Hi
I have a little one born in Jan 🥰 and next year I want to go back to work hoping to pay for a nursery or childminder for 2 days whilst I drop a day, my mom does a day and so does my partner. Even doing this im struggling to make the finances work. My pay will reduce by 20%, our mortgage is set to go up by £300 pm and we pay a shit tonne on credit card which are minimum payments. I do get a bonus but even factoring in that it’s still not enough. If I went back to work FT (I’m the breadwinner) we would be even worse off as the mortgage will still go up and we would lose my partners pay and besides it will kill me working FT and not seeing my baby as much. We aren’t eligible for UC (just over the threshold) but can get the tax free childcare but I’ve factored that in too. How do people actually survive and pay bills?!! We have no savings. Our bills are so cut back we don’t go out or do barely anything they are just too high and the credits cards are crippling us. Aside from asking my mortgage company for more money as our LTV is 65% or getting a money transfer on credit I don’t really know what else we can do…. Or borrow off family but it’s embarrassing! I don’t think there is an answer and it’s stressing me out when I want to be enjoying my mat leave 😔