Based on our salary can we afford a child ?

[Fitness247]

I live in Scotland with my partner of 6 years in a 1 bed council flat in the city centre, I’m nearly 30, partners 35 and we’re thinking of having a child but I’m worried about finances.

I work in the healthcare/care sector getting £16k partner is on £17k so pretty low salaries but our city/lifestyle is very cheap. When we have a child I would work p/t as obviously childcare would cost more then my salary so not worth it. We are able to buy our flat then in 5 years we can sell it and buy a 2-3 bed flat/house in cash due to council discount. My family are able to help for childcare if I work part time.

I can try to increase my salary but that’s not guaranteed in my sector as it’s badly paid even at manager level but obviously will try to get better pay in the future.

I’ve done the sums and this is the result: salary per month = £2,300 (roughly)

Rent/or mortgage = £300
Water/gas etc = £250
Cars x 2 (if I have too can manage 1 car) = £500
Phones/gym (gym not nes.) = £80
Food = £280
Misc. (clothes, shamp, baby stuff etc.) = £100
Savings = £50
Child support for 1 child in previous rel. (4 more years) = £400
Sending money home (parents/sister in partners home country in Africa - not negotiable) = about £200 sometimes more/less
Social / going out = £280

I grew up pretty poor and while I’m okay with not being rich I hate the thought of barely scrapping by each month and not being able to afford even going out for dinner. The biggest problem is my partners culture ! He came as a migrant and has to help his parents + sisters/brothers who live in a poor village in Africa and also visits them for 1 - 2 months a year. Makes things very hard financially.

But I love him obviously and don’t expect him to leave his family to possibly die as they’d have no income but is having a child going to be too difficult? Everyone poor and rich seem to manage I just wonder how !

What’d you guys think 🤔?

Wliding - jeez you seem angry about something. It was relevant as someone didn’t believe that my family could help me so I explained my brother can as he’s the only one with enough money.

Sort myself out? Okay...
yeah I already said I will go to the bank but right to buy has been policy for literally years so I’m pretty sure we can buy our property for VERY cheap.

And why am I not ina position to have a baby ? You sound like I somehow personally insulted you... I think it’s the Scotland / England thing youre mad because you thought we didn’t have right to buy and now you realise we do you’re angry ? Idk anyway thanks I guess

It’s a pretty big mistake to make when it dramatically changes what your entire post was based on.....

If giants family are in such a desperate situation then wouldn’t it be better if him to not visit them yearly, but instead send over what he would have spent on plane travel? He could probably help them to set up these own business with that money.

Sonly - that’s your opinion, I don’t agree. I think your post reads like racist rubbish but oh well.

Wow, excuse my typos

Wlidly - I can’t do anything about it now can I ? I’ve said 5 times now I live in England why is this such a big deal ? Everyone makes a mistake hardly important is it now I’ve saud I moved to England

@sonlypuppyfat

but what's sending £200 abroad got to do with entitlement? You could say the same about anything: "why should they get benefits if they can afford a foreign holiday", "why should they get benefits if they smoke/drink" etc etc. But that isn't how benefits work.

Your basing your post on hear say and general ramblings about the right to buy

If your serious about purchasing a property you would know exactly what the policy is in your area, you would have done some research - spoken to the council for example, got some paperwork/information to look over.
Your just blindly going “oh yeah, it’s cool, you can just buy the house no bother, no need for a deposit, it’s easy!” When actually, it’s not!

Fission - yeah I said he should go once every 2 years but he says his mother will go crazy and cry if she doesn’t see her son for 2 years which I can understand and unfortunately there is no business only war :(

Wliding - okay that’s your opinion, I said I have right to buy which the council told us. I’ve done research but need to do more but I know for a fact we can buy at 50% discount so what you said is..,well crap. Anyway thanks for your help, bye.

You know - some people just love to dictate to others how to spend benefits, the daily mail type best to be ignored :)

Why can’t they Skype or talk on the phone? There must be some business, life still goes on in those parts.

Yep definitely mature!!

50% of 60k isn't 20 grand

Fission - I know there’s Skype but that wouldn’t be enough for me or my mother so I can’t really tell him not to see his parents once a year. He used to go for 3 months but reduced it to 1 month.

I don’t know, unless they join the terrisort groups ! His dad has a job selling fruit but it’s not enough to support him/ his wife and family. Honestly all ‘foreigners’ send money home it would be a huge shame in his commiuntiy to stop helping them, he would be disowned as it’s seen as very selfish.

Charity - still no reason why I’m immature? Yeah but I’m the immature one sure

Zena - I know like I said it rough estimate but the flat next door which is a 2 bed sold for £60 and ours is a 1 bed so it’ll actually probably be less then £50k full price then we get 50% discount =. £20k. The council told us this but we just need it valued to get it excate

Wliding - just grow up and leave already, don’t take your bitterness out online.

You sound like a daft kid OP

How old are you?

And how old is your partner? I’m willing to bet he’s a fair bit older than you.....

And we will buy it for sure ! You sound jealous.

I'd love to know what I've said that's racist!

Haha!!!!!

What would I have to be bitter about?!

A daft kid making up rubbish online who can’t even keep her story straight?!

I own my own home you muppet

Wliding - he’s 5 years older didn’t you read my op ? You sound like a child this will be my last post to you, you obviously have your own issues to sort out before giving ‘advice’ to others. Thanks and bye again.