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Pregnancy

Talk about every stage of pregnancy, from early symptoms to preparing for birth.

Worried about how to survive off smp?

17 replies

Sarahmarie2505 · 20/05/2012 06:29

I am getting really tired now I work 2 jobs one as a Carr assistant one as a cleaner I am thinking of giving up now at 34 weeks which gives me 4 left ! Thing is I get 6 weeks full pay then smp but I dnt think smp will be enuff to cover all the bills that come out of my account :( so may have to go back after the 6 weeks :( anyone else in similar situation?

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PotteringAlong · 20/05/2012 06:34

Are there any bills you can reduce / temporarily stop / re-negotiate new contracts for? Can you get rid of sky / mobile phones? My council will do a deal on council tax (but you will obviously have to pay more later on iyswim)?

SMP is tough and if you have to go back you will cope, but for me I would've done anything to avoid it.

allgoodindahood · 20/05/2012 06:53

That sounds tough. You've done so well to get this far working two v physical jobs. Have you checked whether you would be entitled to any benefits or financial assistance whilst on SMP?

pumpkinsweetie · 20/05/2012 07:35

You may be entitled to housing benefit, council tax benefit especially if you are a single parent, get rid of sky and replace it with digi box, get a gas/elec meter put in, cut down any contracts you have to a bare minium and tax creds might be able to be increased

goingmadtrying · 20/05/2012 08:00

you should be entitled to working tax credits especially if on a low income, sorry im not sure of your circumstances fully buy i would suspect you would be entitled to some of what is mentioned above good luck x

RockChick1984 · 20/05/2012 08:05

Are you claiming SMP from both employers? As you should, so long as you meet the criteria. It's tough to survive on just SMP, I know when I was pregnant I spent the whole pregnancy skint so I could save as much as possible so I could take longer off work, once I got rid of all unnecessary bills I've managed to give up work and am now a SAHM despite previously spending all of 2 wages pre baby, so it can be done! Good luck.

PotteringAlong · 20/05/2012 08:45

Remember that you'll get child benefit too after the baby's born - you should factor that into your calculations.

MsElisaDay · 20/05/2012 09:22

I'm in the same boat. I'm taking two weeks' paid holiday immediately before my due date, and my mat leave then starts on my due date itself.
I get paid at 90 per cent for six weeks- which is fine- but then SMP, which I simply can't survive on. It doesn't even cover the mortgage, let alone bills.
So i'll be going back to work virtually straight after that six weeks, depending on how much I manage to save up before then.
It's impossible to save, though, when you're already stretched to the limit each month. So, sadly, i'll be back at work when the little one is about two months old- and that's if they arrive on time.

Sarahmarie2505 · 20/05/2012 09:27

Thank you for your replies :D I don't think we will get tax credit my partner works 50 hours a week but isn't helpful when it comes to my bills! He pays council tax electric his phone sky and half rent I pay half rent, gas a car loan (he doesn't drive) tv licence internet my phone plus petrol ! We were told in jan we were over the 26000 threshold for tax credits so they will go on last years earnings I presume ? I'm thinking I will continue my cleaning job and claim for smp on my care job ? I have been told by inland revenue I can do this so I'm hoping I can stretch far enuff to have at least 6 months off but not sure guess I have to see how I go? This is also my third dc and finding it really hard now I'm so tired some nights I dnt get home till 9pm then I'm up again at 7 am getting kids to school etc it's hard but it keeping me fit I guess ?

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Sarahmarie2505 · 20/05/2012 09:31

Hey ELISA that I tough! What about nursey fees etc? Or do u have someone to have baby ? Will a nursery take a baby at 2months? I know some lenders can give you a mortgage break? It's really hard I've tried to save but then went overdrawn so had to put it all back in :( it goes to show how hard it is now and how reliant we have become on having a 2nd wage!

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WantAnOrange · 20/05/2012 10:01

Sarahmarie I am a childminder and take children from birth. I think most nurseries and childminders do.

I would definately contact Tax credits again. I thought the threshold was higher than that, but I may be wrong. Look into housing benefit and council tax benefit too. Child benefit is about £20 a week (for first child).

I would ditch Sky tbh. If you are not working, do you need a car? How much do you rely on your car? Can you save on petrol by walking more? You may find you don't need it much while on maternity leave anyway. Of course this depends on how close you are to local shops/baby groups/ Doctors surgery etc....

There have been various budget meal plans passed around on mumsnet that may be helpful.

You are not alone. DH has just finished Uni so doesn't have a job. I am self employed so will only get maternity allowence. Baby due in October! So basically, stuffed!

Sarahmarie2505 · 20/05/2012 11:25

Hi wantanorange, yes will wall a lot as I'm a home carer I drive from house to house so costs a lot in petrol so will save a lot as will walk to the school run etc! I will enquire about housing benefit but not very promising dnt think we will get it to b honest !

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lagoonhaze · 20/05/2012 11:32

If you work in any job you lose any smp you are claiming.
We are on one income- have been got 16mths. No smp or ma for me. Luckily we get tax credits and housing benefits but it's still tough.

OTTMummA · 20/05/2012 11:59

Op you may be entitled to claim smp from both jobs if you qualify. Please have a look on the gov.co.uk website, there was a lady on here not long ago who had 2 part time jobs and got smp from both.

Maiziemonkey · 20/05/2012 12:07

Worth contacting tax credit office again and tell them details of your situation- time spent on smp counts for you in the next tax year and can be worked out predictively, worth a try

Spiritedwolf · 20/05/2012 12:08

Is your partner's income spoken for each month? I only ask because you say that you each pay half the rent and I'm wondering whether he could pay the full rent.

I realise that some couples prefer to keep completely seperate finances and contribute equally to the household bills. However, if one person's income is more than the other, particuarly in a situation where one parent is looking after children, it might make more sense to change how you calculate how much each person should contribute financially (i.e. not 50:50).

You are a family unit with a newborn on the way, not two students sharing a flat. Its perfectly fine for your partner to pay 75-100% of the rent at a time where your income is reduced, your contribution to the household will be in caring for your newborn.

I realise that its difficult to manage on a low income, let alone smp. However, will you really be any better off if you are back at work and paying out large sums for childcare? Or do you have family who will provide childcare?

If DP's hours/income mean that you cannot get benefits/tax credits then it suggests that they ought to be contributing more to the joint finances.

Apologies if your partner's income is already swallowed up by joint bills but there are women in situations where they are at a financial disadvantage to their partner either through pride (which is misplaced if she is contributing more to childcare or other aspects of the relationship) or through their partner being controlling.

Do get advice about working tax credits and child tax credits, as the number of children you have will affect what you are entitled to - so the new baby will change the limit to what you can earn. e.g. my DH and I aren't eligible for working tax credits (just), but we are eligible for quite a bit of child tax credits once our baby is born.

Sarahmarie2505 · 20/05/2012 15:45

Hello thanks everyone for your ideas and tips ! I will look on the calculator thing at some point and see if we are entitled to any extra help:/ my OH is only a bin man and I'm
Only a carer/ cleaner so we not on great money but we are able to live reasonably well ! He may take over my half of rent if it comes too dire I will see how we go! Good luck everyone who are alps in these tricky situations!

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Sarahmarie2505 · 20/05/2012 15:47

Also spiritedwolf are you currently working? As if u are maybe I will have hope them when baby is here I may start getting working tax credits again?

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