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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 718Posts
    • 1,041Thanks
    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


    If you haven’t already, join the forum to reply!
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    Last edited by Former MSE Jessica; 18-04-2017 at 2:48 PM.
Page 3
    • hannahroberts1985
    • By hannahroberts1985 4th Jul 16, 6:59 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Thank for the advice Huskyrunner. I'm currently on a one poll mission! Roll on the £40!!

    Soooo lots of money spent today. £150 ish that's almost everything we need to decorate DS's big boy room and re paint the nursery. We'll be taking the money from our savings but while I have this time off work I want to get DS transferred to his big boy room incase there is a period of unsettled ness. I can't handle full time work while 7 months pregnant on no sleep!! I used top cash back where I could and we managed to get £5 discount on the cabinet we brought as it had a chipped corner but this was on the inside back anyway. DP has started decorating today but had to stop to head out to collect the bed I brought of eBay. I've put the sofa bed we had in the play room up for free on a few Facebook groups so hoping someone will come and take that off our hands in the next day or two. If not I think you can pay the council to take them. It's a good quality DFS one that we got as a bargain of eBay 2 years ago but it was totally the wrong material to have with a cat so Our car has clawed the arms and she's a white cat and the sofa is red so it's a bit hairy too. Hoping someone can make use of it though. I'm majorly nesting and need the room decorated and ready yesterday poor DP keeps saying yes to everything I ask. He's picked up an extra shift tomorrow though good for money but annoying he can't crack on with the room. We were out shopping 10-1 as usually we'd go for lunch if we were out and about and would normally spend about £30 we were behaved today though needed milk so popped to the supermarket and brought bread rolls so we could make a quick sandwich lunch when we got home. Also we both wanted a bottle of pop but decided to get a big bottle for £1 and chill it here instead of paying £2.50 for two small ones to drink straight away. He's a good influence on me.

    I've a few bits and bobs planned this week I'm seeing my dad Thursday normally he'll take me for lunch or I'll invite him here to cook as he knows I can't really afford to buy him lunch back. I've arranged a day out with his dogs as the weather looks nice so it'll wither be the beach or a park for a picnic both quite cheap days. Then sat I'm meeting my sister and niece we have tickets to return to Lincoln castle, prison and castle walls for free as we went last summer. The castle currently have the Poppy's on display too. She is 7 months pregnant and being good with money too so we said we'd picnic then have ice cream as a treat. Then Sunday I'm going out for afternoon tea for a friend Hen do I couldn't make the big nights out as I was on holiday (I was quite happy as clubbing is my worst nightmare right now!) hoping to not go over my £50 pocket money budget this week. If I'm carful I think I can manage it all.

    Right best get this child in bed In the night garden has finished. X
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • hannahroberts1985
    • By hannahroberts1985 5th Jul 16, 6:20 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Quick check in here. Not much to report stayed in all day so no money spent ��. I have been eyeing up a nice lamp for the next room though but haven't cracked yet! This nesting sensation and being frugal arn't meant for each other. I'll keep cleaning to keep it at bay!

    Someone coming to collect the couch in the morning whoop whoop that's saved us paying to have it taken away. X
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • rexelpink
    • By rexelpink 6th Jul 16, 9:04 AM
    • 115 Posts
    • 431 Thanks
    rexelpink
    Hi just popping in to say hello,

    Sounds like things are going well, and you have been really busy.
    Don't forget to put your feet up and rest as well xxxx
    Staring debt - June 2013 - £21,000
    Current debt - April 2017 - £11,697

    Emergency fund £500 / 100%

    Debt free one day at a time
    • hannahroberts1985
    • By hannahroberts1985 6th Jul 16, 1:20 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Hey diary quick check in while I put my feet up for 5.

    Just back from the food shop just a small top up shop £38 in aldi and I spend £3 on card and a scalpel for the decorating. That's the food/petrol account pretty much wiped out until I get paid on the 15th. I think the food should last bar bread and milk and I may need to put a little petrol in the car depending on how much I plan to do next week but will budget that out of my pocket money if it's needed.

    Sofa bed gone and DP has been up painting all day before he heads to work about 3 I'm going to get DS down for a nap and give him a hand for a bit then tonight I will have a early pj night and watch a chic flic.
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • reality_check
    • By reality_check 6th Jul 16, 3:48 PM
    • 614 Posts
    • 1,177 Thanks
    reality_check
    My pay day is the 15th I am forever longing for that date!!

    You are def in nesting mode - I am tired just reading that never mind being nearly 6 months pregnant xx
    • hannahroberts1985
    • By hannahroberts1985 6th Jul 16, 5:21 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    I want it to be the 15th but then I don't as I'm on holiday until 1st so sobt want to wish my time away....I do reallllly want this wall lamp for the new room through! This nesting is making me crazy!!
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • Huskyrunner
    • By Huskyrunner 6th Jul 16, 5:49 PM
    • 540 Posts
    • 953 Thanks
    Huskyrunner
    where have you seen this lamp then pop up a link lol

    i am curious what is looks like Hannah (aka nester) lol


    think positive time off equals surveys☺
    debts 16550
    Mortgage 69500
    • hannahroberts1985
    • By hannahroberts1985 6th Jul 16, 5:55 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    https://www.amazon.co.uk/gp/aw/d/B01C77WU0Q/ref=mp_s_a_1_1?ie=UTF8&qid=1467824030&sr=8-1&pi=SY200_QL40&keywords=up+in+stars+light&dpPl=1& dpID=41tJbdzb2kL&ref=plSrch

