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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To feel for my friend who is very anxious about how she will afford twins.

134 replies

BobDylansUnderpants · 26/03/2017 17:34

My friend is due twins in the next few months the and she is beside herself with worry about how her and her DH will cope financially. She would never have aborted as that was never an option for her for religious reasons.

She lives in what i would consider a small house with her DH and 2DCs. The DCs share a room and there is a small box room which would just about fit a single bed. The fact her house is too small is the least of her worries.

She says she just about can manage the mortgage payments and living costs with just the 4 of them and has little left over for savings. They hardly go on holiday and live within their means.

She is really worried about how she will manage with paying for the gazillion nappies, milk, baby clothes every few months and the general cost of kids.

She told me that she has just missed out on tax credits which she won't get anymore for the twins as the government only pay for 2 kids. She could have got an additional 5k a year which she says would have really helped alot. ( Not sure if the figure is correct)

I don't really know what to suggest for her and wondered if anyone has had similar experience of unexpectedly having lots more kids and how you managed financially. It feel such a shame that the government have stopped the tax credits as it would have really helped her family and no doubt others in similar circumstances.

OP posts:
BarbarianMum · 26/03/2017 19:15

jack I think insurance and savings so that you can manage a change in circumstances should be part of the decision making process when you are choosing to have more than 3 kids. Because redundancy and ill health are pretty common. Not that that helps if you have an unexpected pregnancy, of course.

kateandme · 26/03/2017 19:15

there are lots of support on fb groups too.local area toy swaps.online lego swap schemes.clothes can be really nice second hand but its about where you live my sister found,she traveled(yes she did)to conrwall where all the stuff in charity shop was so lovely!!and great condistion just due to location and people who live and give away.
ask about there is lots of support networks now because she isn't alone.
I'm so sorry for her.try to help her see the enjoyment and amazing blessing in the kiddie winks.if she can keep focused on them and that then the strength she will feel to get through wil help so much!otherwsie the burden will fall so heavy on her shoulders.sounds silly but positive mental atitiude really helps.
keep an eye online fr the clearance sections of baby sites.
emotional support
a good midwife is a must.they can offer so may things.
nct charity runs nearly new sales acorss the country and offes support

londonrach · 26/03/2017 19:18

If you cant afford it why have children? Maybe im old fashioned but my dd my problem.

jacks11 · 26/03/2017 19:23

Barbarian

I do agree- I have income protection insurance (covers me if I become too unwell to work), for instance. As well as the usual mortgage insurance, life insurance, savings and so on.

Although, I suppose it must be said that I am relatively lucky that I can afford to pay the premiums (they aren't exactly cheap) and afford to put money away every month. However, I have limited the size of my family based on a number of factors- finances being one of them.

user1463172942 · 26/03/2017 19:23

When I had 2 kids, was a full time student and then DH lost his job I fell pregnant with our 3rd.

It wasn't planned, it was a contraceptive failure and I went straight for the MAP the next day but still ended up with ds3.

Thank goodness I found people more supportive in real life Biscuit

AndKnowItsSeven · 26/03/2017 19:25

Soot Sprite what makes you think the ops friend are not a hard working family?

Middleoftheroad · 26/03/2017 19:26

when i had twins 11 yrs ago the tax credits only gave you the additional baby element for one - even though I had two..That was a shitty policy.

knowing how pricey kids are I woild not have any more and this does need to be factored in. That said, I didnt plan for two at once but my eggs had other plans!

I won't lie, twins are v expensive in the nappy and formula days...there's no way round that. It was my choice not to breastfeed twins and I hope she still gets that choice if she doesnt want to bf.

Then I guess it's like having two but with no hand me downs, buying two lots of secondary uniforms, simultaneous uni fees. But we share parties, toys etc. At first we all lived in a 2 bed flat and it was 'cosy'.

But I only had two. I think with two others we would struggle greatly

user1463172942 · 26/03/2017 19:27

Should add that dh eventually found another job and I qualified in my profession (2 weeks before ds was born) but whilst things where very difficult tax credits were, literally, a life saver.

Some of these smug posters are going to look like right idiots if life ever throws them a curve ball.

GetAHaircutCarl · 26/03/2017 19:28

Advise her that contact TAMBA as many parents of multiples are desperate to give away their stuff after the baby stage as it takes up too much room in storage.

Plus many parents of multiples are older so not keeping for the next baby.

Plus ( statistically) better off so less likely to need to sell.

KathArtic · 26/03/2017 19:29

I think the thread was started to start another debate on the government's decision to limit tax credits I think so too.

Wando1986 · 26/03/2017 19:30

SweetKitty if the 2nd 'child' is actually multiples (twins, triplets, whatever) then they are permitted to claim for them all.

Hellmouth · 26/03/2017 19:31

I have some actual suggestions :)

I feel for her as my DS was unplanned. We are just about scraping by, as we are not entitled to any tax credits. Our income just about covers the essentials, including childcare, in the south east.

Also, I am a twin and my mum raised us on her own with very little support from our dad!

