Pregnant - In Debt - Please help!!

nicj1803

Hi.

I have just found out I am 4 weeks pregnant. I live at home with my parents. I am engaged and my partner also lives with his parents. We both work full time. But we are in a large amount of debt. What the hell am I going to do?

Thanks.

immoral_angeluk

Firstly congratulations on your pregnancy.
In my eyes this is the perfect opportunity for you. You have a REASON to get out of debt. I started off in exactly the same boat and kept a diary for it.
Here's the link if you fancy a mooch.
http://forums.moneysavingexpert.com/showthread.html?t=285422
Start off by putting together a statement of affairs so you can see exactly what's what. Then if you wish to post it on here so we can see what you can do then feel free. Also there are free charities out there who can offer fantastic advice such as the citizens advice bureau, CCCS and Payplan.

We're all here for advice so please don't feel afraid to ask.

Snaggles

Hiya :wave:

Firstly - congratulations! Hope it's all going well so far and you're not suffering too badly with morning sickness.

Secondly - don't panic, there are quite a few of us on here (me included) who have continued debtbusting through pregnancy and maternity leave, so you WILL manage.

What I would do first is put together your SOA (just a list of what income you have coming in, and what you pay out each month).

Do you know what maternity pay you will get? You will be entitled to child benefit and possibly tax credits.

Thirdly - welcome to DFW

immoral_angeluk

Oh bog off troll. seq's post reported.

Snaggles

Nic, you get very few idiots like the 'sequoiagary', so please ignore - the rest of us are lovely.

Anyone calling himself sequoia clearly has some sort of manhood-related inferiority complex! :rolleyes:

shopaholic2008

hello just wanted to say congratulations, i completley agree with everyone else a SOA would be a good place to start money saving and plenty of people will come up with ideas that you may not have thought of. Why not keep a spending diary and see where you are wasting money you can then control spending and put it towards you debt.

Apart from that reading the threads on here will give you loads of ideas and help you become debt free!!:j

pandapaws

Me, me, me!!!
I'm a whingeing spendthrift!

Nic, congratulations on the pregnancy, welcome to the forum. You've been really unlucky to get a kn08 posting on your thread already, don't be put off. My first post on here was also the day I found out I was pregnant and I haven't looked back since - good luck!

poppyg_2

Nic, As others have said please ignore the troll, I have not been a member of this site for very long but so far have found advice from everyone to be extremely helpful and I wish I'd discovered it a long time ago!!

LilacPixie

Congratulations Nic.

Ignore the troll, he apparently is too dumb to read the bit in bold Pls remember Debt-Free Wannabee's for support and help not judgement

shopaholic2008

sequoiagary wrote: »

Truth hurts sometimes doesn’t it. You’re probably all tarred with the same brush, whingeing spendthrifts who can’t see trouble coming if it hit you in the face. Pull your horns in and stop spending irresponsibly, money doesn’t grow on trees.

Oh and i suppose you are so perfect, this is a place to offer help and support not to be judgemental and plain rude. If you havnt got anything constructive to say dont comment at all

Cleosmum

Dont feed the troll