I completed my IVA in October 2012 and I am relieved it is over and I am using the lessons I learnt to help me especially with savings.
I am after some advice on how best to approach a period of financially difficulty.
I am pregnant with our first child which is due in August I am the major wage earner in our household and when I am on SMP I will be £1300 per month worse off.
I am considering approaching our mortgage lender to ask for a payment holiday but with our finiancial past I am concerned that they will turn me down. I am even considering a loan just to help us but I don't know if that is even an option.
I know post iva most people don't want to borrow money and I didn't think I would but I can't see how to manage during maternity.
I am already planning on sharing my leave with my husband as I know we can't afford for me to stay home for all of it. But as a first time mum I really want to be at home for the first 6 months.
Any advice on people who may be able to help would be gratefully received.