Tell her to look up Freecycle and Mum's markets. She might also want to consider going on eBay for 2nd hand stuff. Also, maybe she might want to think about learning to knit and crochet. My mum made loads of our baby clothes.

witsender · 26/03/2017 19:32

Contraceptive failures are rare, but happen. I'm currently pregnant with #3 despite having had a coil fitted. 😂 Am praying it isn't twins. 🤞

I find the 3 child policy hard to swallow in many regards, but I can appreciate the necessity in the long term.

GetAHaircutCarl · 26/03/2017 19:32

Absolutely it was.

But in case anyone genuine is reading. It's useful to post advice, no?

Middleoftheroad · 26/03/2017 19:33

Oh and yes we had to buy a bigger car and house.
childcare an issue - went back to work part time when DTs were 9 months only because grandparents childminded for us 2 of the 3 days.

PegLegAntoine · 26/03/2017 19:33

Genuine question - is it actually cheaper getting baby clothes on eBay? I found it's often more expensive brands on there so although cheaper second hand, I'd have thought it's still more expensive than going to Asda/Primark and getting their cheapest basic stuff? Sorry if that's a stupid question.

NewPuppyMum · 26/03/2017 19:37

Second hand washable nappies.
Breast feed.
Minimal baby clothes.
Second job for the dh.
Snip for the dh if allowed.

Wando1986 · 26/03/2017 19:38

No, ebay is a rip off. Asda and Primark are the best prices out there for baby basics. You can only do better if you get them in 'bundles' on local FB baby clothes selling pages. I got a huge bag of barely worn boys stuff in very good condition sizes 0-3 & 3-6 for £10 on facebook. We've pretty much kitted him out for the first 12 months for less than £200 including the cot and moses basket.

Babyroobs · 26/03/2017 19:38

I think the real problems with a large family start when they get older, although I appreciate the first couple of years are a struggle. Hopefully by the time they really hit the expensive years both parents can be back in full time work and childcare less.

BobDylansUnderpants · 26/03/2017 19:45

Thx everyone there have been some really useful suggestions. Yes the thread has ended up about a discussion about tax credits but it does affect my friend and others in similar situations so of course it would be discussed. Hmm

I've made a list of some of the charities and i don't think she's on Facebook so will try that. Her family have all chipped in and bought her a double buggy and car seats. So thank for pps for offering help.

I'm not sure if she will be breastfeeding as she found it very difficult to breastfeed her first and her second was very hard work.

She is due early June. I think it's a matter of just coping. She will have to i guess as she had no other choice.

OP posts:
ThisIsStartingToBoreMe · 26/03/2017 19:52

Could their families offer any financial support?

Leeds2 · 26/03/2017 19:54

I presume she has hand me down clothes/bedding/a cot/toys etc from the older two, which will help?

GetAHaircutCarl · 26/03/2017 19:55

TAMBA is definitely worth a go.

We gave away 2 Moses baskets, 2 cots, 2 car seats, 2 swing chairs, 2 slings plus tons of prem clothing ( many twins are tiny).

minisoksmakehardwork · 26/03/2017 20:18

I have been in your friend's shoes. When my eldest two were 1 and 3 I fell unexpectedly pregnant with twins. We had talked about a third child but I fell with twins and also much sooner than anticipated, given I was still using contraception at the time. Upon their arrival all 4 dc were just under 4 years.

We were, and remain in a 2 bed house. All 4 dc share. We cannot afford to move, but are trapped in a house worth less than the mortgage otherwise we would rent. I gave up work because childcare for 4 would have consumed my wage and some. We were lucky that tax credits were payable for a period of time but due to dh's wages we do get the bare minimum.

Because of the age gap, and having 2 boys, 2 girls, we have been conscious of saving and reusing as much as possible. E.g. When dd1 outgrows clothes, we keep them ready for twin daughter, the same for twin son. Although he is practically in the same size clothes as his older brother. Things which can be used as unisex are - wellies, bikes, coats.

I wasn't too proud to accept donations of things from friends, which helped greatly. E.g. My sister gave us a cot bed which helped greatly when a friend needed theirs back (we'd loaned them one when they had twins a few months after our middle one was born). They also gave us a lot of clothes and things that their twins had outgrown.

Second hand serves us very well. We have good friends and we all share handmedowns around. Some things have been used by 4 or more children! E.g. Moses baskets - cheap enough to buy a new mattress, bouncy chairs, high chairs, baby baths. None of us mind either of things get worn out so are not returnable. The ethos is more making sure it's used and is useful rather than worrying about keeping it pristine.

With twins she will get double vouchers in hospital. They don't always work out best value but if she hits an offer, then they definitely do. I could buy nappies on offer for 2 packs for x amount and use 2 vouchers on them. So the saving was then worth it.

Some things are not worth it imo. Eg we went straight for the bullky fixed car seats rather than infant carriers. I had a double lie flat stroller as was better for me and our car. The idea of me carrying two infant seats when it was just me going to clinics and groups was incomprehensible.

Babyroobs · 26/03/2017 20:25

Mini- It's great that baby stuff can be recycled in that way. So many people think they need new everything but they really don't. Our local charity shops are full of baby baths/ moses baskets and baby clothes in great condition.