How are we going to manage?

Magentasue

Have to disagree about a water meter - I'm sure they're more expensive for families with four children.

barbie_babe

hoilday company might let you change hoilday.we did this one year we had payed a bit more than half off, then we lost our main job . we were due to go in july this all happened dec seven months before.we asked hoilday company what we could do they were more than happy to change hoilday for us so we just used money we had allready payed.we ended up going to same park in sept and they gave us money back.then we used money they gave back for food .all we had to do was save a bit to spend .

tattooed_lady

Magentasue wrote:

Have to disagree about a water meter - I'm sure they're more expensive for families with four children.

Totally agree, we have 3 children and when I worked it out we were £££'s better off without the meter!! Infact, it scared me to think what would happen if we did have one!

exessexmum

daveboy wrote:

4 kids.

£550 mortgage.

I'll buy a house and have a child when I can afford to pay for them.

If that means never, then it means never.

I take home half what you have a month, and for some reason I have money left over sometimes when next pay day comes round.

Money saving sometimes takes the form of not having what you can't afford.

I'd love kids but know I might never financially be able to have them, so forgive me, but for something like this, I don't feel sorry.

To be relying on benefits with an income coming in too is a situation I'm lost for words on. It's the reason I believe child benefit needs changing, so the child benefits directly instead of it disappearing into thin air.

Gee, thanks for your support Daveboy. Not. I am sure you have plenty of money left at the end of the month if you are childfree and renting. But then, that's your choice isn't it? Maybe I should bung the kids in care until we have our debts paid off, would that suit you? Of all the up himself, sefl righteous posts, yours takes the biscuit. Thank God you don't have kids!

Mumstheword

Daveboy, do you have any constructive advice for exessexmum? You've been around these forums for a while now, She is asking for advice on how to move forward rather than sympathy or criticism for getting into difficulty in the first place.

I shall expect your rude pm shortly.

Welcome to the boards exessexmum. Stick around, and plenty of people will offer you support and advice, as you have seen already!

Mumxx

James240

exessexmum wrote:

Gee, thanks for your support Daveboy. Not. I am sure you have plenty of money left at the end of the month if you are childfree and renting. But then, that's your choice isn't it? Maybe I should bung the kids in care until we have our debts paid off, would that suit you? Of all the up himself, sefl righteous posts, yours takes the biscuit. Thank God you don't have kids!

Exessexmum please ignore Daveboy his posts are 100% self righteous and generally never a help to hte person who has posted a problem.

Totally agree with mumstheword stick around and there are some great peopleon this board who are fantastic and will be able to help u move forward with this problem x

Oh and Daveboy ur more than welcome to send rude PM's to me if u wish sa i know were ill be forwarding them :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

FrankieM

essexmum...please don't be disheartened or put off by other peoples comments..
Everyone is entitled to their opinion so rise above it... :rolleyes:

People's advice is purely people's advice. You are the one who ultimately has to live with the choices you make, so look at where you think 'you' can makes changes and what 'you' can live with.
There has been lots of advice so far. Don't dimiss any of it out of hand but look it over, think it through and talk to your hubby cause its 'your' family that has to live with what you decide.

Spendless

Hi exessexmum

Re; your child benefit-its paid 4 weekly not monthly (eg 13 times a year not 12) so I make that an extra £159 you have a year-not a great deal but each penny counts.
Also tax credits-have you informed them about your new baby as you get an additional £547.50 for the 1st year of babies life (its called baby element of tax credits). I realise you're not receiving the tax credits at minute but you could get this amount knocked off amount you've been overpaid.
30% compulsary pension-have you asked on the pension boards about this?Someone on there might be able to help. I am actually under the impression that the income you give to tax credits is after you've paid your pension 1st-but someone better than me could explain this.
Could you work on a week-end/do Avon/e-bay/car-boot sale-to raise some extra cash.
Trips out with the kids-how old are the others? Visit the places where the age they start charging is quite high (I've found places that don't charge until kids are 5 for example). If you live in country make most of nature rambles.
Definately take a look at old style board for help on reducing your shopping bill.

Good Luck

Bossyboots

I agree Spendless I too thought it was your income after deduction of pension payments that counted.

exessexmum

Spendless and Bossyboots, I could kiss you both!!! Have just checked on the tax credit website and it looks as if you might be right and we can deduct DH's pension payments from his income.....currently his pension payments are over £2500 p.a. (Civil Service pension) so that might mean we are entitled to at least a bit of tax credit.....will ring them on Monday and find out. If I wasn't so skint, I'd buy you a :beer: :rotfl: