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Group hug desparately needed!
bailey59
Posts: 207 Forumite
Hi guys,
I've not posted since just before Christmas as it all seems so depressing I am trying to block everything out but today I feel so low I just needed to come on here and depress you all too.
I finally started my DMP on the 1st Jan this year and thought things would only get better but no, the saying kick you when you are down springs to mind. My hubby has lost over £800 in wages over the last 8 weeks due to short time at work so although I managed to pay the 1st dd for my DMP the second one due now has been reduced dramatically and the next one wont be much better. I know its genuine and that we cant help it but now I feel desparate. I guess the fact that we have no money is now dawning on me and that for the next 10 years its going to be the same.
My job is about to go belly up. The partners are in a meeting now discussing the future of the company. I am 99% sure I will be made redundant today and if not today definately in the very near future. So I am now panicking about that.
Its not the fact that I am about to lose my job though and that we have no money its the fact that we were trying for a baby. If I get made redundant there is no chance of me getting any maternity pay if I got pregnant, if I get another job I will have to be there for ages before I would be entitled. Without maternity pay we cant afford a baby, well we cant afford one now but with no money it would be impossible. Any benefits I would receive just wouldnt be enough. So now we cant try anymore, I cant see another way. And because I'm 38 I feel like my chance of having a baby is almost over.
Hindsight is a wonderful thing. I wish I had never got into debt but I did and am paying the price for it now.
So this is why I need a hug right now and thought this place would be the best place to get one. I am trying to pick myself up and be positive but sometimes its so hard.
I've not posted since just before Christmas as it all seems so depressing I am trying to block everything out but today I feel so low I just needed to come on here and depress you all too.
I finally started my DMP on the 1st Jan this year and thought things would only get better but no, the saying kick you when you are down springs to mind. My hubby has lost over £800 in wages over the last 8 weeks due to short time at work so although I managed to pay the 1st dd for my DMP the second one due now has been reduced dramatically and the next one wont be much better. I know its genuine and that we cant help it but now I feel desparate. I guess the fact that we have no money is now dawning on me and that for the next 10 years its going to be the same.
My job is about to go belly up. The partners are in a meeting now discussing the future of the company. I am 99% sure I will be made redundant today and if not today definately in the very near future. So I am now panicking about that.
Its not the fact that I am about to lose my job though and that we have no money its the fact that we were trying for a baby. If I get made redundant there is no chance of me getting any maternity pay if I got pregnant, if I get another job I will have to be there for ages before I would be entitled. Without maternity pay we cant afford a baby, well we cant afford one now but with no money it would be impossible. Any benefits I would receive just wouldnt be enough. So now we cant try anymore, I cant see another way. And because I'm 38 I feel like my chance of having a baby is almost over.
Hindsight is a wonderful thing. I wish I had never got into debt but I did and am paying the price for it now.
So this is why I need a hug right now and thought this place would be the best place to get one. I am trying to pick myself up and be positive but sometimes its so hard.
:idea: LBM 23-10-2009 - Total unsecured debt £39,638.65 _pale_
DMP starts 1-1-10 - DFD given August 2020 - but wanting to be DF by June 2016 _party_
DFW Long hauler Supporter #188 :wave:
DMP starts 1-1-10 - DFD given August 2020 - but wanting to be DF by June 2016 _party_
DFW Long hauler Supporter #188 :wave:
0
Comments
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Didn't want to read and run (((Hugs)))DMP Support Thread Number 1860
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Oh Bailey I have no advice I'm afraid but wanted to send you an insufficient <<<<<<<HUG>>>>>>>>>>>>
Fingers crossed you don't get bad news today
xBon App's Scraps!
MFb40 # 130 -
I haven't been in your situation so can't offer any advice, but I know others will be along soon who can offer better support than me... you have definitely come to the right place, lots of dodgy hugs coming your way :grouphug: :grouphug: hope you feel more positive soon xx0
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Big hugs ((((()))))
Sorry everything is looking so bad for you.
99% sure of being made redundant is a very highj percentage!!
Babies dont have to be expensive i have had 2. I gave up work when i had my 1st and we have noticed NO change in finances at all!
We gave up a lot of our luxeries to have that extra each month.
Things will come right for you, at the moment your on the rollercoaster which isnt nice.
Hoping you dont get bad news from work.....will keep everything crossed xDebtFree FEB 2010!Slight blip in 2013 - Debtfree Aug 2014 :j
Savings £132/£1000.0 -
Bailey,
Don't give up hope in the longer term. Things aren't good at the moment but they will start to pick up soon. Focus on hubby getting back on to full time hours and you getting back into work. If you can do this I would focus on what you want from life. I think you have to work for a year or two before you are entitled to maternity pay (someone will correct me on that) so calm down, focus on getting those jobs sorted and maybe with a year under your belt look at getting pregnant. It won't be easy and you may have to go back to work sooner than you want to but you only get one life.
I am fully prepared to be shot down by others.
B
p.s. Last year my friend had a boy at the age of 41Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
Diary 'Butti's journey : A matter of loaf or death'.
Diary 2 'The whimsical tale of the Waterbed of Debt' 48% off mortgage
'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB0 -
(((Hugs))) hun. I really things start going better for you. On the baby front - there never a 'good' time to have a baby and whenever they come along you will manage because us Mums just do. Children need love and attention which I'm glad to say are still free and I'm sure you'll give by the bucketload. Realy hope you don't getbad news today.DFW Nerd #1219 - Proud to be dealing with my debts!...part 2
LBM August 2009 £25,019 :eek: [STRIKE]April 2011 £21,765[/STRIKE]
November 2012 £27,842 :mad: Took my eye off the ball & stopped reading MSE
Debtfree target now July 2018 :eek: Poo!0 -
Sending you a big warm hug, sounds like things are really tough at the moment.0
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mney is one of the worst things in life hugs hunxxxxxxx as for the baby they really dont cost that much not with ebay and freecycle + friends and family xxxx hope all sorts itself for you0
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(((((((((((( Hug ))))))))))))))))
If you get made redundant, will you get some sort of financial package?
If not get straight on the phone to JCP to claim what you're entitled to. I work in welfare-to-work industry so i have frequent dealings with JCP and the benefits system. I know its not ideal but its got to be done.
Hope that helps a little.February Grocery Challenge- £140/£200 Spent.
Weekly Spend Challenge- £0/£5 Spent.
Crazy Clothes Challenge- £0/£100 Spent
Total Debt: £13000. Paid off: £500.0 -
huggy-hug-hug x0
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