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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 751Posts
    • 1,070Thanks
    hannahroberts1985
    Debt-Free wanna be vs Maternity pay. Determined to stay on track.
    • #1
    • 15th Jun 16, 9:18 PM
    Debt-Free wanna be vs Maternity pay. Determined to stay on track. 15th Jun 16 at 9:18 PM
    Hey everyone,

    I'm Hannah I'm 30 (not sure how or when that happened my memory must be going because I only feel 21 mentally 50 physically though )my debt is shifting in the right direction and we are able to pay £200-£300 off a month but with maternity pay fast approaching I felt a diary would be a good way to keep me on track. I am currently 22 weeks pregnant with my second little boy. DS1 ( darling son)is two on the 29th. We are going on a holiday to Devon Friday. Guessing all this expense has got me wanting to keep things in check. Since being so good I get panicky about spending but chunks of money. We booked a small family holiday though before DS2 arrives as we haven't been on a holiday for 4 years and wanted to take Kian before things got crazy. Everyone's got to live a little right. I'm also currently on an 8 week full paid sabbatical from work...it's great but that's also 5 extra days a week to try not spend money! I tell you this weather needs to perk up soft play isn't cheap!!

    I was awful with money years back even had a diary on here
    previously. I have been cleaning debt for a few years now. I have some of my own debt and joint from buying things for our home my partner has bad credit due to a mortgage he's stuck in with his step father. ...we will cross this bridge at a later date but it is all (touch wood) on track now. Other than that he is great with money and has taught me a lot!! Me and DP (darling parter) share money fairly we both have pocket money then anything else go into the joint account/off my debt repayment. I was part time when I went back after DS1 but went full time when we were planning DS2 1) for the maternity pay and 2) I know my 8 weeks paid sabbatical was due so wanted to get full time pay for this. I have 6 weeks full time to work before maternity leave and I'm dreading it, but hey ho needs must! Think of the money I keep telling myself. I feel I am in a good place and manage money so much better than I used to. I'll share my tips with you.....when I get a chance. I will also update my signature with SOA ASAP.

    Thanks for reading (if anyone is) now that's off my chest time for a bath then bed.
    Hannah


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    Last edited by Former MSE Jessica; 18-04-2017 at 2:48 PM.
Page 18
    • hannahroberts1985
    • By hannahroberts1985 3rd Feb 17, 2:28 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Quick pop in! Nsd today and yesterday. £20 put in Wednesday so now I have £27 until 15th and not really any plans. I'm enjoying staying at home a lot more now as it's just so much easier than venturing out.

    I need to have a rummage through the freezer and cupboards and make a meal plans with a minimal shopping list to make it happen. We have dp': friends coming for Sunday lunch but he will but the food from his pocket money.
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 4th Feb 17, 8:09 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Few spends today. My small food shop turned into a £75 one aghh! I did not stick to my list! I really need to get back onto of having money in the food account. I hate feelinf bad about buying food. This should be sorted by next month.

    There was a indoor carboot at the social club where I like today gave DS 1 £2.50 and he picked a couple of toys a puzzle and a book. He loved it and it kept him busy all day. Me and DP said we may try go to another one for something to do on one of his days off. The toys were so cheap!

    I signed up to a couple of subscriptions activity postal boxes for DS1 I got £1.77 cash back and the trial boxes cost £1. I'll try them and see if I think they are worth the money. Probably not but worth a try.

    Not much else to report for now. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 7th Feb 17, 8:37 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Morning,

    Just logged on and money what money from savings we need to cover bills. Eugh I hate taking money out of there! At least it's there though.

    On a positive note DP earnt enough commission last month that his pay this money should cover all bills next month. Still no word from work about the extra maternity allowance so I'm planning as if it's not coming so I don't get disappointed. We do have to mot our old car next month and I'm getting scared!

    Just feeding DS2 up before we drive to 45 mins to my sisters for the day. Other than petrol it'll be a free day. I have £55 going out for dinner tomorrow night £30 so £25 left I will need petrol today so will put £20 in and hopefully just plan free things until pay day. I have plans to meet friends Friday but hopefully this will be be a play date at someone's house.

    We've nearly made it past the tricky few months of DP learning a new job and this should start to show in his pay now.

    Slow and steady. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • reality_check
    • By reality_check 7th Feb 17, 4:59 PM
    • 692 Posts
    • 1,506 Thanks
    reality_check
    I'm glad you're getting there with the pay from the new job, always takes a while to even itself out - which is annoying!!

    Hope you're enjoying maternity leave, I'm so jealous!! xx
    • hannahroberts1985
    • By hannahroberts1985 10th Feb 17, 8:13 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Eugh eugh eugh!!! So I'm a fool who didn't realise you can't flush baby wipes! I've been flushing them for a year since DS1 was potty trained! They blocked the drain and we had to pay £330 to fix it!!! The savings account is looking very very grim!!

