Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 591Posts
    • 937Thanks
    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
    Last edited by hannahroberts1985; 24-09-2016 at 3:04 PM.
Page 2
    • reality_check
    • By reality_check 26th Jun 16, 10:33 AM
    • 434 Posts
    • 720 Thanks
    reality_check
    I think you def have enough food! Plus as you say it is lunch time and people do eat less. The more you have the more people either eat or more likely just needs binned!

    It is a kids party so I wouldn't be supplying wine either, you're being generous even giving them beer lol

    Hope you all have a lovely time xxx

    p.s I dropped 6 points from my licence this year and my renewal quote came in more expensive!! Was so shocked!! managed to get it down to what I paid last year, but I was expecting a good few hundred off! lol
    • hannahroberts1985
    • By hannahroberts1985 26th Jun 16, 8:27 PM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Quick check in after a hectic but lovely day. The party was great plenty of food even some left which DS and DP had cold for dinner so no cooking tonight whoop whoop! DS got so many lovely presents too....I have decided to set up a DD like I do for Christmas but fortieth day parties and his friends presents. I can see the older he gets the more exspensive this whole birthday shinanigans is going to get.

    Husky runner- thanks for the reminder I signed up last night and already have a couple of pounds banked. I need
    To have a bit more of a play on the site as haven't used it before. I did see you get eBay cash back and I use an eBay app a lot....not sure if they are compatable.

    Reality_check maybe the lady wasn't lying to me when she said the government have put up their tax by 9%. Glad you managed to get it back down though. Phew!

    I signed up to mintvine earlier this morning as couldn't sleep. I've not used survey sites before so will see how it goes.

    Right I'm pooped time to go zone out to some TV with a brew before bed. I've booked in a lie in tomorrow as DP is still off with a few more days. Exciting!! Xx
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • Huskyrunner
    • By Huskyrunner 26th Jun 16, 9:08 PM
    • 540 Posts
    • 944 Thanks
    Huskyrunner
    they are yes re ebay

    all you need too do is ensure you have the top cashback ap enstalled then search ebay. I used too use ebay loads via topcashback but cashback off ebay takes ages too drop through.

    another cash saver is link a nectar card if you have one too ebay. then you will get points for everything you spend on ebay, also from here nectar points can converted into vouchers too spend on ebay.

    http://pages.ebay.co.uk/nectar-rewards/spend.html
    debts 16550
    Mortgage 69500
    • hannahroberts1985
    • By hannahroberts1985 26th Jun 16, 9:54 PM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Hummm I can't download the app as need to update my phone. I hate updating it I'm sure appl* always reduce your storage every update to make you upgrade.

    Also I don't have a nector card I'd best get on it x
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • ramblehan
    • By ramblehan 26th Jun 16, 10:12 PM
    • 389 Posts
    • 868 Thanks
    ramblehan
    Quick hello from me
    Glad you had a good hols - Did you eat a Hockins?!

    I'm away at my mum and dads and no time for internet so just a quick hello for now.

    Sounds like you did amazing with your holiday and party budget- pat on back deserved! Hope you are now relaxing!

    I've started doing a couple of survey sites - can't remember which ones. One seems better as you see how much you earn per survey in ££, whereas the other one you earn points. Every penny counts!

    Ramble x
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • Huskyrunner
    • By Huskyrunner 26th Jun 16, 11:22 PM
    • 540 Posts
    • 944 Thanks
    Huskyrunner
    Hummm I can't download the app as need to update my phone. I hate updating it I'm sure appl* always reduce your storage every update to make you upgrade.

    Also I don't have a nector card I'd best get on it x
    Originally posted by hannahroberts1985
    dont worry if you cant re the ap just go through top cashback web page then search ebay be no issues that way. I purchase on ebay from time but i buy food shopping and fuel at sainburies the nectar points soon add up :-)
    debts 16550
    Mortgage 69500
    • hannahroberts1985
    • By hannahroberts1985 27th Jun 16, 9:05 AM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Morning Diary,

    Ramblehan- we didn't unfortunately by the time we made it into the town it was about 3pm and we had plans to go out for dinner so didn't want to spoil it with ice cream. I was a bit sad though.

    Thanks Huskyrunner I'll try that next time I use eBay.

    Back to reality here with a food shop of the cards for today. Not sure yet what else we'll get up to. I've just set up my savings account and DD for the birthday fund. Just £15 a month to start with.

