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Forum LockedPregnant and in Poverty??

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Bizzy View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Bizzy Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 7:34pm
so who does the grocery shopping in the house? you need to start putting things aside now, nappies (if you are using disposables), wipes. supermarkets generally sell lots of baby items now, incl bibs, blankets, clothes, bottles...

i dont kow how long you have been unemplyed for but have you tried for a temporary part time job to get some money for baby stuff and for yourself.

makeup and haircuts and vitamins arent essentials... hate to say it but neither are mobile phones... if his income is that low you may qualify for some form of accommodation or other assistance as well so might pay to check with WINZ etc.

you dont need to be stuck at home... go for a walk round your neighbourhood... staying fit will be helpful for when you have bub and you may meet some nice people in your area as well.


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emz View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote emz Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 7:49pm
We have been on the bones of our asses and luckily had parents to give us food parcels etc, but basically we ate bread, didn't use mobile phones or internet, didn't drink, used cloth nappies, used 2nd hand clothes and made do. It is possible, but I suggest if you're having issues with your H to ring WINZ.

Also, if he is earning a bit, you could talk to a lawyer (maybe CAB might give you a community lawyer to search?) about spousal maintenance rather than the DPB if you left (it basically comes down to him paying you maintenance as you decided to have the baby together - can work out better thant the DPB).

I'm sorry but any man that values beer and fags over his wife and baby is worthless IMO. He needs a reality check and there's probably only one way that's going to happen. My DH likes having his own money but sacrifices pretty much everything to give us the life we have, and TBH I wouldn't expect it any other way.

Sorry you're in this situation
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Hopes View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Hopes Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 8:43pm
It sounds like you're in a bit of a pickle, but I'm sure there are ways you can make it better.

First things first, what are your expenses? It sounds like you’re eating (if not a huge amount), and have a roof over your head, so I assume you’ve got the groceries and rent thing sorted. Other essentials seem to me to be
- clothes
- perhaps a few veges etc (assuming you’re living off the cheaper stuff, which is usually carbs)
- the things that Bubs is gonna need when he/she arrives

So, you need to come up with a bit of cash. I’m thinking that $50 will get you sorted with some OK looking gear at SaveMart (or the local opshop equivalent). P’raps you could put a few things on TradeMe to make that? Maybe even some of your pre-preggy clothes for a few dollars each (since you have died hair, I’m assuming the rest of you has seen better days too) – it’ll add up.

Then do what you can to get some kind of money coming in. There’s temping jobs you can get, perhaps some kind of (light!!) labouring, if you’re rural, how about a stint or two at relief milking or rousying?

With what you’ve got coming in, stockpile stuff the baby will need. Buy some vege plants and look after them in the time you’ve got when you’re not working. They grow in buckets if need be.

Make an effort to get out of the house. Like has been said, just go for a walk – it’s as easy as that. Meet a friend for walk –even better (I assume you have them, since you mention you can’t go out for coffee with them).

If you’re serious about staying with this chap, and making it work, you’re going to have to look after yourself. Get your own account. Keep tight tabs on your own money. Let him do his thing (seems like he’s going to anyway), and do your own yourself. And get into siege mentality for goodness sake. If you’re worried about nappies for the baby, coffee, a haircut, makeup, a mobile, they’re all things you really, really don’t need. They’re good to have. Most of us like them, and I think long-term, it’s really important to have treats and breaks. But for now, you say you’re worried about nappies for the baby... so make that what matters. Forget the other junk for now!!!!

How does that sound? It does involve a bit of work... but isn’t the Baby worth it?

Of course, I’ve suggested that because you’ve made it clear you’re not going to set down the rules with this drop-kick. I find that hard to comprehend, but then I have a secure upbringing, and feel confident in my abilities to look after myself and my wee one. Perhaps you haven’t had the advantages I’ve had to give you that confidence? Anyway, if it was me, I’d be drawing a line, and saying ‘it’s either that, or I walk’. (And although I guess I’d be biased, I would try to make sure it was a fair line too. If I’d been made redundant, I think it would be fair for DH to be a bit peeved if I hadn’t picked up a job yet (depending, of course, on the situation, and how hard I’d tried – I can imagine circumstances conspiring against one in that respect.)

Edited by Hopes

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RinTinTin View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RinTinTin Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 8:51pm
Originally posted by Aethalia Aethalia wrote:

http://www.ird.govt.nz/wff-tax-credits/entitlement/what-is-wfftc/

look on here Mum2Mac- You would be eligable for the Parental tax credit- it is the last one out of the four, however you have to apply before your child is 56 days old (8 weeks).


Oh...FAIL then. Mac is 9 weeks old tomorrow.
Hardly fair, I didn't even know I could get it.


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cuppatea View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote cuppatea Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 9:11pm
Mum2mac, I don't think you need to apply in the first 8 weeks the payment is just for the first 8 weeks but because it is through WFF you can also get it as a lump sum, same as other WFF payment. You do have to get an IRD number for baby but if you are already signed up for WFF you have probably already done that, if not it is easy you can do it through the IRD website.
I would ring WFF and ask them about it, no point screwing yourself out of $1200 if you are able to claim it.

oh edited to add, you can't get IRD number till you have birth cert and ours seemed to take ages to come through and then the IRD number took ages (I actually phoned and got it off them in the end and was another few weeks before it turned up in the post) so thinking back I think he was older than 8 weeks before we even had the paper work to claim it.



