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    • becca0417
    • By becca0417 10th Feb 14, 7:07 PM
    • 3,108Posts
    • 14,372Thanks
    becca0417
    MSE Pregnancy Club 28
    • #1
    • 10th Feb 14, 7:07 PM
    MSE Pregnancy Club 28 10th Feb 14 at 7:07 PM
    MSE Pregnancy Club 28

    Official MoneySavingExpert.com Insert:

    What's it about?

    Back in July 2006 Bailey started this thread to help all pregnant MoneySavers and their partners save on anything pregnancy-related plus give each other moral support. It's been hugely popular and now has a long list of pregnant mothers-to-be.

    Now it's not just for those that are pregnant but also those trying to conceive and MoneySavers that have probably already given birth and yet are probably too tired to let everyone know.

    What should you do?

    As well as being a great source of tips, baby-related bargains spotted, mutual support and help MoneySavers here have also gradually built up a list, adding themselves to one of these categories (the last one, people are moved to for obvious reasons!):

    EDD (Estimated due date if you're pregnant)
    TTC (trying to conceive if you're not) we now have 2 seperate threads for people TTC - 'Trying for a Baby' and 'Trying for a baby (12+ M/not straightforward)'
    Birth List
    Probably given birth but too worn out to log on list

    If you want to add yourself to the list follow these steps:

    Click on the link at the top of this page that says "Last" (it'll take you to the last page of the discussion)
    Scroll down until you find the message with the very latest copy of the list in (if you use one further up the discussion other peoples' changes after that will be lost)
    Copy that (highlight it and click control+c)
    Click reply at the bottom of the thread to open a screen where you can past it (click control+p)
    Add yourself to the list then click save
    And don't feel shy. Introduce yourself, say hello and ask a question if you need to.

    Plus, if you're thinking of how to cut down on nappy costs remember to have a read of the Nappy MoneySaving article too and for later down the line if you need childcare first read the Childcare Vouchers article.

    Also please don't forget that this is a public forum and anyone could be reading it. Don't let this put you off discussing anything personal, just please be aware that the people posting on the thread may not be the only ones reading (it may just be that these people, aka lurkers, are too shy to post).


    If you're new to the Forum it can look scattergun but read down and remember it's a conversation, starting with first post, scrolling forward for the latest. To reply you'll need to join the Forum but it's free to do.


    This is a continuation of this thread which will be closed due to it's length.
    Last edited by MSE Andrea; 08-09-2014 at 11:47 AM.
    First baby due 3/3/14 - Team Yellow! Our little girl born 25/2/14
Page 3
    • lushlifesaver
    • By lushlifesaver 11th Feb 14, 10:19 PM
    • 2,164 Posts
    • 17,207 Thanks
    lushlifesaver
    I have my 34 week appointment next week and the mw has said it will be used to 'introduce' birth plan stuff and discuss bits like that so it may be the same in your area? The one after we have to take a birth plan to for her to read it and go over it with us.

    Sorry to hear about the letting agent clolla- he sounds horrid!

    Nothing much new here, very tired and low work related motivated today. Manager seems to still be passing stone to me telling me to reduce my workload (grrr!) And the more I sit the girl who will be covering me 2 days a week whilst I'm off the less I want to and the less I want name going to anything to do with the procedures I've set up. Its little things but they are important in my role - grammar, spelling, telephone manner, self motivation...she seems lack in all of them. I was so frustrated today - I left early for an appt but she knew I had set certain tasks out for her in my desk so could have got in (she starts an hr before me) and got straight on with stuff but when i got in she was sat on 5pTwitter/instagram doing not much! Bah.