    £5 spent on a play date today I have £10 left in my purse until pay day on the 15th but no plans and I'm feeling poorly so think I'll have some quiet days at home with the boys.

    One step forward two steps backwards :0( xx
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 11th Feb 17, 8:03 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Feeling down about money today

    My mse credit score updated today and hasn't changed!! I paid £1000 of my credit card over a month ago. The site doesn't show state of accounts so I'm hoping it's not updated yet and when it does it'll make a big difference. Although it's not like I need a good score as I'll never be able to afford to but a house anyway ! Still no word from dp'/ dad I knew this would be the case though. He is coming to visit in a few weeks through so I'll get DP to stress how important it is that we have the money to focus on looking after our family now.

    Must focus on the posivited and stay on track.
    £2867 plus £1000 DP's overdraft paid off debt since June.
    £1200 on savings
    Credit scores on the up

    I just feel so silly for being stupid with money all those years. We living and learn I guess! We have the mot due soon which I'm preparing mentally to take the rest of my savings but at least the money has been there to pay these bills.

    I have no plans for the next week so that should keep spending down. I need to rummage the cupboards and freezer and meal plan x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 14th Feb 17, 7:57 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Pay slips up for payday tomorrow. There is a tax rebate again which will help. No sign of the extra mat pay though. I may give payroll a call at nap time.

    I've sprained my neck which is not fun with the two boys to look after. Spent my last £10 on pain meds yesterday. DS1 has had a trip swimming and a trip to the beach the last two days thanks to my lovely friends and family so hopefully he won't go to stir crazy staying home today while I try and move as little as possible. Already looking forward to nap time....it's going to be a long day.

    I didn't even get a chance to get DP a Valentine's Day card and I normally pop one through my mums door from DS. I may dig out the craft stuff later and make some with DS. My mum offered to come round after work to help it'll only be for an hour or so before DP gets home but I might take her up on the offer least then I'll have help when dinner needs cooking. Lovely romantic valentines dinner for me and DP with my mum ha ha! We don't really celebrate it to be honest so he won't mind he'll just be happy I've had some help. I could do with some food I'll either send DP tomorrow as it's his day off or do a Tesco shop. Funds are limited though so Aldi may be best if I check freezer and cupboards and meal plan again. All the food hoarding I did while pregnant really helped but living in the middle of nowhere I like to have this so will need to build the freezer stock back up at some point.

    So jobs for today:
    Meal plan and write shopping list.
    Make Valentine's Day cards

    X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 15th Feb 17, 9:44 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Pay day here. Whoop!

    DP's day off so we're going to take DS bowling then meet my dad for lunch. Our treat to him as he tried to unblock the drain and it wasn't pleasant. I'm at the stage now where it feels wrong spending any money. Must loosen up and remember I still have a family and a life to live. It's my sisters birthday the start of next month so I've ordered her present this morning too. We'll pop to Aldi on the way home and pick up the bits we for the week.

    Payrol called and they said any money owed will go onto march pay slip. Not sure I'm owed much now as the form looks like they will only backdate until 1st Jan and I went of super early as I was struggling. Boo! Anything is a bonus though I guess. Sooo already counting down the days until next pay day!
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • chelseablue
    • By chelseablue 15th Feb 17, 9:47 AM
    • 2,287 Posts
    • 2,813 Thanks
    chelseablue
    Well done, you're doing really well!

    Not sure if you've said before but are you planning on going back to your job?
    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
    • hannahroberts1985
    • By hannahroberts1985 15th Feb 17, 9:55 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Thanks you. I know I keep rambling on here but it keeps me positive.

    Yes I will return three days a week mid June. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • chelseablue
    • By chelseablue 15th Feb 17, 10:00 AM
    • 2,287 Posts
    • 2,813 Thanks
    chelseablue
    I have a mortgage free diary on here that I ramble on

    I have one son and currently am back full time, childcare is a fortune! Cant wait for September when he'll be eligible for the free hours (I hope his nursery will be doing the 30 hours a week!) x
    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
    • hannahroberts1985
    • By hannahroberts1985 15th Feb 17, 4:50 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    I'll try have a look at yours sometime. Life is just so busy at the moment I've not checked in on other diaries for a while now :0(. Sorry everyone xx
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 17th Feb 17, 12:25 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Just having a brew and snuggles with a poorly DS1! This does mean plans today were cancelled so money saved there. It's been a week of illness here.

    I think when DP gets paid on 28th we will be out of the making ends meet between the two jobs. If he gets paid what I think he wil anyway. I feel like we've been a few £100's short of what we need for a few months and the food/petrol budget has been non existent. Just need to keep going until payday then I should be feeling a bit better about it all.

    I have £110 in my pocket money bank and £16 in my purse. We may pop to a car boot Sunday and give DS1 some money for a few toys. I also want to get out and sort the garden a bit. Meant to have family over tomorrow but we will see if DS is well enough. So I have £30ish per week to play with. Which should be doable. I may need to pop £20 in the car to last until dp's payday.

