I am currently 15 weeks pregnant and both me and my partner work full time. We have a house together and we split the bills 50/50. Due to a recent job change, he earns less than me and hasn’t been able to save anything since we moved house. When I am on maternity leave, my earnings will drop and it isn’t enough to cover the mortgage and bills for the house and his earnings won’t cover it either. I have some savings that I’ll have to use but it will mean that my years of sacrifice and saving up before we even met, will all be spent and the financial support will be provided by me only. I’m struggling to accept this and I don’t know if I’m being petty thinking about money this way when this is OUR child yet it’s all my savings to be able to support that child.
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Lot of people will be going through this. When I had my first child over 5 years ago we hadn't really planned to have a child and our salaries were low etc.
I did get worried at one point and contacted the Samaritans. They gave me some good points.
Both you and your partner sit down and see if there is anything you can do now to help.
- strip down any direct debits of subscriptions you can live without for a few months.
- meal plan, the more you plan your meals the cheaper your food bill will be.
- put a list together of items you need for the baby. Lots of it second hand is a great place and is safe to buy second hand.
- what is your maternity package if anything? I didnt get this so I was on statutory from the government which was peanuts.
- cost of going back to work early and paying nursery fees Vs being at home longer. We ended up making the decision that nursery fees were better and I went back to work after 6 months.
- be a team
- Samaritans have free financial helpers too who can help.

Nugget is a great resource for financials when you’re on maternity leave look them up!