Husband just crashed the car. Panicking no money for new car

[Idolovechocolategimmygimmy]

I'm pregnant and due in 3 months with my second child. We have no support. We live rurally and husband commutes and just crashed. Insurance company will write off the car guaranteed and we have no money for a new car. We need 2 cars. Absolutely panicking. Feel like life is just against us and everyone manages just fine except us constantly only just getting by. Most my family live abroad and don't care about us and my husbands family live in a different UK country and never visit. We always have to go to them and even then don't feel welcome. I don't know what we are going to do now. I could cry.

If the OP has no savings, it is unlikely they can afford another £150 pm adding to their bills without some serious cutbacks elsewhere.

looks like another hard 3-4 years ahead and trying to stop DH living beyond our means which causes friction

This sounds like the crux of the problem - your DH spending money that the family cannot afford, possibly on non essentials. Have you reviewed your expenditure to see if you can up your income and reduce your essential expenses to free up money to save and spend?

Will your income drop when you have the baby and presumably go on maternity leave? Will childcare costs increase when you go back to work? Sounds like this and the car accident should be a trigger for a serious review of your budget. Have a look at:

www.moneysavingexpert.com/family/money-help/

How do you arrange your money now? Could you separate your money out into essentials, savings for annual and irregular expenses like car repairs/replacement and then split what's left for adult spending, on a 'when it's gone, it's gone' basis to prevent overspending?