wirra I had similar fears about the whole NCT thing for much the same reason (again, no offence to anyone who's had a great experience, but reviews have def been mixed where I am). Will dig further...
Also, on mortgages and money. Deep sigh. I'm in a similar position as I earn considerably more than DH, and my mat leave allowance is just shite. Like, it's statutory, I think - 90 per cent of my salary for 6 weeks and then SMP.
We're in London, haven't been able to buy, but have to now because once I'm on SMP we won't be able to afford our rent. So will be lying about my pregnancy to try to get a mortgage, we'll need a 95 per cent one as we don't have money for a big deposit, and will have to downsize massively to be able to afford a roof.
It's horrible. And yet we're two hard-working professionals in our early 30s who've always worked, have good solid jobs with decent pay and prospects....and here we are. Irony is if we were living anywhere else we'd get a house and mortgage no bother.
But if we moved from London we wouldn't have our jobs....
Ach, sod it. I'm done with having a real life anyway. Gonna sit me at home with my baby and lentil-munch. 