Help please

mildred1978

CH27 wrote: »

I want! I want!

What about what your partner wants?
What about what is best for you both?

If they want children in a couple of years then what the OP is doing probably is a good idea as it will give her the ability to earn whilst at home with their children.

How many people have the baby first and then decide to become a childminder?

CH27

mildred1978 wrote: »

If they want children in a couple of years then what the OP is doing probably is a good idea as it will give her the ability to earn whilst at home with their children.

How many people have the baby first and then decide to become a childminder?

Who knows if he wants chldren?
It sounds to me that the OP has talked to him about her dream list of what she wants & he's gone yeah yeah.

I think they need to sit down & trash out what is best for both of them.

mildred1978

con1888 wrote: »

Have spoken properly about mortgage and having kids though and yes he definately wants/wanted kids in around 2 years time ( or start trying then at least ) and wanted my name on mortgage after ' a few year' so presumably when I had cleared my name in order to get on the morgtage.

CH27. ^^this.

mildred1978

Out of interest, OP, how old are you both?

lauroar

Arghh! OP this thread has been v.frustrating to read.

If you knew you wanted to do this course, why haven't you been putting money aside whilst you've been working full time to help towards the drop of income?

If you have 1K of debt to pay off why would it be such a bad idea to defer for a year so you free up £200 p/m?? Have you even asked work/uni if this would be possible, even if some of the fees have been paid? Holding back for 12 months wouldn't mean you're not going/don't want to 'better yourself' or your prospects, it would just put you in an overall better financial situation to do so. You sound quite young...12 months deferral would still leave you with how many years to work as a childminder??

It doesn't sounds like you and your partner discussed this fully before you applied for the course and drop in hours - all you can say is you don't want to move back with your parents and you want to do the course immediately. Well I'm sorry but everyone has to make sacrifices in life.

For the record my boyfriend is also going to be dropping down to 4 days a week next year to study (provided he gets a place on the course) and we have already discussed and decided on what exactly that will mean for our finances and have planned and budgeted accordingly. You can't just jump into something feet first without thinking about or understanding the implications for your partner.

peachyprice

con1888 wrote: »

3 years and yes we had and there were no problems, now it seems there are.

To those who are saying I just need to cut down on nights out, a page or so back I put down my outgoings. It's not about cutting down nights out, the only thing I could cut is gym membership but even that leaves me with less than £100 a month after my outgoing when I am on my lessened earnings.

Here they are
£250 towards him for housey things ( ges/lec/tv/CT)
£48 phone bill - cant downgrade for another 12 months
£100 driving lessons
£200 loan repayments
£30 gym membership
£5 pet insurance
£90 travel to work

£723...


and that's without paying half of the grocery shopping which I also pay.

So how are you going to pay for your food?

It seems to me like you've jumped the gun by cutting your hours and applying for this course. You can't afford it right now, you should have waited until your debts were paid and you'd passed your driving test. This is an ill thought out plan.

Even without cutting your hours it was always going to be tight wasn't it. I bet the amount you've lost by dropping just 1 day a week isn't a huge amount.

Elle7

con1888 wrote: »

I want to do the course though, I really want to keep my options open and perhaps in the future do an open uni degree course whilst working and to do the degree I would need an HNC.

My days drop at work starts in Feb and it will be another year before I can apply to go back full time. A possibility is a part time evening job but my college course will take up two evenings and I do youth work another evening. I would be willing to do weekend bar work but obvously need to fit in study time also so not sure if it would be a wise idea.

I'd check that. I think you can do an OU course with just GCSEs, you won't need a HNC.

If it's possible for you to do this and gain experience working with your mum, you'll be on a much more steady and productive route to where you want to go, and your partner may be happier too.

I appreciate taking the course wasn't what this thread was about, but having qualified and worked in this area for quite some time, I don't want to see you do what will be considered a worthless qualification 'in the trade'.

It'll also allow you to contribute for a little longer...as someone else has worked out, you pay around 28% of the outgoings - maybe your partner thinks you just haven't lived together long enough to pay so little.

I hope I've helped a bit...:o

Seanymph

You can do an OU course with no qualifications before. And if you qualify through income ( and the brackets are high) you get total funding as long as you complete the course within six years.

con1888

mildred1978 wrote: »

Since when we're bin cleaning (??!!) and window cleaning essentials??

They aren't but they are things he wants to pay so I pay 1/2

con1888

mildred1978 wrote: »

Just another slant, but I'm reading this as though the OP would have been on the mortgage from the start, but for her poor credit. So the house was probably chosen by them both, for them both to live in, but bought in one name for the moment until her credit file is sorted.

Am I anywhere close, OP?

No we didn't pick it together , he picked and got the morg as was wanting to live alone, eventually I moved in.