Overwhelmed

Just need to vent… Probably my hormones making it worse for me. Im EBF but my period came at week 8 and im due on again today. My washing machine broke this morning and it looks like I’ll either need to get a professional to fix it or get a new one. I was planning on buying a new car but the interest rates were way too high for a car loan so that’s out the window. My credit rating is perfect but Im penalised for not ever having a credit card (hate this fact). I don’t feel safe in my car and so I feel really uncomfortable driving my newborn daughter around in it but needs must. I have minimal savings that I dont really want to use as Ill be on statuary pay come January, that barely covers half my mortgage. I am actually privileged to have my own home, car, food etc. I have a really good salary yet it still isn’t enough to live comfortably in this economy. I don’t understand how people manage a house, family and car. I really dont. I think my MIL will offer to pay for a new washing machine for us but how can I accept that? Her only son, my partner, used to be the main person who helped her financially. Now my partners finances are spread thin between helping me, our daughter and his Mum. She lived a difficult life and I hate to have her spend money on us when she needs it more. She deserves it more, to enjoy her life. I know I am privileged to have all I have and so many are a billion times worse off than me. But how does it make sense to earn such a good salary and yet cant afford anything besides paying the bills. My partner doesnt earn as much as me and has never been good with money and I just feel the financial strain so much on my head on top of trying to be a good mother and partner. Kudos to all the single mothers who have no support. You lot deserve the world.

Show your support

Oh my gosh I feel like I could of written this. Apart from the washing machine, I am in exactly the same boat as you. It's so tough. Have you thought about KIT days? Or are your work paying you for full mat leave? I am doing KIT days to financially help us out. My other half lost his job (of 20 years) and is waiting for DBS for his new job (which is taking forever). So I'm doing KIT days as I am now on half pay from my work from this monrh (I was also the better paid job). BUT, you got this. I always think of other people and how they get through it. You can put pauses on payments / loans etc. It will be fine and you have absolutely got this.

@Nicola Im on full pay till December thankfully but need to compensate for when Im on stat pay so will be taking KIT days during that period for top ups. Ive been overpaying my mortgage the last couple months too just incase we need a “holiday” from paying it in the new year. Honestly, I dont know how others with less manage. I have great budgeting skills. Have done all my life, thats how I managed to save for my house. I never over spend. Ive had my car for almost 10 years. But its still never enough x

This is definitely me. Aside that my husband earns more but I don't understand how his salary keeps "vanishing" before the middle of the month. So, it's just as if I'm earning more as I have to be the one to sort most of the bills. I really think where we are has become too expensive for us and even though I have told my partner we should consider relocating to a cheaper place, seems I'm talking to air 😒 It's very annoying working yourself out and you still have to go to your savings to get by each month and it just keeps getting worse! I really don't know how people really manage too as I have never had it this bad been the more financially intelligent one but now feeling very lost 😔

@Rosy I dont know how people manage either. The economy is getting worse every year 😓

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