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, 8:18 PM
    • 592Posts
    • 938Thanks
    hannahroberts1985
    Debt-Free wanna be vs Maternity pay. Determined to stay on track.
    • #1
    • 15th Jun 16, 8:18 PM
    Debt-Free wanna be vs Maternity pay. Determined to stay on track. 15th Jun 16 at 8:18 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 2:04 PM.
Page 21
    • hannahroberts1985
    • By hannahroberts1985 20th Mar 17, 11:38 AM
    • 592 Posts
    • 938 Thanks
    hannahroberts1985
    Thanks you nkkingston this fills me with hope as we're doing ok disposable income wise and the £1000 payoff will help 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/£20,000 = 6% Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 599 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 22nd Mar 17, 6:02 AM
    • 592 Posts
    • 938 Thanks
    hannahroberts1985
    Morning,

    So I'm skint already! I've had new clothes, new make up and new hair and brought a spa day for my mum for Mother's Day and that's wiped out a lot of my pocket money. £100 in my purse but the lady is coming to do my hair today it's £55 for mine then ds's then I'm out for dinner tonight with friends so hoping I have some change at the end of the day. £60 in pocket money account to last nearly 4 weeks oops and I have half term! Going to try make my money last but we will see I have soft play planned Friday hoping I can have enough cash left from today to pay for this and lunch. That will leave £20 per week to entertain DS. The weather has picked up a bit so maybe I can plan some outdoor parks visits etc. We went with our neighbour and her kids for a walk round the woods yesterday and it was lovely and we didn't spend a penny so hopefully the weather stays dry.

    We have booked prezzo Sunday for Mother's Day lunch with my mum we have £40 Tesco vouchers so hopefully we won't need to pay much more.

    Eon wanted to up my dd from £80 to £120 as there is a bit off a shortfall on the account. I think because I switched before winter there wasn't the cheaper summer months tonhave a bit saved up so I called and lowered it to £90 and WILL use the washing line when I can!!! I promise!!

    One of our eBay lots sold for £100 this covered the £90 comedy gig tickets for December we should have saved this but he's one of our favourite comedians so thought we'd treat ourselves after cancelling the last one. Feels good to have a few grown up nights out planned even if they aren't for a while yet. I relisted the second lot with a lower reserve as I don't think it's worth as much as we initially thought :0( need to keep some money aside for the eBay fees I always forget about.

    Lots of food in I just need to make a meal plan dp has been poorly the last three days so I've just been having toast or soup for dinner as can't be bothered to cook for just me. I'll soend some time in the kitchen today and rejig the meal plan and freeze anything that needs to keep a bit longer and see what fresh I need to complete the meals.

    Think that's all for now. Super excited to get my hair done. I haven't had a change for years. 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/£20,000 = 6% Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 599 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 22nd Mar 17, 6:03 AM
    • 592 Posts
    • 938 Thanks
    hannahroberts1985
    Oohhh also still no word from work re extra mat pay :0( I've kinda lost hope that I'll get anything. Still secretly hoping though 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/£20,000 = 6% Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 599 Clear: 478 msescore:871/56%
  • E.ON Company Representative: Helena
    Morning,


    Eon wanted to up my dd from £80 to £120 as there is a bit off a shortfall on the account. I think because I switched before winter there wasn't the cheaper summer months tonhave a bit saved up so I called and lowered it to £90 and WILL use the washing line when I can!!! I promise!!
    Originally posted by hannahroberts1985
    Morning hannahroberts1985 I hope you don't mind me popping in on your thread

    I just noticed this bit and thought I could help a little.

    If you would like to have an online account you can register for one of the website.

    This will then let you use the Direct Debit manager tool. If you pop some meter reads on, you can adjust your own Direct Debit amount by up to or down by 20%. It gives you the control over your own payments and saves a phone call.

    If you don't put any meter reads on, then you can change the payments by 5%.

    There's lot's of stuff you can do on the online account that may help you, track your usage, produce a real time bill or balance so you know exactly where you are, etc.

