Thanks for all the advice.
We both work full time. If we had another baby, childcare wouldnt be much of an issue as my mum is retiring and said she will have the baby, if i had another. I would still have to pay, but not an expensive amount. The car payments end in November giving us an extra £300 a month which i was going to use on the CC if we were to use them on IVF. If i got pregnant, it would prolong the CC payments for however long i was on maternity.
I need to add that as we would be putting the IVF treatment on a CC, this would take our debt to 24K. 24K!!!!
The only option with this is too max out on of the cards, try and keep afloat until end of May then go on DMP with running the risk that the one we have just maxed out with get the arse and whack on the interest.
It all just sounds like a no goer.
Hubby has just finished work so i spoke to him. He is completely against and refuses to sell the car. Reasons are because its still on HP, if we buy an old car for less than £1000, we would need to spend money on it, initially and for the upkeep. The car we have is only a astra so we wouldnt get huge amounts, perhaps 3K. Cant go down to 1 car. So i get his reasons.
I told him we had to sell the drone and camera. Im so mad that all im getting is resistance. Ive told him its not negotiable.
He couldnt argue with my points that DS needed a bed which could be paid for by a good camera i rarely use and a drone he only uses ones a month, if that!
As for the bed, many of you probably think im being over dramtic, but the way i see it, if i cant afford the bed my son wants, how can i afford another child.
It is looking like an IVA isnt the best option. Either a DMP or bankruptcy. The lady at CAB said we earn too much to go bankrupt. Hubby earns 32, i earn 24. But after googling it alot, even on the CAB website, it doesnt mention about earning too much.
I finally got to sleep at 1am knowing where we were going with this, and i woke at 6, back to being confused.