Money troubles

Go back to work, find a new job while youre in work. At least then youll be able to start helping. If youre working over 16 hours, you should be entitled to childcare funding for 30 hours as youre both working parents then

Where is his money going? You need to sit down with him and discuss setting a budget. Do you have a joint account? If not, you should open one. All money should go into it and you are both accountable. You need to find out what the money is being spent on.

Would your MIL be looking after your child if you chose to go back to work?

I would not be making any decisions right now until I had sat down with my partner and found out where every penny of his salary was being spent. Get him to show you the last 6 months of his bank statements. You need to figure out how big your problems are first, you may find you going back to work would be pointless and you could enjoy the time to spend with your kid instead of worrying. But you won’t know your position until you have cold hard facts in front of you.

Money doesn’t just disappear. At any point in time I could tell you down to the penny what’s in my bank account and that’s down to financial discipline and planning.