We only have a personal loan, thank goodness. No mortgage yet, I recently did a detailed budget to help us save for our house deposit so i know roughly what we need, but that didn't include possibly 2 months of no wage at all. So we are kind of organised. I'm just panicking about no wage, then to min wage then to part time wage and probably not full time again for at least 12 months after the baby is born. And even then we will probably be trying for #2 by then because this one took 3 years to get and I can't risk waiting another few years to try.
Oh sorry for the rambling, so much on my mind!