    Ah well, tomorrow marks the half way point of another week. Just 4.5 to go...unless I Chang emy mind and finish earlier (unlikely though) haha
    Perfect Princess born 26/03/14 <3
    • Kynthia
    • By Kynthia 11th Feb 14, 10:19 PM
    • 4,790 Posts
    • 6,785 Thanks
    Kynthia
    What happens at the 34 week midwife appt? The receptionist said it was a double one when I booked it, I know they do more bloods, from my notes it looks like they may discuss your plans about breast feeding, safe sleeping, support, that type of thing? And possibly birth plan?
    Originally posted by claire16c


    I've not had any bloods taken again since the 28 week ones. Also even though my notes say they will talk about all these things they don't. Each appointment has been urine, blood pressure, feel the baby's position, listen to the heartbeat and then ask how I'm doing. Then they give me advice about any issues I'm having and are very nice.
    Don't listen to me, I'm no expert!
  • mysecretalias
    What happens at the 34 week midwife appt? The receptionist said it was a double one when I booked it, I know they do more bloods, from my notes it looks like they may discuss your plans about breast feeding, safe sleeping, support, that type of thing? And possibly birth plan?
    Originally posted by claire16c
    Claire my notes say the only appointment they take bloods is your 28 week appointment and my midwife friend also said this, so they shouldn't take any blood at your 34 week appointment, it's probably a double one because of all the stuff they will discuss with you!
    Our first baby due 25th May 2014

    Maternity leave fund: £3000/£6000
  • claire16c
    Ooh I'm hoping I don't have to have a blood test then but I'm sure she said something about them re doing them all because she mentioned my border line anaemia might be gone by the next lot of tests and I have a feeling it says something in the notes - let's hope I get the same as you guys though and no tests! won't get my hopes up though.

    Lush that's so annoying I remember getting promoted in my old job & the person who took over my role was really bad with the things you mentioned and it drove me nuts as I often had problems if she wasn't there finding stuff etc as she hasn't done stuff properly, or people would still be asking me questions instead of her because they didn't trust her and I didn't have time to be doing 2 jobs!
    Mortgage deposit saving £20,497/£40,000
    Pay off car £787/5000
    Baby spending fund £952. Spent!
    • Luella-14
    • By Luella-14 12th Feb 14, 7:18 AM
    • 160 Posts
    • 465 Thanks
    Luella-14
    I finish work at the end of the month and they haven't found a replacement as yet! It's all a bit messy as a new structure is kicking in just as I leave so I'll have a new manager but my current one seems very reluctant to let me put a handover together.

    I have my 32wk scan today, very excited for it. The babies are starting to feel very heavy and a little uncomfortable so will be relieved to check all's ok and see what positions they're in as I'm getting kicks and bumps all over!

    I'm intrigued by these "notes" you all mention, mine have no details of upcoming appointments (other than time). I'm meeting with a MW for the first time tomorrow though that was at my request to discuss birth plan.
    • lushlifesaver
    • By lushlifesaver 12th Feb 14, 7:21 AM
    • 2,164 Posts
    • 17,207 Thanks
    lushlifesaver
    Just had a thought about maternity pay - I'm guessing we get a different tax code to reflect the fact our earnings drop and therefore we pay less tax each month. Anyone know if this is right? For me my monthly income drops by £600 which is just over half so I'm guessing my tax code would need to change to reflect this as my income for the tax year will be £3000+ lower....

    Going to investigate this and ask the finance woman at work today. Another reason to love the fact that baby is due just before the start of the new tax year!!
    Perfect Princess born 26/03/14 <3
    • Crabapple
    • By Crabapple 12th Feb 14, 7:40 AM
    • 1,477 Posts
    • 7,038 Thanks
    Crabapple
    claire16, I was thinking when I read your post that the only reason they might take blood is if they were already concerned about your iron levels. Sorry, they might well want to take some to check the anemia. I'm guessing you are on some sort of supplement so they'll want to check if it is working.

    Lushlifesaver - no your tax code won't change. Your tax-free personal allowance stays the same but as you will be earning a lot less (if anything) over it then you won't be paying much if any tax.

