To work or not to work??

Spendless

Nickynoo1 wrote: »

He was born in May, so i guess it'll be the september after that.

Extending term is an option i hadnt thought of. Only if they dont want earnings proof tho. would have to check that.

Yes it will be Sept following 3rd birthday. If you'd rather not pose the question to your bank/bs just yet, you could ask on the mortgage board to see if someone knows the liklihood of what they will say.

bestpud

Nickynoo1 wrote: »

Hi,

Thanks to all advise and support. It has made me really motivated me to keep going with the work and manage this situ instead of staying at home on IS. Think i'll have to treat it as a challenge for this part of my life. Dont want to lose my home, and I chose to have my baby so i must make it work.

I really like the Nursery my son goes to and he seems really settled and enjoys it there. I'm a bit loathed to change him now. The tax credits supposedly pay 80% but it never seems like that when i get the payments. And obviously if child care is cheaper so is how much they pay towards it. An option to keep in back of mind tho.

Nickynoo1

Hiya

I think you're right - it is a challenge for 'this part' of your life.

It WILL get better when your little one is older and I'm sure you'll be glad you didn't take the benefit route.

If nothing else, once he is at school, you will be in a far better position to apply for jobs which suit you than someone who has been out of the workplace for a while.

I can sense your frustration though - it seems very unfair that it doesn't pay you to help yourself!

I wouldn't move your littlie if he is happy - it means a lot to know they are ok. It's very important (and difficult sometimes) to find childcare that is right for you, and your child, and you seem to have done just that. You can always reconsider when he reaches three as that is a different stage in his life and a different setting may be better for him then.

Good luck and keep going - it will get better!

Bestpud