    Ha ha thinking maybe I could buy it with survey point is I crack on. The thing with amazon is with the free delivery if I buy it I might as well spend £20!
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • ramblehan
    • By ramblehan 6th Jul 16, 6:18 PM
    • 396 Posts
    • 920 Thanks
    ramblehan
    Nice!
    amazon are sooo crafty!
    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 6th Jul 16, 6:27 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Ha ha I know! To be fair my basket has £300 worth of things I need/want for the baby!!! I went crazy last time I was nesting brought DS a £70 lamp. It would appear I have a thing for lamps! Also I spent over £100 on Jelly Cat teddys to go with his animal themed room!! I must behave and stop looking for pretty things!!!
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • Huskyrunner
    • By Huskyrunner 6th Jul 16, 7:48 PM
    • 540 Posts
    • 953 Thanks
    Huskyrunner
    haha 12 quid sign upto a survey site called isay andbuild upto a tenner amazon voucher or save up some opinion outpost vouchers job done ��
    debts 16550
    Mortgage 69500
    • hannahroberts1985
    • By hannahroberts1985 6th Jul 16, 7:55 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Thanks for the advice I'll get on it...I have a cracking headache tonight though so can't be staring at my phone. It's nearly bedtime for me here I'm struggling today.
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • curlytop12
    • By curlytop12 7th Jul 16, 7:16 PM
    • 1,077 Posts
    • 1,159 Thanks
    curlytop12
    https://www.amazon.co.uk/gp/aw/d/B01C77WU0Q/ref=mp_s_a_1_1?ie=UTF8&qid=1467824030&sr=8-1&pi=SY200_QL40&keywords=up+in+stars+light&dpPl=1& dpID=41tJbdzb2kL&ref=plSrch

    Ha ha thinking maybe I could buy it with survey point is I crack on. The thing with amazon is with the free delivery if I buy it I might as well spend £20!
    Originally posted by hannahroberts1985


    HERE ON EBAY, FREE DELIVERY £12,99


    80AAOSwc1FXYWi V">http://www.ebay.co.uk/itm/LED-LIGHT-UP-WHITE-WOODEN-STAR-UP-IN-LIGHTS-GREAT-GIFT-5-OFF-3-OR-MORE-/331891097481?hash=item4d46403f89:g80AAOSwc1FXYWi V
    • hannahroberts1985
    • By hannahroberts1985 7th Jul 16, 8:05 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Ha ha curlytop your a bad influence!! Thank you. I'm going to maybe wait for cash back or try not spend all my picket money one week to buy it.

    So day out no1 of three this week. We went to a nature park that has a nice big sand area and indoor play all free. My dad came round in the morning and hung two shelves and a blind so after our picnic I brought cake and tea £9 and parking was £2. I have £39 left for my castle visit and afternoon tea Sunday. I can do this! I'm at the hospital in the morning for my glucose test. It'll be a 3/4 hour visit so I'm going to try find somewhere free to park and walk in. Then take a sandwich in my handbag for after. I could easily pay £6 parking then £4 on food after but I will behave.

    X
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • hannahroberts1985
    • By hannahroberts1985 8th Jul 16, 5:01 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Afternoon diary,

    Shattered today alarm was set for half 6 for my hospital appointment. I spent £3.85 on a new book on the way. Just finishing the stencilling in DS's bedroom then it'll be all done. I found a set of fairy lights in a draw so have hung these around the curtain pole instead of the night light for now....we'll see how it all looks when finished. X
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • hannahroberts1985
    • By hannahroberts1985 8th Jul 16, 8:00 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Soooo my sister is sick so tomorrow is cancelled. Gutted we miss out on a fun day but to be honest I'm sooo tired after this weeks decorating a day in and sorting the rest of the house that has been neglected would be lovely. Plus I get a lie in now whoop whoop...and won't spend any money too!
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • Huskyrunner
    • By Huskyrunner 8th Jul 16, 8:57 PM
    • 540 Posts
    • 953 Thanks
    Huskyrunner
    ahhhhh but that lamp is saying buy me buy me buy me lol
    debts 16550
    Mortgage 69500
    • hannahroberts1985
    • By hannahroberts1985 8th Jul 16, 9:11 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    The fairy lights have done the trick. We're still stencilling so when that's done I'll see how it all looks together. I think I'm over the lamp now.
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • ramblehan
    • By ramblehan 9th Jul 16, 9:50 AM
    • 396 Posts
    • 920 Thanks
    ramblehan
    I think I'm over the lamp now.
    Originally posted by hannahroberts1985
    Very MSE!
    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 9th Jul 16, 2:25 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    It's DP's birthday next week too so I'll save my
    Money. He doesn't want presents or anything he's not really one for stuff. I'm going to see if a grandparent can come baby sit so we can go to the cinema and out for dinner.

    Lazy day into day I had a lie in until 9.30 am. Whoop Whoop! Just having a brew and a chill while DS naps.

    X
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
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