    If you need any help with any of it, just shout up, I'm more than happy to help you.

    Thank you

    Helena
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • hannahroberts1985
    • By hannahroberts1985 23rd Mar 17, 10:09 AM
    • 592 Posts
    • 938 Thanks
    hannahroberts1985
    Thanks Natalie I have an online account didn't realise you could adjust dd online.

    The washing is out on the line today. First time this year I will use it as much as I can but sometimes the washing just piles up so much with the two little ones the dryer is such a help.

    £10 left in the purse from yesterday so I will try make this cover soft play and lunch tomorrow. Then it'll be £20 per week for the next three weeks. Lets hope it stays dry for loads of outdoor play dates. 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/£20,000 = 6% Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 599 Clear: 478 msescore:871/56%
  • E.ON Company Representative: Helena
    Thanks Natalie I have an online account didn't realise you could adjust dd online.

    The washing is out on the line today. First time this year I will use it as much as I can but sometimes the washing just piles up so much with the two little ones the dryer is such a help.

    £10 left in the purse from yesterday so I will try make this cover soft play and lunch tomorrow. Then it'll be £20 per week for the next three weeks. Lets hope it stays dry for loads of outdoor play dates. X
    Originally posted by hannahroberts1985
    No worries, I'm always here to help you, if you need me

    Helena
    Official Company Representative
    I am an official company representative of E.ON. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
    • hannahroberts1985
    • By hannahroberts1985 25th Mar 17, 8:35 AM
    • 592 Posts
    • 938 Thanks
    hannahroberts1985
    Spent to much at soft play £13 total on card so will have to use cash another time.

    I have shingles. It's itchy and achy and I think it's bothering my tummy too as I was sick after dinner and have the worst pain in my stomach, but it lasts 2-4 weeks so I'm going to suck it up and not let it ruin a month of my mate leave.

    Probably save me some money on food and outings.

    Ordered a couple of presents in the sales this morning so money moved from relevant savings account to cover this.

    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/£20,000 = 6% Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 599 Clear: 478 msescore:871/56%
    • hannahroberts1985
    • By hannahroberts1985 26th Mar 17, 5:47 PM
    • 592 Posts
    • 938 Thanks
    hannahroberts1985
    We cancelled the table at the restaurant as I realised you can't use clubcard boost vouchers on Mother's Day. If I'm spending actual money I'd rather it be on something worthwhile.....not just pizza. So we cracked open our sealed jar as we have no spare cash at the moment and it had £130 in and we headed to the seaside for the day with my mum. I'd say £50 spent in total but we've had a lovely day rides for DS, arcades, lunch, ice cream and tea and donuts. DP is booking a couple of days off for easter so I'll see how much is left and plan a couple more days out.

    Soooo DP has done really well at work this month so next months pay check sound be really good. It's made me actually think saving for a mortgage is achievable. So signature edited a little my aim is for £20000 savings to cover fees and deposit etc. As you can probably tell from my signature I like goals and seeing what progress I've made. Each £200 saved is 1% each right. So we just have to save £200 another 94 times! I think this will help me cut back on take aways and maybe motivate me to do kit days and maybe a car boot etc as each £200 earnt is another % down instead of just money in a quite empty pot. Going to see if DP wants to cut our pocket money by £25 each a month we live quite comfortable and each out/take away a few times a month and have days like today every so often. If we had planned a little more and thought about it today could have been just as fun for half the price. Maybe a trial month next month and see how we go. If it takes two years to save this amount £25 each a month would = 6% I know I'm waffling on but it makes sense in my brain and I need to stay excited about it to keep me motivated.

    Think that's all for now off to enjoy our evening now the kids are tucked up. 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/£20,000 = 6% Car fund:£0 Xmas fund £70.25 B/day £95 DP bday £110.46
    Noodle: 599 Clear: 478 msescore:871/56%
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

139Posts Today

1,305Users online

Martin's Twitter