    X
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 27th Jun 16, 7:58 PM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Food shop done and we looked through some receipts before I went and planned in a couple of new dishes we've been getting board. I went to aldi first then went to tesco for the bits on my list I couldn't get....I was hungry when I went though and spent about £10 on bits I shouldn't have...ice cream on offer...donuts and a big digger reduced to £3.50 for Kian, but I'm pregnant so that's my excuse for the ice cream and donuts and we had a bit of extra in the food/petrol account as we didn't spent any last week with being away.

    So my noodle report was updated today. I've gone up 22 points I thought this was due to closing two old cc's and paying off my next and clearing my £1200 od (I still owe this money and I'm tracking it I borrowed it from DS's ISA!!!! I was paying £20 a month interest on my overdraft so thought this was a wise decision. I'm sure he won't mind) but the report hasn't updated any of this info yet. The only thing that has changed is that it now says I'm on the electro roll which I had to get them to query last month. Glad it's gone up but a little annoyed I'll have to wait another month to see the changes.

    DP is just settling down to watch the football so I'm going to get all Kian's presents down and wrap them up ready for Wednesday morning. x
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 28th Jun 16, 9:55 AM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Morning diary,

    So just did my morning check of my bank accounts. My Halifax had a £2.51 cash back payment from Morrison's from May. I didn't even realise it was coming my bank has loads of different cash back offers I normally just activate them all incase I shop. I transferred this to my hsbc account and there was £8 left over after the rest of my bills have come out this month so I transferred another £10 back to DS's ISA.

    X
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 29th Jun 16, 8:36 PM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Quick check in before an early night after a busy day for DS's birthday.

    Spent £26 on entry to a childrens theme park today we took a picnic but it was heavy rain all the and the only picnic places were outdoors!! What a joke! We snuck in the back of crazy busy soft play cafe and ate our picnic though...everyone else was doing the same. I also spent £6 on tea and cakes for pudding. So in have £18 of my pocket money budget left for this week.

    Glad I started this diary it really is helping me keep things in check and think about where I can save to pay off more debt.

    Xx
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 30th Jun 16, 2:32 PM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Hey diary, quick check in while I have a brew and put my feet up for half an hour.

    I've been busy nesting today. All my wardrobes, cupboards etc are a mess. I've finally got some motivation from somewhere so I have sorted out all DS's baby clothes into boxes. Thrown out a couple of bun bags of stuff I was hoarding and sorted out a big bag to car boot/eBay. Manly clothes not sure how we'll they'll do on eBay so may wait until I've sorted the whole house and do a car boot with everything I find.

    I wrote a list of everything we need to buy before baby arrives. The main bulk is for DS's bedroom he will be moving into our larger spare room and the nursery will stay the same just with a fresh coat of paint. I found some bedding I liked on Georg* reduced to £6 and I've just won on eBay a m*othercare toddler bed and water proof (so I can clean it properly) mattress. All for £23!!! I checked and they still sell the bed and mattress on the website and it would have been £150!! It's a 45 min drive to where we need to pick it up from but it's the seaside so I'll just take DS to the beach one day and grab it on the way. Feeling happy as the list was scaring me I didn't want to spend all our savings and the bed is one of the big items. Whoop whoop.

    X
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • Huskyrunner
    • By Huskyrunner 30th Jun 16, 11:25 PM
    • 540 Posts
    • 944 Thanks
    Huskyrunner
    when are you due??
    debts 16550
    Mortgage 69500
    • ramblehan
    • By ramblehan 1st Jul 16, 7:14 AM
    • 389 Posts
    • 868 Thanks
    ramblehan
    Great bargain.

    Ref selling bundles of clothes on ebay, I've found its best to set a starting price near what you want to get for the bundle...otherwise if you set for 1p or £1 someone may get an absolute bargain and you'll feel cheated when you have to pack it up and go to the effort of sending it. I also think if you display things well it really helps push up the final price, so hang on hangers etc.
    It's such a faff though. I've got 2 bundles to do, but been putting it off....perhaps today is the day!
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • hannahroberts1985
    • By hannahroberts1985 1st Jul 16, 9:54 AM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Morning,

    Due Oct 14th

    Thanks for the tips. I really hate listing things on eBay and then to get next to nothing is so annoying. I have just sorted another wardrobe and another full bag of shoes. I think by the time I've sorted everywhere out I'll have lots my mum car boots most weekends so I may just go along with her one morning and sell it all off cheap. I'll probably end up with more than I would on eBay. X
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • ramblehan
    • By ramblehan 1st Jul 16, 10:58 AM
    • 389 Posts
    • 868 Thanks
    ramblehan
    Good plan - I'm not always convinced you get the best deal on ebay - I think if you are selling a car you do, but other stuff not so sure. Love car boots - that's a great idea.
    I'm thinking about doing some choice charity shopping and seeing if I can raise funds that way - we got a Ben Sherman 3 piece suit last week for £10 (great charity shops here!) which i am sure I could sell for more on ebay (except DH wants to keep it!!)
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • hannahroberts1985
    • By hannahroberts1985 1st Jul 16, 11:03 AM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Ha ha men. Let him keep one then sell two to make your money.

