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Conception

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Original poster

Where you financially stable??

36 replies

kelman13 · 07/03/2015 09:49

Hi,
after a little advice please! My partner and i have been together for 3 years love each other very much! We have decided to ttc very excited as have been broody for well over a year! We have had a few financial ups and downs! so wondered if you guys were financially stable when you tried ttc?
I feel I'm ready for a baby I am currently a step mum, god mother and my job is nannying 4 children would love one of my own! cheers guys

OP posts:
MyNameIsSuz · 07/03/2015 11:11

We were, then dh lost his job when the baby was about 6 weeks old. You can't plan for everything!

Nolim · 07/03/2015 10:47

Yes

LadyCassandra · 07/03/2015 10:46

Yes with first and no with second. Had PND with second which I know was caused by financial stress.

However there is a difference between being on the breadline and worrying about losing your home, and being financially stable.

SeldomAthleticFC · 07/03/2015 10:37

Ha, Running - my trusty old Mazda is 15 years old too! Smile

Runningupthathill82 · 07/03/2015 10:30

Depends what you mean by "stable." I had a permanent job when we decided to try for DS, DH was unemployed, but we could get by on my salary if we were frugal.
Household income of £25k, no savings. Anyway, we did it, with DH taking in the role of a SAHP.

Times were, and are, difficult financially. We can't afford holidays, we have a 15-y-o battered car and a small house. All our baby stuff, inc the car seat and cot and buggy, was second hand. We spent less than £20 on DS (now two) at Christmas, for example.

But we have food and a home, and DS is loved and well cared for, which I think is all that really matters. Hence why we're ttc DC2.

SeldomAthleticFC · 07/03/2015 10:22

If I waited til I had £40k in the bank, I'd never have had kids! I have no debts but hardly any savings either. I work part-time but couldnt afford to live without child benefit, tax credit and housing benefit. I don't get a penny from my feckless exH (but at least I no longer have to keep him too!)
It depends what's important to you. I hardly spend anything on my kids' clothes because I have 2 sisters with older kids and get their hand-me-downs. And friends lent me a cotbed and a buggy. Breast feeding for nearly 6 months saved a fortune in formula (obviously not everyone can). Our holidays are usually staying with relatives or camping.
My kids get fairly expensive presents and new clothes from their Nanny so I don't think they're too hard done by!

Oysterbabe · 07/03/2015 10:17

We are yes. We own our house and have done our sums to make sure we'll be able to afford reduced earnings then nursery fees.
That said my sister certainly wasn't and they found a way to get by, people generally do. It depends whether you can cope with the worry that money troubles bring.

Original poster
kelman13 · 07/03/2015 10:16

I'm 28! so feel now would be a good time!

OP posts:
Higheredserf · 07/03/2015 10:12

This reply has been deleted

Message withdrawn at poster's request.

dashoflime · 07/03/2015 10:01

Sort of. We didnt have a lot of income but we had no debts and a secure place to live. In general- ive gone the route of trying to keep fixed costs to a minimum rather than trying to build up savings. That way- I know we could get by on less if we had to and any fleeting good luck is the icing on the cake.

ShanghaiDiva · 07/03/2015 09:57

Yes - had no debts and about 40k in bank. Good idea to start saving now( if you can) to cover drop in income and additional expenses.