Are we going to be able to survive on this money?

[username6050]

£2,100 between us a month.

Rent is £900.
DP has to pay £400 maintenance.
£450 nursery charges a month.
Will have a 2 year old and a newborn.

It's all seeming impossible!

Yes, dear, that's right. But you've filled the world with more than enough offspring. Find another interest other than procreating.

MyDCAreMarvel I hope he has more than a Masters to pay fully for 8 children, otherwise they might be planned for you but not for the rest of us.

Well he can’t afford 4 children on his current salary, that’s for sure. Possibly poor planning, possibly changed circumstances, OP isn’t sharing which is of course her right. But all 4 children exist and need supporting so he (and you) need to look at ways to increase your income and decrease outgoings. Reducing maintenance is not an option. You and he chose to have two more children while knowing he already had two children to support.

While you’re on mat leave it makes sense to stop the nursery for the toddler, since you’re at home looking after the baby anyway. After mat leave you or he may need to change jobs or shifts so you can work opposite hours and reduce or eliminate the childcare costs, because childcare for two will be very expensive for the salaries you’re on. You won’t have much family time but that’s a sacrifice that may have to be made for your choice to have another child.

MyDCAreMarvel I hope he has more than a Masters to pay fully for 8 children, otherwise they might be planned for you but not for the rest of us
He earns just under 100k which goes a long way in the North , but thanks for your concern.

You’re not going to be able to survive on that income with £900 rent . You’ll both need to work more hours .

No you will not be able to manage on that

Oh get a grip with your fake smugness. Quadruple that and I might be less "concerned" as you put it. On that sum of money its not like the kids are privately educated or have private healthcare so your impact on the public system well outstrips what your DH pays in income tax.

Look at universal credit OP, you could be entitled to something.

I’m currently on ML, and my 2 year old still goes to nursery two days a week. The amount we get in UC pays for this, purely because it saves my sanity that she still goes, she enjoys it and it’s good for her development. I would pull her out if i had no other choice, but fortunately we don’t have to. Get on turn2us and sntitled to, see what you may be able to claim.

Some people are so rude.

Am not at all smug, what a strange way of thinking.
The 100k is only my dh wage it’s not our only income. We have private health care.
Am not concerned about the cost of our child’s state education , I am sure my dc will pay plenty back into the pot.

OP, is the maintenance the CMS minimum?

OP, please PM me as I will be able to help better with specifics (I need to know your local authority to establish the LHA rate assuming private rent).
Universal credit elements: couple over 25 £498, child 1 £277, child 2 £231, rent £900, childcare £382.50 (85% of £450)
Totals £2288.50
Deductions due to earnings £2100 (wage) - £287 (work allowance) = £1813.
The total taken off your UC entitlement is 63% of this figure - so £1441.

£2288.50 - £1441 = £847.50 total UC entitlement.

I have assumed the following: both over 25, first child born before April 17, rent is within the local housing allowance.

Either way you would be entitled to several hundred per month. Hope this helps a little.

Ignore my above figure, sausage fingers managed to key the number wrong when workingout 63% for the deduction. 🤦
Correct figure is £1142. Minus that from £2288.50. Equals £1146.50 total universal credit entitlement.

All other figures are correct.

You kind of need to have unprotected sex if you want to get pregnant.

Not true, you need to have sex but protection isn’t foolproof sadly, it just reduces the risk.

One or both of you need to earn more really, it’s the only way you will survive. Either that or move into a cheaper home.

@ThisMustBeMyDream They would be entitled to £1100 UC a month? So a net income of £3300. That's way more than I used to take home when on £50000. And they would get child benefit too?

Not sure about education but just going on my acquaintances/ experiences I’d expect a sort of inverted bell curve. So lots of babies for very low and very high income men

Would also love to know the # behind that like if it’s all with the same women or lots of different women. I can totally see super rich men going forth and ‘sowing their seed’ with lots of different women, as they have the financial resources to not really worry too much about additional costs.

I have RTFT and don't think anyone else has asked this, but how are you managing on that income currently?? I'm assuming you have some nursery fees for the 2 year old, rent/income is the same... even without the newborn that's an incredibly tight budget!

I’d like to know what the correlation is in the U.K. between a fathers level of education and income, and rhe # of children they father. I expect it’s inversely correlated.

Sadly, and as snobby as it is, I suspect this is true.

Are you including your maternity pay in this? Child Benefit?

No I would not say that it will be possible to survive on £350 per month disposable income. Presumably you have utilities and council tax to pay as well as food and children's expenditure. Do you run a car? I think you will need to either reduce nursery costs by taking your elder child out and maybe just keep her/him in for one day to maintain some continuity or raise more income. The CM is high as a proportion of disposable income but as you say they will not allow the nursery costs. How old is your elder child? Too young for free hours?

Hmmm I would say that you were pretty smug. I could almost imagine you stroking your bump expecting people to praise you for having so many kids with a man with a masters. Even now you aren’t concerned that your kids are all in the state system as they will all ‘pay plenty back’.

None of us know what our kids are going to do. All we can do is take responsibility for them so in the meantime I will fund my kids 100% on every front without making any assumptions.

@Aligatorsnaps I've missed the start of whatever this side-argument is - but are you saying we shouldn't have kids unless we can afford private healthcare and schooling?

More fool you alligator paying for private school is foolish.

No of course not. I was commenting on a response made by MyDCareMarvel that she should be able to have 8 children because her husband has a masters as if that was the golden bullet and the only thing that matters. It isn’t and having that number of kids is irresponsible unless you can fund them

OP I think people would be better able to suggest things if you explained more, but you don't seem keen on answering questions.

What is your partner's salary and hours? What are yours? How old are your kids? Are you on maternity leave or working PT? How many days a week does he have his older children?