    The child benefit should be spare from next month so I'll start making a list of clothes and bits I want for DS and start on that then.

    Dp popped to do an Aldi shop for me yesterday as this got forgotten due to all the sickness. He actually stuck to my list!! Something I wouldn't have done so I may send him more often! Meal plan done up until next week when we have family visiting as we don't know what the plans are yet.

    Think that's all. Best try get DS1 in bed and carry on with the washing and cleaning mission created from him throwing up repeatedly last night.
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 20th Feb 17, 10:50 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Morning,

    So clear score has updates and no movementthe £1000 I cleared of my credit card in early Jan still hasn't updated!!

    Had to cancel our plans this weekend as we were all struck with a sickness bug! So money saved again but man am I bored!!!

    I've had to sell the tickets I brought for DP for Christmas as DS2 still won't take a bottle we have his mum coming to visit wed and Thursday so will probably use the money to get a take away as we were worrying where the money would come from for this.

    Roll on 28th for DP's payday when we should be back on track!!
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 21st Feb 17, 12:36 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Aghhhh why did I soend all my money on rubbish years ago!!

    That's all!
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 21st Feb 17, 10:18 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Whoop soo long story short the local water people have been in the street today and I went to speech to them. Turns out the who estate is blocked up and they've given me a number to call to get my £330 refunded! Whoop!!!

    The company I used still haven't sent the invoice through even though I've called several times so I'll call tomorrow and insist they stay on the phone until I receive this then call the water board to get it refunded.
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 26th Feb 17, 3:33 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Quick pop in no major spends everything non track....near enough anyway.

    Just putting together an online food shop plus a list for DP to grab from Aldi.

    Two more days until DP gets paid then we should have rided out the job change over and have everything back on track.....until the cats mot! 2we have it booked in for a health check Tuesday I'm exspecting the worst but hoping for the best.

    The water company would only refund £150 of the £380 I spent. Grrr I emailed and asked for more but again not exspecting anything but thought no harm in asking.

    Right best go bath the boys. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 28th Feb 17, 8:29 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Morning morning morning,

    DP has been paid whoop whoop! Everything is now where ur should be and all accounts back to where they should be. I have a monster food shop coming later today along with the Aldi shop so did last night so the house is now full to the brim with food, cleaning products,toiletries, cat food and medicine. We live so far away from a supermarket I like to keep the house full. I should only need bread and milk until I get paid on the 15th and fil up the food and petrol account.

    So took my car to work today for its health check. So I'll be awaiting that dreaded phone call with a price for mot repairs later. I doubt the £170 in the car fund will touch the sides.

    Still waiting for the £150 back from the water board and an email to see if they'll refund any more.

    My pocket money account is looking grim but I don't have too much planned a soft play date Friday then a meal out for my sisters birthday. It my mum has saved her Tesco vouchers up so hopefully it won't be too much. Any family days out will have the be paid for by DP until 15th

    Payrol have said any extra mat pay owed will be accounted by the 6th and paid on the 15th. I'm trying to not get my hopes up but secretly hoping for a bit of a bonus next pay day. Fingers crossed.

    DP's family were meant to come visit but had to cancel due to the storm. I wanted DP to have a chat face to face re the mortgage so that was annoying but he messaged and apparently things are still loving forward on this....we shall see it's not the first time he's tried to get them to free up his money and failed. We have our own family to think of now though so I'm pushing for it now. Any decent parent should understand that right?

    Maternity clothes and a few of ds's bits on eBay. I should have really done a car boot but DS won't take a bottle so can't really leave him. I've decided that unless we win the lottery there will be no more babies for us!!

    I've started comping thought the mse forum. I set up a new email and do them when I'm doing night feeds etc. I would always browse the bargain forums etc and end up spending money so this will keep me busy and you never know I may win something!

    I think that's all the money thoughts that have been running around my brain. I'll check back later with the car verdit! X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 1st Mar 17, 8:34 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Morning,

    No price for the car yet but DP said the list looked long they are pricing it up Thursday for him. Luckily he gets a big discount as he works there now so we shall see Thursday. I think we will fix it though and try make it last another year we really don't want more debt and monthly payments when trying to pay debt off and save and improve our credit scores.

    £100 paid back to the boys money. This takes debt below £6000 and also means we've cleared a 3rd of our debt!! It feels good!!!

    DP's family are down today so we shall see what happens with the mortgage we really need dp's name off it asap plus our money so I'm hoping he makes that clear and I don't have to speak up and look like the nagging wife.

    Were having pancakes for lunch as DP wasn't home for tea last night. I can't wait yum yum x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 2nd Mar 17, 12:22 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    !!!!!! !!!!!! !!!!!! £800 ish to fix the car.....do we use this for a deposit on a newer one that'll save us a fortune in the long run. Our clutch has been slipping a while too so only a matter of time before another big garage bill. Will getting car finance drastically effect our chance of a mortgage? Is a car loan seen different by provides as it's an asset? Hummmm decisions x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
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