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I can't help but worry, please can you help ease my mind

15 replies

heretobeanonymous · 05/05/2020 11:33

I can't help but send my mind on overdrive everyday, I have such anxiety for when we go back to work. I've just found out I'm pregnant with DC2(which we are very excited about) but I'm so stressed just thinking about it. I work in the hospitality sector, so I think we will be affected for a long time and will not go back to normal this year at least. Do you think hotels in the UK will be laying people off and going through redundancies when we've gone back to work? I already know that they will not be applying for any help from the government as they don't want debt to pay back. I work in the accounts dept. at a hotel in WM and I'm so so stressed that I will be made redundant while pregnant. I try to tell myself that surely they will need our department the most and can't get rid of us (only 3 people in our team) as we are crucial and we are already so behind BUT at the same time I think they will be going for people that have been with the company less than 2 years. I have only been there just coming up to a year now so no redundancy pay either, nothing. Nobody will employ me when I am pregnant, especially when social distancing or some measures are still in place. I don't know what to do! I'd love to stay there as I love the job and the people but they've already shown that they don't care about their employees enough to work as a team, keep their loyalty and to even care about keeping people on as they'd rather just replace them when they can. I would have no income, no SMP, no job to come back to and even though DH's wage is good, my FT salary or SMP is needed to get us through and we would simply not be able to afford to live and feed our family. Not eligible for any benefits or UC due to DH's salary, not even now that they've increased it. Do you think I'm being unreasonable to think negatively and worry or is this likely to actually happen to me and I should in fact prepare myself for it?

OP posts:
heretobeanonymous · 05/05/2020 11:44

Anyone please? Sad

OP posts:
Dragongirl10 · 05/05/2020 11:50

I think you need to hope for the best but prepare calmly for the worst, look at all and every way you can earn some money to save now.

slashlover · 05/05/2020 11:57

The truth is that nobody knows. Some people are expecting the public to go out and spend when restrictions are lifted and overseas travel isn't an option. Some people are expecting them to still be wary and not be able to afford it because of redundancies.

I'd be preparing myself no matter what - sorting out ebay stuff I can sell, reading the MSE forums, working out a budget and seeing where I can make savings.

mooching · 05/05/2020 11:57

You work in accounts which is a very transferable skill across all sectors. This is positive!

As poster said above I'm afraid these are worrying times for all. Start saving now and thinking of how you can get by on just DH's salary just in case.

Sn0tnose · 05/05/2020 12:13

Congratulations 💐

As Dragongirl said, hope for the best but prepare for the worst. Get your CV looking perfect. Sell anything you don’t need or want now, while lots of people still have some cash. Start thinking of expenditures you can cut. Cheaper phones, utilities, tv packages etc. Can you transfer any credit card debt onto 0% interest cards? Start planning a monthly budget based on your DH’s salary only. If you start cutting your cloth now, it’s not going to come as such a nasty shock if/when the worst happens.

heretobeanonymous · 05/05/2020 12:22

I agree, we have some savings but probably enough to get us though a month or two at least but no more than that so I just tried to do a budget with just his wage and my CB and we're £1400 down Confused

OP posts:
mooching · 05/05/2020 12:57

£1,400 is a lot. Is this based on bills, can you for instance renegotiate mortgage payments?

Marsalimay · 05/05/2020 13:08

I think you need to hope for the best but prepare calmly for the worst...

Is pretty much the conclusion of an interesting article in today's Grauniad,
Focus on right now how to mentally prepare for more Covid-19 uncertainty

Marsalimay · 05/05/2020 13:11

If you post your outgoings (here or on the Money forum) you could get some good suggestions on where to reduce and save money.

slashlover · 05/05/2020 13:23

I'd go to the MSE forums, fill out the full budget and people will pick over it for any savings. If you have Sky then get rid, if you have expensive mobile phones then get rid, go onto OpenLearn and do some relevant courses, work on your CV. Do everything possible just in case.

heretobeanonymous · 05/05/2020 13:33

Great advice, thank you! I will post on the money saving forum now. Thanks so much x

OP posts:
heretobeanonymous · 05/05/2020 13:34

Oops, Where can I find it? Grin

OP posts:
OmgThereAreNoPlanesAboveMeNow · 05/05/2020 13:35

I think you need to hope for the best but prepare calmly for the worst...

Absolutely. We too are in hospitality, but not the part affected like hotels. If I worked for hotels or certain restaurants I would really be preparing for worst and updating my cv and making sure it is everywhere.

OmgThereAreNoPlanesAboveMeNow · 05/05/2020 13:36

And I know this will sound super harsh, but if I am absolutely honest and that is my view, I would not be having another child.

slashlover · 05/05/2020 14:08

MSE Forum to post your budget (although I'd read through all the topics) forums.moneysavingexpert.com/categories/debt-free-wannabe

Fill in your budget details here (it wont be right first time but you have to be truthful) www.stoozing.com/soa.php

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