My feed
Premium

Please
or
to access all these features

AIBU?

to think you should find out how much maternity pay is before getting pregnant?

62 replies

signothetimes · 26/09/2011 20:46

Hmm

I have a colleague at work who got married last december and who decided in July to try for a baby. I assumed she'd sussed all the ins and outs of maternity leave/childcare/cost of babies etc. before she stopped using contraception. It took her all of 4 weeks to fall pregnant. Today, she was almost in tears on realising that you get only £128 maternity pay per week once the employer's pay stops. While trying to be sympathetic etc. all I could hear in my little brain was 'what the feck did you think you got?'. Now her 'hubby' is chucking his toys out the pram at the idea of losing his bumper Sky package for 3 fecking months.Grin

Call me 'old fashioned' but I thought the idea of planning for a baby involved, you know, actually planning how you manage with maternity leave etc.

just not got the patience for this kinda stuff

OP posts:
Report
LIZS · 29/09/2011 08:35

Agree , if it is even possibly going to be an issue then you look into it in advance. I'm sure they'll manage , somehow, just like we have all had to do. lol @ nursery judged by the cars outside! Enjoy the pfb-isms!

Report
PorridgeBrain · 29/09/2011 08:22

I'm exactly the same Morloth

Report
Morloth · 29/09/2011 05:11

I am always astonished at how many people don't seem to plan for anything.

Obviously, I know I can't control all the variables, but I like to have a plan, a flexible plan for sure, but a good solid idea about where we are going to be and what we are going to be doing for at least a couple of years.

Report
soymama · 29/09/2011 04:03

My friend got £700+ a week MP! She was in sales and worked her butt off though.

Report
PorridgeBrain · 29/09/2011 02:50

Yanbu, I don't understand the lack of planning and then being shocked you can't afford it either.  I only got Smp which was about 10% of my normal salary so i had to save up to cover some of my salary drop both times before I got pregnant.  

Glad they have now managed to work out how to make ends meet :)

Report
AfternoonDelight · 28/09/2011 23:53

God, I checked almost obsessively about pay and how we would manage. I had 9 months off with DS - bliss.

I had 9 weeks off with DD despite having been promoted in that time and SMP had gone up. Shit happens.

Report
Kayano · 28/09/2011 23:25

Stubble?!
Struggle!!!
Damn you autocorrect

Report
Kayano · 28/09/2011 23:24

I didn't check.

I couldn't care less lol. I have a family who stubble so much to have children so it's all I have known. I got to 26 years old and said Sod it! I was pregnant in like 2 weeks Blush

Was expecting a good few years of hard slog to be honest. Grin

Report
signothetimes · 28/09/2011 23:15

A wee update Grin

Colleague has calmed down a little, realising that she does have the option of a payment break in her mortgage. She'll not be paying over £200 a month travel costs too, so she won't be as destitute as she first feared. Hubby has reassured her that they'll manage, he will work weekends (to avoid getting rid of the SKY package) as well as his full time job to make sure she can stay off as long as she wants to. She is planning on returning after 3/4 mths anyway, as she doesn't want to get out of the swing of things at work. Her 'tears' were over a period of 6 weeks between getting the last of her wages, and going back to work. Hmm

She thinks she's found a nursery she can use one day a week - judged solely on the calibre of cars driven by the parents using said nursery. Not phoned them, look at it, spoken to a soul. She thinks it's important for her baby to be socialised at the nursery 'cos her 18mth nephew (who doesn't go to nursery) hit another child at his 1st experience of a party, as the child nicked his toy.

My judge-y pants have been chaffing all day Grin 'Tis midly amusing listening to her, knowing the comedy-stylee frying-pan-to-the-face shock that will hit her when this PFB arrives and wreaks havoc with her plans. Much the same as it did me - the realisation that, no, no one else actually wants to deal with a screaming baby to give you a break - that was my job and I wasn't getting away from it Grin

I'm sure she'll be a great mum, once she settles into the reality of parent-hood. She's just as unrealistic as pretty much all of us were, pre-first born. But amusing all the same Grin

OP posts:
Report
theoldtrout01876 · 28/09/2011 20:15

Tee2072 Oh you do get family medical leave,its up to 12 weeks a year I think.BUT its not paid,they cant deny you that leave but dont have to pay you for it and i know no one personally who has ever gotten paid for it.

They dont actually fire you for being pregnant but when you go out to have the baby a lot of places will not hold your job,if your not back in as little as 2 weeks, in some cases, they hire some one else,that happened to a friend of mine,not that very long ago, and she had to go back to work after 2 weeks

My job at the moment lets you take your sick time and accrued vacation time and thats it

Report
Catslikehats · 28/09/2011 10:09

I didn't look at either details of my maternity pay or childcare costs tbh.

I wanted to have a baby more than I was worried about what we might have to cut back on so just went for it. I think if I had known that childcare for my PFB was going to cost me £1800 a month I'd probably still be childless rather than a mother of 4 Grin

Report
Faffalina · 28/09/2011 10:08

Maybe she could save some money while she's still working? I had to do that and it was fine.

