Is my life a shambles?

[clickyourredshoestogether3times]

There's 4 of us. 2 adults 2 primary children. All children ours no blended families

Hubby works but is self employed so understand has quiet periods

I was working in retail but lost my job last year and have been on the hunt ever since but it's tough going

We privately rent but a lot of our monthly money is UC as my earnings are nil and his can be low like around 1200

We do manage but I feel like will it ever get easier?

Also would u judge me based on the above

This is worrying. You have FOUR kids. What example are they going to grow up with? Your DH needs to start pulling his weight and not relying on UC to bridge the gap. And tbh I think you need to tell him a minimum he must bring in and set yourself some goals if you want to get out of the poverty trap.

This. I work incredibly hard, earn a good salary, but I can’t afford one child - or at least, don’t think it would be financially responsible to have one. Then there’s this? Maybe I shouldn’t have gone to uni, worked hard to get on the property ladder, when I actually ended up with effectively less than people who didn’t? (I’d rather a family than material wealth?)

I think you’ll find they have two children. Unless the OP has had two more since her first post.

Your husband won’t be entitled to it once you die, in case of a divorce. He will be entitled to half of the asset when you divorce.

How on earth do you extrapolate that. By the sounds of it it was to cover the financial situation.

Sensitive or what.

@EalingLucy where on earth did u get 4 kids as I never said that? I have 2 kids

@Ginmonkeyagain yea I know it's him at fault and seeing as how I'm looking for a job now, I sure as well should have one by the time my youngest is 18 which is 15 years away! Can't take that long to get a job pmsl

You get a FT job. He covers childcare and does his own self-employed job around that.

Do you expect your children to work full time when they are adults? It would be good for them to have a parent who did so.it seems very naive of your DP to not be doing everything he can to support his family or to support you to bring in sufficient income.