Hello mums,
ive got a 3 week old baby, and we are starting to struggle financially very badly.
I’m on maternity allowance not SMP so get £187 per week. My OH earns around £32,000 before tax which may seem a lot but after bills and everything we are skint. I pay household bills and he pays rent and car payments. Our rent is £850 for a 3 bed, it’s a shitehole, mold infested and our hob doesn’t even work so I can’t cook properly. The rest of wage goes on his car payment and emergency money if there is anything left.
My household bills cost me around £900 so it leaves me to have to use overdraft and credit cards to pay for electricity and food. Please don’t work out the maths, we don’t have enough.
UC wont touch us as we earn to much but we are worse off.
I’ve sold all my valuables on to pay for previous bills and to get by.
we have no savings, my OH is locked into a financial deal with his car so we can’t sell it.
So what the hell do I do, Mother in law can look after my DD for 1-2 days a week, I can put DD in nursary at 8 weeks for £80 a day !!! If I get a job the most I will earn is roughly £30 k, I can’t work self employed on MAT allowance.
I don’t know what people do in our position.
Please give so advice as one stressed mum can’t even afford food this week.