Just been educating DP financially. Man that guy is clueless. On the plus side, me educating him has made me see that things aren't going to be as tough as I had imagined while on mat leave, provided the house doesn't fall down. I knew it wouldn't be terrible, but I knew that we would struggle if a big bill came in.
Still have to get rid of the gardener and buy a lawnmower though 
I'm quite grateful that I have quite a few presents stashed away for christmas already. We've just set a budget for gifts for those left to buy for, so that makes me feel easier. I also pay for a policy which gives me cash back on my optical/dental care, and I claim back more than I pay, so for me it's very worth it. Even better, after having a baby, I get £350. That's a definite bonus So that can go in the saving pot.
Car insurance is halving for DP from October too, from £150 a month, yippeeeee! It's a bloody killler that cost every month! Also, by the time my pay drops, we will have finished paying off another large bill. And if we can manage to pay off the remainder of the council tax, then that's 2 months council tax free, and my car insurance isn't payable in those 2 months either. Which is feb and march. While on crap pay.
So, even though it can't extend my leave as we won't have enough to manage another month or so off, we won't be as badly skint as imagined. I hope. Well, all bills are accounted for, and there is extra money spare each month, and we will have a small amount saved, plus credit card with a small limit if it really goes tits up. Failing that. Bank of dad I guess...
I'm sure it will be fine.