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Student, pregnant, sinking and in need of help :( *update*
Comments
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MoneyMakesMoney wrote: »Wow, just sat and read every post in the thread, very good read indeed.
You look to be on the right track, I don't really need to wish you good luck because you don't need it, just keep on doing what you are doing and luck will not be involved, dedication and common sense is all is needed and that is what you now have.
Well done girl.
Thank you! I really appreciate the kind words :-)New single Mum & student Nurse working for our future.
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Temp. accom. arrears £719.32/[STRIKE]£1145.3[/STRIKE] ✖ Lloyds/Capquest arrears £255.51/[STRIKE]£376.51[/STRIKE] ✖ Savings acc £70/£1000 ✔ Savings jar £47.92/£50 ✔ Nectar pts 10,297/10,0000 -
NHS_worker_bee wrote: »I've just read your thread, your story is inspirational and you are obviously working very hard for a better future in challenging circumstances. Wishing you the best of luck with everything and I hope you can enjoy your new baby and also manage to complete your nursing course at some point so you can both have an easier future free of these money worries, you deserve it. Good luck (from a fellow nhs worker)
Thank you! I am trying. I've been trying for a damn long time but I have even more motivation now.
You a nurse too?New single Mum & student Nurse working for our future.
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Temp. accom. arrears £719.32/[STRIKE]£1145.3[/STRIKE] ✖ Lloyds/Capquest arrears £255.51/[STRIKE]£376.51[/STRIKE] ✖ Savings acc £70/£1000 ✔ Savings jar £47.92/£50 ✔ Nectar pts 10,297/10,0000 -
All I'm saying is in ABetterLife's position - struggling already without tons of free cash, possibly tired at the end of the day, she could make a mistake (or not notice a bookie's mistake) and end up completely screwed. If she goes into it with that knowledge (and reads the mistakes threads) then that's fine, but know the consequences.
And I agree with you. I'm terrible at Maths, honestly, I am. I could very easily make or not notice a mistake.New single Mum & student Nurse working for our future.
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Temp. accom. arrears £719.32/[STRIKE]£1145.3[/STRIKE] ✖ Lloyds/Capquest arrears £255.51/[STRIKE]£376.51[/STRIKE] ✖ Savings acc £70/£1000 ✔ Savings jar £47.92/£50 ✔ Nectar pts 10,297/10,0000 -
What sort of an ISA (cash / S&S ?). It seems really weird that your bank couldn't make any instant decision about it because it is savings/investments, and no reputable bank needs to "come back to you" or "make a decision" over it. YOU decide whether you have an ISA, nobody else does. And most certainly not a bank!
Just be careful that they don't get one of their so-called "advisors" on to you- they are just sales people who are hellbent on selling you whatever their targets are! Of course, the bank and their advisors will strenuously that this is so, but they are just lieing.
You can open any sort of ISA online, you don't need any bank to help you with it. But more importantly, from what I have read from you so far, I don't actually understand why you want an ISA. Is that an ISA for yourself, if so, why do you want it? What do you expect the benefits will be for you? What alternatives have you investigated? Why do you think an ISA is your best option? If it's an ISA for your baby (a JISA) I can see some rationale, but please can you clarify what it is you have in mind & why.
Whether an ISA for yourself or a JISA for your daughter - you do not need any bank to make a decision over it. And there is no rush to take out an ISA, you will not lose out if you first go and have your baby. Come back in a few weeks time to talk about this ISA business. In the meantime, I hope your daughter will be kind to you when she wiggles her way into the world0 -
ABetterLife wrote: »Thank you! I am trying. I've been trying for a damn long time but I have even more motivation now.
You a nurse too?
No, I'm a paramedicall the best with the due date, I hope your maternity allowance gets sorted so you can focus on enjoying time with your new arrival. How many more years of your nursing course have you got left to complete before you can qualify?
Total debt March 2014: £11,194. Now £4,198.
0% CC1: [STRIKE]£2,240[/STRIKE] £0. 0% CC2: [STRIKE]£1,934[/STRIKE] £0.
0% CC3: £0 0% CC4: £4,198.
12.9% Loan: [STRIKE]£3,000[/STRIKE] £0
14.9% HP: [STRIKE]£1,103[/STRIKE] £00 -
Been reading, admiring & finally piping up.
In so far as you allow yourself to, get your feet up! As rest, let alone sleep, is going to be a cherished commodity. I hope your family do decide to get involved - grandchildren aren't that easy to come by that they can afford to ignore your daughter & anyway, I'd say you were a daughter to be proud of!
When nesting kicks in, you'll have a wild urge to dispossess yourself of things and/or clean things and/or wobble on chairs hanging curtains. On the whole, I recommend cleaning. In part as being on hands & knees aches less & in part because you will know your flat is as scrubbed clean as you can get it & thus can invite folk in with your head up.
Please, try to eat properly. I only *really* learned to cook when I had my children! Anything the young lady doesn't want (in another few months) by way of well mashed banana, you should eat. Potassium, or something as virtuous.
Is your dad near enough to get you to hospital when you want him? Carseat for getting back? All faff and likely sorted, but we'd like to know you can get to the house of painkillers & back with your daughter when she's taken to breathing air.
Best of luck & hope you have a blissfully uncomplicated easily forgotten delivery and a stunning happy healthy baby girl!0 -
Just wanted to let you guys know I has my little girl 6 days early on the 2nd April
she was 6lbs 0z, 17" long and was born at 02.45 after a gruelling 21 hour long labour!
She's been an absolute dream, learnt breastfeeding already and rarely cries (we're still working on not keeping Mummy up all night though lol). I'm recovering well physically. I done some tasks and that with her yesterday and was out for 8 hours! Emotionally, I'm still recovering. I feel a tad bit of the baby blues and sort of disorientated/detached still. Sometimes, I feel so happy I could burst though. Like I said, still adjusting to this big change.
Will be back with pictures and to reply to previous posts xNew single Mum & student Nurse working for our future.
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Temp. accom. arrears £719.32/[STRIKE]£1145.3[/STRIKE] ✖ Lloyds/Capquest arrears £255.51/[STRIKE]£376.51[/STRIKE] ✖ Savings acc £70/£1000 ✔ Savings jar £47.92/£50 ✔ Nectar pts 10,297/10,0000 -
Congratulations on your new arrival. Best Wishes for the futureDFW'er - Lightbulb moment : 31st July 2009 - £18,499
28th October 2019 - £13,505 - 27% paid off.
Demolishing my House of Debt.. one brick at a time!!
Thinking of spending???..YNAB says "NO!!!!"0 -
Congratulations!
I have been following your story but not commented as you seem to have things sorted. Well done on tackling your problems and I hope you and your daughter flourish.0 -
Congratulations!0
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