can you actually afford to have a baby?

Discussion in 'Home Life & Finances' started by cocoflakes, Aug 6, 2012.

  1. littlemiss83

    littlemiss83 Well-Known Member

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    I remember what its like to have that mindset - it doesn't matter if we're skint, we have all I need ect. But trust me it gets so so difficult the older they get, its all nicey nicey buying lovely baby clothes but there gets to a point where you are CONSTANTLY buying clothes, including bits off parents ect. Shoes, bags, clothes, school/nursery trips, school uniform (and yes you do still get a grant but its only £30 or there abouts) which is probably just enough to get 1 pair of shoes, I spent £100 this year on uniform & thats not including birthdays, xmas, day trips, food, ect ect. Trust me hun...it gets alot worse & I personally think its best to prepare for that rather than expecting your parents to keep buying clothes coz it isn't just clothes...Out of my wages I spend literally hundreds of pounds a year, would be interesting for someone to do a quick sum of how much us mums spend, and thats money that hasn't increased, its ALOT more than any benefits I get - ok baby might be alright not having brand new stuff & i'm all for 2nd hand, done it myself but they only stay tiny for a while dont they - as soon as they hit school thats it....(everyone in my class has........can i have it please) and its a £300 games console...and if you dont get it, yours is the only one that doesnt & risks being "the odd one out" - does that make sense - sorry if i sound rude, I just often think that mummies with small babies have no idea at all the costs that are concerned, I had to learn the hard way & tried to fight it.
     
  2. littlemiss83

    littlemiss83 Well-Known Member

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    Hmmm this is a tricky one. I dont see any reason for her to visit the job centre if she isn't claiming something. Which means she must receive some DSS payments (on top of tax creds/C.Ben) I THINK you're allowed to claim JSA if your doing a part time course (under a certain amt of hours per week) and sometimes the job centre put you through good courses but theres rarely the spaces. If she was down as living with her OH & he was on a good wage then she wouldn't qualify for any DSS as they would expect OH to cover it. So he's either on a rubbish wage or she's not telling the whole truth about who's living there. He may not officially live with her, remember you only have to have someone live with you 3 days or more to be classed as living together - he might only live there half the week.
     
  3. Happyfeet

    Happyfeet Well-Known Member

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    I don't see a reason for it either. She's doing a teaching assistant course and volunteering p/t in a primary school, he lives there permanently working for himself but with a friend. Not sure if his wage is low or not but he is always working so I guess it must be ok (must be as they're about to go on their second holiday abroad this year plus loads of day trips/shows in London etc). She's also been to college before, a few years ago before her son was born. I'm just curious as to whether the college was discounted really, if it was then I can hopefully do the same once baby is born and a little older.
     
  4. babyem

    babyem Well-Known Member

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    I had to go sign on when my OH was out of work and I had a PT job and went to college. I wasn't receiving anything so it is possible.
     
  5. Happyfeet

    Happyfeet Well-Known Member

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    But babyem, your OH wasn't working and you were only working p/t, so it's not really the same situation. Xx
     
  6. tinks77

    tinks77 Well-Known Member

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    She could be signing on to job seekers but might not be getting any money from the job centre but they will still do her national insurance credits which go towards your state pension. if her course is classed as part time she can still actively look for work and get these
     
  7. Happyfeet

    Happyfeet Well-Known Member

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    I've no idea what it's classed as, she's there a few days a week?

    Off topic, but I grew up in Worthing!!!
     
  8. tinks77

    tinks77 Well-Known Member

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    Dunno colleges define if it's part time or full time courses and it's can be totally random to be honest lol
    Sunny old Worthing, been here over 20 years now :)
     
  9. babyem

    babyem Well-Known Member

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    Ahh sorry didn't see that. depends how often he getsjobs in i suppose..xx
     
  10. Happyfeet

    Happyfeet Well-Known Member

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    Think I'll have to do some research when I'm ready to do a course, hope it's not too pricey as I sooo want to learn more about food, other than just eating it haha.

    I miss Worthing so much! Moving back there one day hopefully! Xxx
     
  11. tinks77

    tinks77 Well-Known Member

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    We've lived a couple of other places growing up and moved her when I was 14, thought it was so boring as we lived way out of town and not so good on the old purse when clubbing but now I'm glad we stayed as I think it's a lovely place to raise a family
     
  12. Happyfeet

    Happyfeet Well-Known Member

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    The children are the main reason I want to go back, there's no Lido in Kent :(

    I lived in Offington corner and DH in Findon Valley which was a pretty decent distance from town with good bus links so I'd aim for there if I had the dough!!
     
  13. Humesy

    Humesy Well-Known Member

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    People still have to sign on for their tax and stamp x
     
  14. Happyfeet

    Happyfeet Well-Known Member

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    What's the stamp part? Sorry for sounding dense here, but in all reality, I am dense lol xx
     
  15. LikeJohnnYoko

    LikeJohnnYoko Well-Known Member

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    "The stamp" is the National Insurance Stamp, basically if you are out of work and you sign on you get your National Insurance contribution paid by them.

    The benefit of this is that you then don't have a gap in your contributions if you need to claim sickness or your pension.

    Even if you are not entitled to any money on Jobseekers, you can still get the stamp by signing on. I believe if you are on long term sickness benefit or Income support you get it automatically.
     
  16. Happyfeet

    Happyfeet Well-Known Member

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    Oh right thanks! Was worried it was something I should be doing as I don't work - SAHM
     
  17. tinks77

    tinks77 Well-Known Member

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    Yeah you get it automatically for all benefits for the period you claim for
     
  18. Sue Clare

    Sue Clare Well-Known Member

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    I agree that children get more expensive, the older they get! My 10 year old wanted a £75 superdry coat & a £40 superdry school bag, an apple Mac computer, iPhone.......the list goes on xx
     
  19. Humesy

    Humesy Well-Known Member

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    'wanted' doesnt sound like she got it all tho?!?! haha !! love it! i dread my boy asking for those things, what makes it worse is all the kids that age have these things xxx
     
  20. misscrazycooki

    misscrazycooki Well-Known Member

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    Not all kids just the spoilt ones. I never had anything like that when i grew up ended up saving myself for all the things i wanted and always valued money x

    20/06/2012 - Elliott born at 12:09 x

    11/02/2011 - Leo born at 11:37 x
     

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