    Had a rubbish night, so glad I don't have work today! Once I've sorted out what should hopefully be the last bits of washing for baby, I'm off to bed again.
    • Crabapple
    • By Crabapple 12th Feb 14, 7:42 AM
    • 1,477 Posts
    • 7,038 Thanks
    Crabapple
    There used to be a tax allowance for children (dunno when it was abolished). My brother was born on the 5th April and my dad got a rebate for the entire year!
    • lushlifesaver
    • By lushlifesaver 12th Feb 14, 7:49 AM
    • 2,164 Posts
    • 17,207 Thanks
    lushlifesaver
    Will remind work to do whatever it is they may need to do then as otherwise I'll end up paying half a weeks mat pay a month in tax - they aren't always the most on the ball with tax/pay and any updates can often take a while to work down to accounts/finance so I will go to her direct to check!

    Bf is back tonight - looking forward to it although it does mean I have some work to do before he gets back otherwise it will look like I don't bother looking after myself or the house when he's away haha! They were also told yesterday that they were adding an extra day to their camp in March; bf wasn't impressed but my theory was that it's not too bad as its early in the month and I will still be working - if they had moved it to, say, the first week of my mat leave I would be less impressed haha
    Perfect Princess born 26/03/14 <3
    • Kynthia
    • By Kynthia 12th Feb 14, 8:22 AM
    • 4,790 Posts
    • 6,785 Thanks
    Kynthia
    Lushlifesaver, unless your current tax code is adjusted in anyway already I don't believe it will need changing. Do you have the standard 9440L, as that means you earn £9,440 a year before paying any tax?

    I got sent a new adjusted tax code for the first time time yesterday and I was straight on the phone to the HMRC to tell them to put it back as I no longer receive the income it relates to and my employment income will be halved this year. They agreed to do this and will resend it to my employer. Thinking about it though, usually our monthly income is taxed on the assumption that we will be getting that amount each month for the year. That isn't the case for most of us so I wonder how we change that or apply for a refund?

    Edit: I've just looked if up and your employer should balance it out through the payroll once you drop to SMP. Just check you P60 at the end of the year to be sure you've only paid 20% on earnings above £9440 (or more if you managed to enter the 40% tax level of earnings).
    Last edited by Kynthia; 12-02-2014 at 8:36 AM.
    Don't listen to me, I'm no expert!
    • BadlyWrittenPoem
    • By BadlyWrittenPoem 12th Feb 14, 8:46 AM
    • 518 Posts
    • 3,124 Thanks
    BadlyWrittenPoem
    Ooh I'm hoping I don't have to have a blood test then but I'm sure she said something about them re doing them all because she mentioned my border line anaemia might be gone by the next lot of tests and I have a feeling it says something in the notes - let's hope I get the same as you guys though and no tests! won't get my hopes up though.
    Originally posted by claire16c
    When I've been anaemic, they've rechecked at around 34 weeks.
    • Birdie85
    • By Birdie85 12th Feb 14, 11:47 AM
    • 9,283 Posts
    • 40,048 Thanks
    Birdie85
    Awww big hugs for being emotional Becs. Hope the offer is accepted, if not, it's for bigger reasons than are clear to you right now!

    Nice that your BF is back today Lush. Hope you make the place look OK by the time he gets home! My OH is convinced I don't look after myself when he's not around so I totally get the last minute panic clean and shop before he's due back!

    To all the ladies with rubbish replacements/no replacement yet- I feel your pain! The last thing you want to be worrying about in your last weeks is training someone new and thinking 'Argh, this is going to be a disarrrrrrster!' At least if the replacement isn't very good you'll be welcomed back with open arms! Think I'd rather a crummy replacement than someone loads better than me that makes them want to get rid of me when I go back!

