Oh I'm sorry - Ignore me really. I was having a crap day and just ranting really - I was exhausted and sick and missing my husband who's worked 7 days this week. My 2 year old dh spent the week before last in hospital with pneumonia and I've been obviously worried - I'd got a bill through the door when I arrived home Friday eve for his hospital stay after just paying slightly under €200 for his initial GP visit and medication. The boiler broke yesterday and I couldn't heat the house and couldn't afford to fix it so was stressed and upset about how I'd keep him warm.
Some interesting points raised on this thread, I'm sorry I can't reply to everyone as I'm on my phone and can't scroll back but there'd loads I want to say. Thank you for the kindness shown too.
We are so much luckier than some - on my good days I'm very aware of this and grateful but I suppose sometimes, its no consolation when you're having an off day.
We wouldnt consider posting the keys back - out of obligation to ourselves and our children and our future and also to others left in this country - who pays if we all did this? The tax payer. I'm aware we are lucky to have a choice not to, mind - despite finding it very difficult right now.
Unlike many, there's light at the end of the tunnel for us. We know if we keep going the way we are and once our children are out of full time childcare we'll be fine. Its just getting through the next 5 years here that sometimes becomes overwhelming. At least we have something to look forward to.
I can't remember who asked what but no, we didn't live beyond our means - we both chose public sector jobs which meant while many of our friends were making double and triple our wages during the boom, we muddled along on quite rubbish salaries. We built simply because it was much cheaper and because we wanted to live very close to my mum so there's someone to take care of her when she's older. A basic home at the time would have cost us between 350k - 400k to buy, by building our mortgage is a lot less (and we built by direct labour - no contractor to save more)
While it is probably unusual for someone of our age (no, dh is not much older - he's 28) to have what we've chosen to have, i don't think we were unreasonable - while our friends were out in their late teens partying and drinking their money we were working, staying in and saving every penny we could. Dd1 arrived (unplanned) 3 weeks after my 20th birthday and we were determined not to fall into the stereotypical "young parents" notion so were very sensible.
I think law was a stupid choice anyway- notoriously difficult to obtain an apprenticeship and even if I was lucky enough, I couldn't afford to with a family to support and there simply are no jobs in law available - notoriously over subscribed to (wasn't aware of this when I started). I don't know how I could go any way - dh used to be here at night with dc while I went to college but he now works up to 5 nights a week (2nd job).
Whoever said we should be doing more? I'm still completely bemused - we work, between us, approx 90 hours per week - excluding travel time to and from work (we're 40 mins away), paid work that is - before we ever do an ounce of housework/ childcare etc..
Just tired!