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Maternity Leave Stress

29 replies

AKS93 · 02/06/2025 19:00

Is anyone else due later this year and really stressed about maternity leave and pay and how the hell you're going to make it work financially? I'm due withbour second baby at the start of December and after the 6 weeks leave at 90% salary I honestly don't know what we're going to do.

If you don't have savings for it and only get statutory from work, how are you planning to make it manageable for your family?

And please don't say 'you should have planned for this' or 'its irresponsible not to have savings for it', we weren't even sure we'd ever be able to have another baby, and certainly not without help and a lot of pre-planning, so this baby was a very happy surprise. As such we were not anticipating me taking maternity leave in the immediate future so had not financially prepared for it. Our daughter is in primary school so we don't have childcare costs currently, and my partner works full time.

Just looking for anyone that is in the same position or has any ideas we might not have thought of that could help.

TIA x

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Are your children’s vaccines up to date?
Peony73901 · 03/06/2025 12:49

AKS93 · 03/06/2025 11:03

The “only get this time once” thing is weighing heavily on my mind. Especially as the first year of our daughter’s life was a rough one for me physically and mentally, and I feel like I didn’t really get to enjoy the baby stage properly. Having spent the years since not knowing if I’d get to experience it again, I don’t want to let it fly past me this time 😣

May not be a popular stance but a 0% credit card may be the way we have to go too.

When are you due? X

I'm due today 😅 so currently on maternity leave and it's my first baby.

Good luck with whatever you decide to do!

AKS93 · 03/06/2025 13:02

Peony73901 · 03/06/2025 12:49

I'm due today 😅 so currently on maternity leave and it's my first baby.

Good luck with whatever you decide to do!

Oh wow! Hope everything goes well and you enjoy your maternity leave! 💖

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Harassedevictee · 03/06/2025 13:31

@AKS93 this may not be what you want but have you looked at what your DHs entitlement to Shared Parental Leave is? For example if he gets full pay and you get SMP only by being creative you might be able to maximise your joint income.

Some points to put in the pot for consideration, if at some point you opt for ShPL you each can get 20 SPLIT days. By working these spreads over a few weeks after SMP ends you get full pay whilst minimising tax.

Regarding annual leave I would definitely be carefully checking the policy if they can insist you only carry over 5 days when you go on mat leave part way through the leave year. For example leave year runs 1 January to 31 December, if you start mat leave on 1 February it’s not reasonable to expect you to take all your leave in the first month.

ScaryM0nster · 04/06/2025 08:18

ByQuaintAzureWasp · 03/06/2025 08:33

Incorrect. You can't do a second job and also receive SMP from another job.

The maternity action guidance disagrees.

maternityaction.org.uk/wp-content/uploads/More-than-one-job.pdf

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