthering her career, or buying property.

The right thing to do is what is right for the potential new human being and for being a responsible member of society: Only reproduce on a planned and prudent basis when all of the basics (education, career, finances, housing, contingency planning for illness, divorce, disability, etc.) are in place.

I would be giving serious thought to how long, realistically, it’s going to take me to become in the “right place”.

Is it realistic to believe your joint income will rise significantly within 5 years? Or is it a dream/hope? Do you realistically see yourself being able to buy a bigger home within 5 years in the area you live in? If not, could you move elsewhere & afford a two bedroom place now?

Lots of people move “home” nearer to family when they start families. Is this realistically something you see yourself having to do? If yes, you could do that now.

There is no right & wrong, it’s totally your decision, but I was 21 when I got pregnant with my eldest. DH was 22. It certainly wasn’t the “right time” but it worked out & DC1 is now 28. Sure there were compromises but only you can decide if you want to make them.

I had a surprise pregnancy at 27 and terminated. I was married but we just weren’t ready for numerous reasons.
Had a planned pregnancy 5 years later.

look if you’re not ready for it then don’t go through with it. It’s a massive deal and will change your life. The circumstances have to be right imo.

As previous posters have said, this is not a case of dropping a baby into a 62k salary household and just buying a secondhand pram/reusable nappies. Childcare was more than our mortgage payment for over 3 years (if you have a September to December baby it's many more months to fund too) and that was with me working part time. You can save up enough to get through maternity leave between now and December but the preschool years are tough.

That said, I would probably keep the baby if I was over 25.

The right thing to do is not what upsets you. You will middle through if you go ahead with this pregnancy and you will not regret your baby. Maybe he/she was meant to be.

And a baby doesn't need a bedroom for years, so don't worry about needing more space.

We were in London too, until recently we stayed there, but eventually gave up and moved out for more space a couple of years ago. The kids are teens/tweens now. When they were small our little London place was perfect.

Like previous posters ultimately this is your choice,but with combined 62k (regardless if before or after tax) surely you could save between mow and babas arrival,also could take out a zero % credit card on maternity. We saved loads.both times.before baby's arrival- mo coffees out,always bringing a packed lunch etc..if finance is the only reason you can do It. I.also belive you could be entitled to u iversal credit while.on mat leave if you've mo savings.

How much is your rent that you can barely keep a roof over your head on that money? At 27 with zero savings you are years and years off getting to do this again, so if you don’t want to terminate then don’t. Your wages aren’t bad, you must be wasting money somewhere. Check his paternity package out too.

I had my eldest in similar circumstances aged 26. But this was almost18 years ago -easier times financially for everyone back then.

18 years later we missed the boat on buying a house, but muddled through and had two more kids, got married. Other than a mortgage we've managed to give them all a good childhood, music lessons and clubs and seaside holidays. It has been tough at times, and I would encourage my kids to get a mortgage before having kids... but I wouldn't change it for us.

I had an abortion when I was 20 and though absolutely the right thing I found it very hard and knew I couldn't do it again. If we'd just stuck with one baby then we could've probably got that mortgage....

This.

You can't afford to live on £62k because you've chosen a very expensive area.

Move?!

Your maternity pay is above statutory (which is all I got with my 2), so I would actually say its good.
HOWEVER if you live in London for example, I can definitely see how your incomes would not be enough...
But if I was you, seeing both you and our DP actually do want a baby, I would put all your expenses on an excel spresheet and see what you can cut off. How much can you save? For the first year, the baby can sleep in your room, so you wouldn't have to move (probably longer than that if you HAD to, but definitely up to 1 year!). Can you afford, day, 6 months off work (or however long)? And then how much will nursery cost in your area when you go back to work?
If you wait for the perfect time to be financially ready, it will never happen. There's always "something".

It seems like you have strong feeling that you want to have a baby. There are no guarantees that in the future it will happen again. In addition you would need to go through grief of losing this pregnancy.

Try to speak with your partner about your feelings, your priorities.

I got only statutory maternity pay. You find ways to make it work.

9 weeks of full pay then what? I got 4 weeks 100%, 2 weeks 90% 9 weeks full pay is decent.

what is the pay discrepancy between you? If you earn a lot more, you could share the leave. You can have twenty KIT days between you to boost pay. This will be an illuminating conversation to have as it will show whether he actually has any intention of ever being an equal parent.

What are your outgoings that you struggle on £62k combined? This doesn’t sound too bad for two of you in a 1-bed flat. Can you sit down and look at your monthly budget and make a plan going forward? Of course a child is expensive but with some planning and savings during these next months it might work.

OP is in her late 20s and has an average salary. You’re trying to make out she’s barely 20 and on minimum wage! Also loads of families live in rented flats/houses nowadays. We’re not in the 1950s where pregnant women have to be married. Having a baby in my 20s hasn’t damaged my career or financial position.

Everyone knows that fertility declines in your 30s and a steeper decline in your late 30s.

No one else can answer whether you go ahead and have the baby.
but I would point out that 9 weeks full pay is actually a pretty damn decent deal.
I’ll say it’s not a race to the bottom (before anyone else does) but it puts it into perspective to know that when I had my first baby 30 years ago I got 2 weeks full pay, then I think it was about 4 weeks on a bit lower, then 6 on half pay. Then back to work with a 12 week old baby.

if you want to have the child, you’re not compelled to take a full year off work. Take what you can afford. Then your dh is entitled to some time too. Even if you have to get a loan to cover child care for a bit, there’s soon going to be 30 hours a week free childcare from 9 months upwards so you should be ok.
baby can be in bedroom with you for first year.
In the meantime, look for cheaper rentals in cheaper areas.

It's scary finding out your pregnant even scarier when you realise everything that comes with having a baby. You need to weigh the pros and cons of each decision you make.
I was 25 when I got a suprise and found out I was pregnant I was terrified I was crying to my mum saying how am I going to cope, no money, me and my partner talked about abortion.. Time came for a scan as I had a troubled first pregnant and they had to check all was OK.. Tears welling up I couldn't even think about abortion. Anyway it was hard no money everything was second hand but we managed.

Whatever you decide remember you are not alone, hundreds of women will be going through the same and having the same thoughts.

Do you have a family member that you can confide in?
Could you move to a cheaper area ? My husband and I don't even earn half that combined and we live in the most expensive part of the country.
If there is a small chance that you want this baby , please don't terminate because you could regret it for the rest of your life.
Good luck

Some absolutely ridiculous comments "never a right time to have a baby"??? Of course there's a right time:

Married ✅️
Own a home ✅️
Have a bedroom for said baby ✅️
Decent wage x 2 ✅️
Secure relationship with father of baby ✅️

The OP is making a logical decision and the only arguments countering it are purely emotive.