But yes, as the baby is planned, really they ought to have checked out maternity pay!

Report
Treats · 28/09/2011 10:01

fanjobanjowanjo - sorry if my 'barely noticed' sounded a bit crass. Just to clarify - I only earned SMP for my first ML (as I will this time round) but just found that my expenses had also reduced (no travel, or going out, or buying a sandwich for lunch every day or needing an expensive wardrobe), so that the drop in income wasn't as severe as it might have been. I was certainly very clear about what I would be paid when I was on ML as I drafted our company's ML policy!

It was much, much harder when I went BACK to work after 6 months ML as we had to pay nursery fees. And I shall feel comparatively wealthy receiving my nine months SMP this time round, once the cost of two lots of childcare are deducted from my salary when I return to work......

Report
Minus273 · 27/09/2011 22:08

Wow, 6 months full pay, I'm NHS and I don'r get that long on full pay. What has surprised me is the number of people who are shocked I'm not taking th whole year off. (wish I could). Wasn't doing that even before DH's redundancy.

Report
trixymalixy · 27/09/2011 19:17

All my friends got 6 months full pay (public sector workers) so I got an almighty shock when I found out I would only get SMP. That was before getting pregnant, but had I realised I would have changed jobs to get better mat pay before we felt ready to start a family.

Report
tyler80 · 27/09/2011 17:24

I think some people tend to listen to friend's experiences etc. rather than finding out the facts for themselves.

So if you had a friend who earned a similar amount of money you might think that you'd get a similar amount of maternity pay and not look into it in too much detail. It's not always obvious to people that maternity pay and allowance over and above statutory varies quite a bit.

I have heard intelligent people making statements about maternity pay that are just plain wrong. You often here people talk about generous maternity packages for public sector workers but I've worked places where it's not much above statutory levels. So whilst I think it's a little foolish to not find out these facts I can see how some might think they'd be ok when they're actually facing a fairly big drop in income.

Report
Northernlurker · 27/09/2011 16:55

I don't understand either how people can plan a pregnancy without looking at their pay or childcare costs. Accidental pregnancy is of course totally another matter.

Report
PonceyMcPonce · 27/09/2011 16:46

This reply has been deleted

Message withdrawn at poster's request.

DrCoconut · 27/09/2011 16:39

We planned it but I will be cutting my leave short as I can't afford a full year. We have always known this though. Unfortunately DS2 came along just a few days before the new rules on paternity came in (and one day too late for the sure start grant which with 2 kids we would have qualified for were it not for it changing to 1st child only, grr). We would be better off with DH on paternity pay and no childcare or fuel for work bills. But he only got the 2 weeks.So now the real cost starts.... Surely though everyone thinks about how they will live before a major life change that will affect income/outgoings so massively?

Report
fanjobanjowanjo · 27/09/2011 15:42

Sign @those who "barely noticed" and didn't bother finding out about finance.

It's mainly a sigh of envy that you have so little worry about your money.

It's also a sigh at the slightly smug way it comes across, granted thats probably me because I'm envious of the lack of worry.

Report
Treats · 27/09/2011 15:35

I was GOING to say - YABU, not all pregnancies are planned and you can't tell if your circumstances might change once you've got pregnant - but then I read your full OP and I think I have to agree with you.

It's surprising how well you can manage with the drop in income though - I barely noticed first time round. And my situation is the same as Beveridge - I shall be a lot poorer when I go back to work after my second ML than I will be while I'm receiving my SMP.

Report
NotFromConcentrate · 27/09/2011 14:40

YANBU, particularly if the baby was planned.

I am expecting our third baby, who has come as a bit of a surprise (a peasant one, but a surprise nonetheless). I have to admit to being a bit taken aback by the fact that the company I now work for offer nothing other than statutory entitlement, especially as they are a company who pay well etc.

Like I said though, her baby was planned and she was silly not to look into how their finances might be affected.

Report

Don’t want to miss threads like this?

Weekly

Sign up to our weekly round up and get all the best threads sent straight to your inbox!

Log in to update your newsletter preferences.

You've subscribed!

ViviPru · 27/09/2011 14:31

As someone delaying having children partially because we couldn't cope financially if I did, it irks when friends blithely pop out sprogs then are surprised how hard they finding it money-wise and feel themselves hard done by.

Report
kblu · 27/09/2011 14:08

I used to put a percentage of my full time wages in a savings account for the nine months I was pregnant so that it could be used to top up my SMP when I was on ML. It was probably only £30.00 or so a week but it made a massive difference.

Report
HappyMummyOfOne · 27/09/2011 07:42

YANBU, its not just maternity leave people dont account for but the cost of childcare/raising a child.

It would be interesting to see the percentage of families that work out finances first v those that dont. However a high percentage probably factor in benefits which is not really financial planning but relying on somebody else.

Report
Please create an account

To comment on this thread you need to create a Mumsnet account.