Edited by cuppatea
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Raspberryjam View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Raspberryjam Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 9:29pm
when we got it I just applied on line and then they sent a letter - once we were already recieving the payment - asking or Birth cert - had to fill out a form - and take the form and the birth cert to the local post office and they faxed it through - apparently they are an IRD agent - if that helps at all

just saw this

When you receive payments
If you register for parental tax credit within three months after the child is born, payments are made fortnightly.

Otherwise we make a lump sum payment after the end of the tax year (ie after 31 March), when we work out how much parental tax credit you are entitled to receive based on your income for the tax year. This usually means you receive the payment around July.


Edited by Raspberryjam
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Lucky apple View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Lucky apple Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 9:48pm
Pregwithnumber1 - have you mentioned any of this to your midwife?

...there are loads of people who can help, but your midwife can help to connect you with the right people who can support now, during pregnancy, and after baby is born. If your midwife doesn't "hear" you properly...your GP could...sometimes the help ball might not start rolling unless you push it.

Take care!

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Post Options Post Options   Thanks (0) Thanks(0)   Quote HoneybunsMa Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 10:07pm

Oh hun that sucks! I was made redundant at 12 weeks, yep nice huh. I got straight onto a couple of agents and tried to get work, but no such luck. The most annoying thing was I was literally one phone call away from getting a full time temp job for as long as I wanted it but missed out on it because after my interview an old employee rang and asked if they had work. Needless to say I was guttered! I worked until I was about 20weeks and then a month later had my annual leave paid out which was about 4weeks worth.

I was lucky I was kept on the payrole and qualified for wff. It sucks, luckily DP was good about it and understanding he knew I was doing everything I could to try bring money in. I was thinking of temping part time in hospitality which is the industry I've been in for 5years but thought better of it, as it is hard long hours for temps and can be quite phiscally demanding.

Now I am trying to find part time work, but finding it hard! I am so capable of alot of things but don't even get a look in. So it is still hard out there. DP who is a senior manager at his work is also finding it hard out there.

As has been mentioned after baby is here, do the birth cert, and get wff as soon as possible and get onto the ird number. My birth cert, and ird number came quickly once we put it in. Make sure that money goes into your account not his.

Be wary of brands in regards to baby items. We used huggies to begin with, but then went onto select brand/pams etc. And now are using ones from nappies for less. We invested in cloth, because we were on a budget and $300 for nappies that will last us for at least a year was a good option for us. Some places let you laybye/hp them. Nappies direct also has an "account" you can put money into for when you need the nappies and they deliver.

Sorry make up/ hair dye/ all the luxuries in life well I haven't had for awhile. Yep I have the grey streak going on. Oh so hot! baha I get my hair cut once in awhile, yes it costs abit as I go to a decent hairdresser (who happens to be a friend) but she does good cuts and I want to look good if even for awhile. I suggest you go to the supermarket and get a home kit to dye your hair dark ttherefore not worrying about the regrowth.

We scrimped and saved and managed to hold our heads up. its tough out there for most people now.



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Post Options Post Options   Thanks (0) Thanks(0)   Quote 0mrs0ana0 Quote  Post ReplyReply Direct Link To This Post Posted: 10 February 2010 at 10:40pm
You poor thing! I think you've been given some great advice. Assuming your H is a reasonable person I think you need to have sit down calm conversation, tell him how desperate you're feeling & you're at the point of walking out. If that what you decide is best make sure you've got a great support network in place. Maybe board with your parents if possible?
I really feel for you hun, hope everything works out for you & your bubba


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Pregwithnumber1 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Pregwithnumber1 Quote  Post ReplyReply Direct Link To This Post Posted: 11 February 2010 at 1:32pm
Thanks everyone for your advice and wisdom, I have taken it all in and will consider seriously. I got myself into this mess and intend to get myself out. Just needed to vent my frustrations before I went postal. Thanks heaps for your support Means a lot!



Edited by Pregwithnumber1
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MindyW View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MindyW Quote  Post ReplyReply Direct Link To This Post Posted: 11 February 2010 at 1:44pm
All the very best Pregwithnumber1, I know some of our comments may have sounded harsh to you but your over halfway pregnant with bubs and its only going to get more expensive from here on! I really hope that things work out for the best for you and your little bub!
My Beautiful Little Emily

We've Waited for You Forever!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote minik8e Quote  Post ReplyReply Direct Link To This Post Posted: 11 February 2010 at 1:51pm
I'm not even going to go into the hubby thing, cos you already know it anyway.

Re. work - do you have skills that would enable you to temp? It may only be a day or two every week or two, but better than nothing. And it means you can get some of the things that you need for bubs. Our girls stuff is all second hand except clothes we were given and the mattresses for the bassinets and cots, and you know what, no-one would ever guess!! That includes the cots and buggy, dresser etc.

Alternatively, even jobs like a checkout person at a supermarket/The Warehouse etc are worth looking into. Sure, the pay sucks, but most uni students are heading back now which means vacancies opening up, and it's better than nothing. I work part-time at the Warehouse, sure it's not glamorous, but I'm not in it for that - we just needed a wee bit of extra money, and this enables us to get that.
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