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Original poster

Will we always be broke ????

10 replies

nutcracker · 15/09/2004 12:24

I can't see how we are ever going to improve our financial situation.

At the mo dp works full time and i am a sahm. We hardley ever eat out, haven't been on holiday in the past 2 yrs, can't afford a new washing machine, shed for the garden etc etc...

I juts can't see how it will ever be different. Dp won't ever get a better job as quite frankly he can't be arsed and our bills just seem to be increasing all the time.

Don't get me wrong getting this house was a dream come true but we are really struggling to pay the extra 100 quid a mth rent and 40 quid council tax.

It's what the 15th today so another 15 days until dp gets paid and we are broke.

Does it ever get better

OP posts:

NomDePlume · 15/09/2004 12:33

Nutty, love. Most 'normal' families find it tough financially when their kids are little. There are lots of families where there is one low-skilled earner and one at home parent, you definitely aren't alone in that.

But things will improve, as the kiddies get older you can either return to work or go and further your education to get skills to get a better paid job where you also have job satisfaction. I know you've been thinking about going to college and doing an access to nursing/midwifery course (I'm thinking the same), if you do this and follow it up with your degree/diploma then you will be in a position to make a better life for your family. I know it'll be tough in the years of study, but YOU CAN DO IT. You will probably get financial help for childcare & possibly bursaries when you do your degree, so it shouldn't be impossible financially. It'll also help to boost your flagging self-confidence.

Bibiboo · 15/09/2004 14:04

Nutcracker, I totally sympathise. Me and DH have this discussion regularly, and our db isn't even here yet! We both work full time, but have found the more we earn the more our outgoings tend to be. Like you, we only go out for drinks/meals very occasionally, don't treat ourselves to anything extravagant like holidays abroad, neither of us smokes or has expensive hobbies, so where does it all go?! When we write it down, it can all be accounted for. There's no chance of a promotion for me or DH in the next year or so and I am at a loss for how to spend less - especially with nappies to buy! Any ideas?

Original poster

nutcracker · 15/09/2004 14:13

No ideas here sorry Bibiboo.

I know i shouldn't complain as yes I could be much worse off i know, but it just gets me down so much.
Mind you everything does just lately, i'm turning into a right old moaner.

Really riles me though that the bloke next door doesn't work at all (well not that we know of) and yet he has just brought a new 6000 car and also has 2 others. He has also just got back from family hols to spain for a fortnight.

Like i said i'm just moaning, i should shut up i think.

OP posts:

eefs · 15/09/2004 14:39

Poor pet - you sound like I feel sometimes. (also have no money left due to finally paying off overdraft - no more credit for me)
you will be better off- your wages will increase (with inflation) and your mortgage will stay the same. Your kids will start school and you will be able to work part-time if you wish.
Just one thing - don't start using credit to make ends meet - it's a slippery slope into debt from there. Check out the motley fool website - there's a living below your means discussion there that's very useful.
Have you thought about working from home (Avon, Kleeneze, writing etc)?

It's harder to be poor and yearning for things that you can't afford then it is to be poor but happy in the knowledge that you have enough and will be better off one day.

eefs · 15/09/2004 14:45

oh and don't compare yourselve to other people, you'd be surprised at the amount of debt that people will take on themselves willingly.

vict17 · 15/09/2004 14:47

First rule: never compare yourself with the neighbours
Aren't you thinking of having another baby too?! You'll have to get used to being skint for a wee while I'm afriad

eefs · 15/09/2004 14:48

sorry (and sorry for multiple posts), didn't mean to sound so patronising - just trying to say that you are probably a lot better off than your neighbour. Some people will get into serious debts just to keep up appearences.

muddaofsuburbia · 15/09/2004 14:48

fio2 · 15/09/2004 14:49

what is wrong with your washing machine nutty?

sorry just trying to be practical and maybe i know someone who can fix it?

as for the money situation, you are not alone

Original poster

nutcracker · 15/09/2004 19:46

Beleive me my neighbour definatly dosen't have nay debt, he is rolling in it. Apparently after speaking to a friend today it seems that he does car boots every weekend and most of the stuff is knock off

Anyway, I know things should get better it's just hard to see a light at the end of the tunnel at the mo. We rent our house and so the rent will only increase and we will always be paying it.
Neither of us have pensions or any savings and it just worries me that one day we will really come unstuck.

Have spoken to my dad about the washing macjine and he reckons he knows whats wrong. The stupid thing does work perfectly BUT only when the door is OPEN. Apparently it is the door catch or seomthing. My dad said he fixed the same thing on it before my neighbours gave it to me.
Anyway he might be looking at it on friday for me.
Have mamnged to get it to spin by pushing the button to open the door whilst pushing the door shut .

I don't want to be rich, I just hate being poor.

OP posts:

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