Hi all! My DH and I are about to start our journey to F2A (hopefully!!). I have 3 children from a previous marriage and am unable to have anymore naturally and do not wish to try IVF.
We are currently on a debt management programme. We live comfortably month to month as the management programme worked out what we could afford to repay each month and it's left us with a workable realistic budget. Does anyone have any experience with this? The debt is managed and paid each month. We can cover the years adoption leave and can also manage afterwards with DH and I working shifts that mean we do not need childcare. I work in education so term time only so I get lots of time at home.
Just looking to see what other people have experienced with debt. Thanks in advance!