Dmp and pregnancy

beckstar1975

We are on a long high DMP - and it is having the third child that pushed us into it. Much as I love him to bits there aren't half times when I am having to say NO to the kids AGAIN that I wished we had waited a while longer - and it is hard sometimes not to work out where we could be if we had not had him.

Saying that - I am a firm believer that things will all work out in the end - if you have another one I am sure you will work things out, but it might be far more scrabbling around for money and being able to do less than if you try and pay more off first.

yummymummy14

Glitterkitty1

I am too also on a DMP plan with step change they have been brill since I told them I was pregnant we worked out a budget with me and even budgeted money to buy things for the baby also let me pay a reduced payment one month due to needing some maternity clothes for work. After I had my baby boy in Feb I kept in contact with stepchange when my maternity pay reduced a new budget was wworked out I'mdue back to work next month after 6 months off i will do another budget with them as will have childcare costs. DMP plan has been good for me step change have always been supportive and gave good advice

heartbreak_star

Another vote for wait if you can.

HBS x

Teacher2

I wanted another child but realised the impact this would have on the two I had. They have had so much better a life than they would had I gone ahead and split the family income even further between us. Don't forget the dire effects of either giving up a mother's wage or of paying a child carer on the family fortunes. If your finances are not in good shape now, they will be even worse with the effects of another mouth to feed.

In addition, look at it from the children's perspective. They are not going to thank you for going without what all their peers have at school. The eldest is not going to be grateful that you gave him/her a sibling as 'compensation' for penury and looking deprived in front of his/her friends. Your first child is a blessing but that does not necessarily mean that another child will convey a similar charm over your lives.

This advice is merely materialistic. If you value other qualities in life above money and feel you can weather poverty with equanimity, go ahead.

On_my_way

I hope everything will work out ok for you. It is vital, in my opinion, to make sure that you have the finances in order to have and enjoy another child. It is a virtue that is not regarded these days but we must all take true responsibility for our actions and prepare for what we want in life.