Hi all this is my first and have a few questions about how some people manage to take a year of? I will stop receiving smp at 9 months but wanted to take a year of. How do you pay your bills if you have no income? Is it a case of saving before hand? Also I know I can get child benefit once she arrives but is there anything else you can claim in those remaining months. My husband and I both work but due to our out goings he wouldn't be able to pay for everything. Does anyone know if you are able to get housing benefit once your money drops? Iv tried looking on line but I get so confused Seems so unfair we have both worked since 14, he served our country and yet it seems we wouldn't get any help.