    No movement for me. I'm just a much better place to be than the cold, noisy, bright world, obviously! I'm starting to think that I shouldn't have been so dismissive when people said 'Ooooh could be a Valentine's baby' as I bet he'll come on Friday just to spite me!
    Overcome the notion that you must be ordinary. It robs you of the chance to be extraordinary!
    Goal Weight 140lb Starting Weight: 160lb Current Weight 145lb
  • mysecretalias
    Aw becsxxx so sorry to hear that we had the same dilemma with ours as we were told there were two others interested in it. Thankfully we could afford the asking price (it's one of the reasons we only viewed places several grand under our budget) but it was touch and go about whether we would get it, and it was a little annoying because we originally wanted to save a bit of cash by offering 5k under!

    Our mortgage adviser told us if it's meant to be it will be, if not then there's something else out there for you.... Probably doesn't help but it made us a little calmer bearing that in mind!! He also happens to be OHs good friend and a lovely guy so we trusted in him.

    I've got my fingers crossed for you

    Random question of the day for me today - I'm sat at home again as I'm working from home for the second day due to my hip pain. The last few minutes I've suddenly become VERY dizzy and lightheaded. I'm sat on my bed so I've not even moved in an hour (I know sometimes moving too quickly can make you dizzy)

    I'm a little worried, has anyone else had this and what could it be? I'm literally sat here feeling like the room is spinning
    Our first baby due 25th May 2014

    Maternity leave fund: £3000/£6000
  • sjlou
    aaaaaaaaaaaarghhhhhhhhh. emotional wreck today as we've put our best offer in on the house we love but think we have lost it as another couple have gone in at the asking (which we can't afford).

    cried for about 2 hours last night about it and then was woken up throughout the night with leaky boobs again!!!!!! ridiculous.

    have my 25 week MW appointment tomorrow and imagine it's just a quick check up? will be getting a new MW though as we've moved areas (once already!) since I last saw one.
    Originally posted by becsxxx
    If it's meant to be it'll happen. I remember getting all emotional when the house we asked to view had just sold. I'd been convinced it was "the one". We found a much nicer, better priced house no long after.

    Don't forget to ask for your mat1b form at your week 25 appt. it'll just be your standard checks, blood pressure, urine sample, babies heart beat etc.
    Mini me due March 2014
  • sjlou
    Just had my wk 34 appt. good job I asked about looking round the mlu, as apparently I should be booked in for a risk assessment there when I'm 36 wks! Errr nope!
    So at least I've got that booked now, although oh will have to cancel a days work to come with me. Once you pass the risk assessment you then get shown around.
    MW also then booked me in with her for 37 wks to go through a birth plan with her.

    All feeling so real now!!

    Headaches are still here, but I think it's developing into a cold now. So will prob be back to work, although boss said take all week off if I need it.

    Mysecretalias - could it be that you've been sat on a nerve/ blocked an artery whilst you've not moved? Try lying on your left side to see if it eases.
    Mini me due March 2014
    • chelseablue
    • By chelseablue 12th Feb 14, 12:17 PM
    • 1,986 Posts
    • 2,448 Thanks
    chelseablue
    I've not received my MAT B1 form yet

    Can I ask for it at my 28 week appointment?
    Baby Boy born May 2014

    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
  • sjlou
    I've not received my MAT B1 form yet

    Can I ask for it at my 28 week appointment?
    Originally posted by chelseablue
    Yes, you should have it now. There's a deadline for giving it your your employer I think. Just googled and it's week 25 you need to hand it in.
    Last edited by sjlou; 12-02-2014 at 12:20 PM.
    Mini me due March 2014
  • cllola
    MSA - yes i had this dizzyness last night - i usually only get it when standing but i had been sitting down for ages. I just relaxed and it passed, maybe eat a biscuit or something it may be blood sugar being low?

    MATB1 - ive not had a midwife appt since 16 weeks and wont have one until 28 weeks so i just phoned the drs surgery and asked them to ask the midwife to fill it in for me and i picked it up from reception so that may be an option if you need it sooner and dont particularly need an appt.

