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“Rock bottom became the solid foundation on which I rebuilt my life.”

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  • joeyjimbles
    joeyjimbles Posts: 2,251 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So glad to hear you making these plans. And completely agree that looking after littlest is full-time carer. I hope you find what works best for all of you.
    I have a tiny plea that you won't add ex-OH to your list of people to look after. Not my place, I know, just don't want him to take advantage of your good nature.
    And don't forget that if you have a little more (spare) time, then you could also look into some of the other online ways of making money. You seem to have such a knack for it - have to say that e-rewards, PA, Qmee et al have enabled me to pay for a lot of stuff over the last year.
    LD 12.25 £1600.00/£0700.00             Fn £274.00  LTFn £525  LLTFn £300     
    Renewal 25 £500.00/£500.00            InsH 12.25 £600/£600.00   InsP 03.26 £150/£150.00
    NPt 12.25 £150.00/£051.50               Ins/TC 02.26 £550/£470.00
    YX25 £1500/£0750                             FD £3600/£0600
    PX25 £1500/£0625                             P6m £1200/£0800  PEa £100/£060          
  • Wannabe, you are completely entitled to stay at home to ensure your little girl gets the care she needs. I'm sure your mum would see you are doing what is best for the children and yourself.
    If you do take the leap tomorrow to say you are taking tome out, please contact everyone asap so you aren't left with no money coming in again. Tax credits, housing council Tax, make a claim for carers allowance.
    When D'S was little I felt bad being at home but I know I couldn't take care of him and hold down a job, even now he's a teen, it's hard work!
    Good luck with whatever you decide, but it has to be because it's best for you and the children and not best for your mum or anyone else xx
    LBM in April 17 - Starting card debt £33554
    Mortgage@1 June 18 - £76350
    Total debt @june 18 £102311
    Debt Jan 25 £8282
    Mortgage £51215. Total debt now £59497
  • Cherryfudge
    Cherryfudge Posts: 13,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If you go for the '12 months out' option, if you wanted to ask about doing relief work you still could - but having any small child is a big job in itself and one who needs extra care is certainly going to use your time and energy. Not that you need me to tell you that. :)

    I hope you can begin to get at least a bit more sleep. I know I feel better when I manage more.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • I don't know if this benefit rule is still the case but about 10 years ago I set up a small business with the ex ( not involved in it now at all) . My friend was widowed with 4 children and was in receipt of benefits but she was allowed to earn a maximum of £20 a week without affecting her benefits. She worked 3 hours a week for us which we could be flexible with so it could fit in with school holidays or her children's needs. If you took a year out and this £20 a week option was still valid, could you become self employed or employed in a small capacity? Hope this makes sense...just trying to think of every option.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Sounds like a very good decision Wannabee, it will relieve some of the pressure on you.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds like a very good decision Wannabee, it will relieve some of the pressure on you.

    Agreed :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Cherryfudge
    Cherryfudge Posts: 13,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Just looking at the other side of things for a moment... I think going out to work and having the children see the example you set has been very important for you. If you don't go back, try to get that structure/routine that you mentioned earlier, and build in opportunities to go out even if it is for a naughty paper cup of coffee! Explain the decision to the children in terms of this being your job and the Government pays you (through the DLA) to look after your smallest one's additional needs and you like that because it gives you more time with them all (or words to that effect).

    That sounds as though the Government pays you to go out for coffee... think I need sleep. :)
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope you're getting some decent sleep Wannabee, that your mind is more settled, and that tomorrows meeting goes well. I find that sometimes just making a decision, one way or the other, lifts a weight from the shoulders.
    Take care honey, we're all rooting for you. X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • UncannyScot
    UncannyScot Posts: 2,070 Forumite
    Sixth Anniversary 1,000 Posts Photogenic
    Morning Wannabe :D

    Have a grand day missus
    We've got your back luv
    (((((HUGS)))))
    :A
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
  • Busy_Mee1
    Busy_Mee1 Posts: 1,015 Forumite
    Just wanted to pop in to say that I hope all goes well today. If you do decide to take a 12 month carer’s break from work then you could consider doing some volunteering once your little one is well enough to return to school.

    Volunteering would give you a lot of the things you would miss by not going to work - you would get out of the house, meet new people and have a sense of purpose outside of your family. I think it would also appeal to your very giving nature. You could chose what you did and when, but there wouldn’t be the same level of commitment as a paid job x

    I
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