    My mum buys lots and sells it on it's like her little
    Hobby. She's convinced one day she'll pick up something worth millions.
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 3rd Jul 16, 8:13 AM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Morning Diary,

    More quite days here spent chilling and sorting more wardrobes and cupboards out.

    Few spends on ordering bargains I've seen online...but these are all presents I'd of needed to buy at a later date somive saved a fortune. I have 4 friends due babies within a few weeks of me. Madness!! I managed to get 7 presents (a couple of Christmas ones) and gifts for all the new babies for £50 mothercare have a big sale on, if I'd of waiting until the were born I would have had to drive 40 mile round trip to a shop and buy full priced presents so I've saved a fortune and feel all prepared too. Winner.

    Also Claire's accesories have bogof on 50%off times!! So another 4 Christmas presents ordered with delivery for £16!

    Then a frozen doll £11 with delivery reduced from £25 for my nieces birthday.

    Oooh also DP picked up my DS's click and collect bedding yesterday. He came home with massive box....they had put two table lamps in which weren't on the invoice 😄. They match our bedroom colour scheme so I'm taking it as karmas little gift to me for being good. We only had one lamp in the bedroom before so if I buy this a new shade it can go into DS's new bedroom! I've a big list of bits I want to buy /order for his room I'll make a start on this soon as really want it all sorting so I can transfer DS into his big boy bed.

    All purchases made using top cash back so I have about £6 in them at account now. I've been trying to do surveys on mint vine but find it very time consuming for little reward....

    So although lots spent it's all saving me money in the long run.
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • ramblehan
    • By ramblehan 3rd Jul 16, 9:13 AM
    • 389 Posts
    • 868 Thanks
    ramblehan
    Guilt free shopping lovely! shopping online is SO much nicer than trawling around the shops. Have a good Sunday x
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • hannahroberts1985
    • By hannahroberts1985 3rd Jul 16, 9:21 AM
    • 591 Posts
    • 937 Thanks
    hannahroberts1985
    Especially with a two year old who doesn't go in a pram!
    OD £0 Credit Card 0% £2212.20 Now:£732 Loan£4540.84 Now:£3571.98 Familyloan £900 Now:£1000 Next: £49Now £40 DFS £1017 Now:£556.29
    Total Debt June 2016 £8996.47 Now:£5799.65= 35%Down
    Savings:£1370 Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 581 Clear: 478 msescore:871/56%
    • Huskyrunner
    • By Huskyrunner 4th Jul 16, 12:35 AM
    • 540 Posts
    • 944 Thanks
    Huskyrunner
    Morning Diary,

    More quite days here spent chilling and sorting more wardrobes and cupboards out.

    Few spends on ordering bargains I've seen online...but these are all presents I'd of needed to buy at a later date somive saved a fortune. I have 4 friends due babies within a few weeks of me. Madness!! I managed to get 7 presents (a couple of Christmas ones) and gifts for all the new babies for £50 mothercare have a big sale on, if I'd of waiting until the were born I would have had to drive 40 mile round trip to a shop and buy full priced presents so I've saved a fortune and feel all prepared too. Winner.

    Also Claire's accesories have bogof on 50%off times!! So another 4 Christmas presents ordered with delivery for £16!

    Then a frozen doll £11 with delivery reduced from £25 for my nieces birthday.

    Oooh also DP picked up my DS's click and collect bedding yesterday. He came home with massive box....they had put two table lamps in which weren't on the invoice 😄. They match our bedroom colour scheme so I'm taking it as karmas little gift to me for being good. We only had one lamp in the bedroom before so if I buy this a new shade it can go into DS's new bedroom! I've a big list of bits I want to buy /order for his room I'll make a start on this soon as really want it all sorting so I can transfer DS into his big boy bed.

    All purchases made using top cash back so I have about £6 in them at account now. I've been trying to do surveys on mint vine but find it very time consuming for little reward....

    So although lots spent it's all saving me money in the long run.
    Originally posted by hannahroberts1985
    I will be honest with mint vine i binned using it, i found with mint vine i was continually getting booted outta surveys.

    try:

    yougov
    uktoluna.com
    globaltestmarket.com
    onepoll.com
    opinionoutpost.com
    populus

    theres a lot of survey sites that are too much hassle
    debts 16550
    Mortgage 69500
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

735Posts Today

6,028Users online

Martin's Twitter