However, a few months after giving birth to a baby boy, Femi fell pregnant again. The couple decided that she should give up work to look after the children and save on childcare costs. Then they were hit by a bombshell: Bola was made redundant. His severance package was good, but due to market conditions at the time, there were very few opportunities for IT consultants and he was out of work for nine months before he gave up job hunting. He then decided to retrain as a teacher which would eventually lead to a new career and an 80% pay cut. House prices had also started to fall, so the couple were soon in negative equity. With virtually no money coming in, other than a tiny training bursary and child benefit payments, the couple's savings quickly ran out. To keep up with their financial responsibilities, they were forced to sell their cars, borrow money from the bank and max out their credit cards.