    We are meeting with the landlord tonight. DH phoned him earlier to arrange and apparently LL said he wanted to sort the issue out, whether that means kicking us out or resolving things and keeping us i have no idea. I assume it would be in his interests to keep us, we arent bad tenants, have never missed a payment, we keep everything clean and well maintained so they have no reason to complain about us apart from them being unhappy about us complaining...If that makes sense lol!

    We are hoping to bring forward buying a house to within the next few months with the help of FIL. It may well mean we are moving house at the same time as having a baby but after all of this malarky i just want a house i cant be kicked out of with 2 months notice and i'm past caring about bad timing! We will just have to deal with it!
    Pink Bump due 29th May 2014
    March G/C - £217.50/£200. April G/C - 180/£200. May G/C - £150/£200
    Debts to go - Next - £444. Halifax - £1,320. Barclaycard - £4,600. DFS £555.
    • samtoby
    • By samtoby 12th Feb 14, 12:32 PM
    • 2,356 Posts
    • 11,917 Thanks
    samtoby
    Well it's a different start of the day for me!

    Felt if bit odd the last couple of days but just put it down to work and getting bigger but today it's got a lot worse. I am out of breathe and I have an odd feeling in my hands and my feet. I have an increased heart rate think it's called tachycardia.

    I am awaiting an ECG and bloods to rule out what it is. Blood pressure is slightly up too x
    DS 18.06.2004 --2013-- 2.05.2014
    E-Bay Power Seller - Amazon Seller, Etsy Seller
    Sealed pot challenge number - 261
    £0/ £4,533.47 0% 28th April 2014
    4kw Solar PV system with Immersun
  • claire16c
    I finish work at the end of the month and they haven't found a replacement as yet! It's all a bit messy as a new structure is kicking in just as I leave so I'll have a new manager but my current one seems very reluctant to let me put a handover together.

    I have my 32wk scan today, very excited for it. The babies are starting to feel very heavy and a little uncomfortable so will be relieved to check all's ok and see what positions they're in as I'm getting kicks and bumps all over!

    I'm intrigued by these "notes" you all mention, mine have no details of upcoming appointments (other than time). I'm meeting with a MW for the first time tomorrow though that was at my request to discuss birth plan.
    Originally posted by Luella-14
    It's just the notes you take to each appt and they fill in heart beat, blood pressure etc

    And at the booking in appt there was a load of stuff to answer that was in the same book of notes too.

    Normally it's just one line they write but it's got all these pages to fill in for 34. Mine has almost run out of paper I've had so many issues for them to write about!

    Who have you been seeing if you haven't seen a midwife yet?

    claire16, I was thinking when I read your post that the only reason they might take blood is if they were already concerned about your iron levels. Sorry, they might well want to take some to check the anemia. I'm guessing you are on some sort of supplement so they'll want to check if it is working.

    Lushlifesaver - no your tax code won't change. Your tax-free personal allowance stays the same but as you will be earning a lot less (if anything) over it then you won't be paying much if any tax.

    Had a rubbish night, so glad I don't have work today! Once I've sorted out what should hopefully be the last bits of washing for baby, I'm off to bed again.
    Originally posted by Crabapple
    Oh no I might get jabbed then.

    When I've been anaemic, they've rechecked at around 34 weeks.
    Originally posted by BadlyWrittenPoem
    Great!

    Yes lush you don't need to do anything you'll get the new tax code for 2014/5 and be allowed to earn the normal tax free allowance before paying any tax so on smp that's nothing if you haven't earnt anything else that tax year and chances are our babies will be coming around the start of the tax year!

    Msa if you still feel like that in a while perhaps call the dr? When I've had stuff like that before it's always du to my ears but I'd get it checked if it doesn't normally happen to you especially incase it's pregnancy related.

    Ugh just started raining here and I have to leave in 30 mins.
    Last edited by claire16c; 12-02-2014 at 12:48 PM.
    Mortgage deposit saving £20,497/£40,000
    Pay off car £787/5000
    Baby spending fund £952. Spent!
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