Hi. I’m a newbie so please be kind! 😟
I’ve been worrying about this for months now, trawling google etc but figured it was best to just ask those that know these things...
Basically my husband and I were married last summer. We are planning on TTC in February. BUT... I’m terrified of the finances.
Between us we bring in about £3500 a month. I’m sure to many this sounds like a lot but when there’s the mortgage, bills, debt repayment etc is quickly goes. We live Paycheck to Paycheck and I genuinely don’t see how we can afford childcare.
I feel really stupid saying that considering our monthly income, and I’m sorry if that annoys anyone, but our debt alone is £600 a month (I didn’t know how bad DH credit card situation was, he was very good at hiding it. I have his cards now and he’s trying to pay them off but as with all things it takes time.) I have a car/honeymoon loan for 4 more years but I got that not realising his situation.
Because of our salaries we are not entitled to any support from the govornment.
I really want a baby (I’m mid 30’s and aware of my increasing age.)
I guess I’m just desperately hoping that someone out there will tell me that we can do this, we both really want it, but I worry that we are just being completely irresponsible to even consider it.
I’m sorry that this post is so long. I guess all my worry is spilling out. Thank you for reading of you have gotten this far, and thank you for your input/advice in advance.
Gratefully,
ConstantlyWorried