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  • FIRST POST
    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 751Posts
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    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 21
    • hannahroberts1985
    • By hannahroberts1985 20th Mar 17, 12:38 PM
    • 751 Posts
    • 1,067 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
    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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 22nd Mar 17, 7:02 AM
    • 751 Posts
    • 1,067 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
    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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 22nd Mar 17, 7:03 AM
    • 751 Posts
    • 1,067 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
    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:961/61%
    Family loan £7000/£6625
  • 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, 11:09 AM
    • 751 Posts
    • 1,067 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
    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:961/61%
    Family loan £7000/£6625
  • 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, 9:35 AM
    • 751 Posts
    • 1,067 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
    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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 26th Mar 17, 6:47 PM
    • 751 Posts
    • 1,067 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
    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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 27th Mar 17, 6:15 PM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Small done today £25 I looked through and mad a meal plan and just needed a few bits and bobs. Went to co-0p and also grabbed the £5 deal which will do us for a treat nights instead of caving and getting a take away when dp gets paid. Also needed s bottle of wine to donate to the school fair. Should have enough food to last until next Monday now and will try do similar next week as no more money in the food account until 15th. We have a full freezer and cupboards I just need to plan instead of cooking the same 7 meals I normally do. 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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 27th Mar 17, 6:17 PM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Only plans this week are to head to a fair at ds'a school Wednesday evening. Other than that think I need a quiet one with walks and garden plan. I'm sooo tired need to stock up on energy a bit. 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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 29th Mar 17, 9:28 AM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Morning quick pop in while getting ds2 down for his nap. DP got pod yesterday and we are a little short maybe £100 not sure how but I messed up my account and didn't budget for my phone bill and then DP didn't get paid as much as I though he would so we shall see how we go. No money in food account so I will need to make a small top up list like I did this week to see us through to pay day. We are in a much better position than last mat leave though so need to stay positive. We have money in savings iniust really don't want to use it. We shall see...

    Still no word from payrol re the extra pay :0(. Hoping that they need to sort it by the end of tax year and they will send it out soon. That's if I'm due anything.

    Dp's day off today he need to pop to the doctors for blood tests then we were meant to be sorting the garden but it's rained all night. Ds's easter fair at school tonight so that'll be my purse money gone but should be a nice little trip out for DS1 who is always hype after dinner so wish me luck! 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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 30th Mar 17, 4:47 PM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Not much to report but been thinking about money a lot today so thought I'd pop in.

    Ds's fair was good fun. Cash from my purse all spent. £43 left and two weeks tomorrow until payday. The weather is looking good so that's a plus. We've planned a trip to meet the mil at twycross zoo we will use the cash left over from the money pot. Think I'll make a picnic to take as we usually have to pay for mil too so that's an extra entry ticket plus food we just don't have to disposable income for that. Then I'd like to do another day out to a kiddys theme park near by but the place is £45 entry so we shall see.

    DP has done sooo well this month next months payday is going to be amazing!! I need to pretend it's not though or I'll be spending it before we have it! I need to keep thinking of this £200=1%!! We should be able to save £800+ from his wages next month!!! 4% whoop! That's if I don't spend it before we have it ha ha!!

    Think that's all really. X
    • hannahroberts1985
    • By hannahroberts1985 1st Apr 17, 9:50 AM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Morning,

    Nsd yesterday it was lovely and sunny so spent the day in the garden and at the park. Same again today weather permitting.

    I checked TopCashback and had £26 payable to I've withdrawn this to help bridge the gap this money with bills. Fingers crossed savings won't need to be touched.....we shall see.

    Been looking into 5% mortgages it seems they are a lot more common these days. Maybe a mortgage could happen sooner than we had hoped. Again we shall see. When we have around 5% I think we will go see a mortgage advisor and see what they think best.

    Right best go put a sleeping ds2 down and entertain DS1 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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 1st Apr 17, 9:56 AM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Note to self: next payday set up a good and petrol tracker!! We always go over and I need a better reflection so I know if I'm budgeting correctly!!!
    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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 1st Apr 17, 7:38 PM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    I spent some money oops! £24.99 I found an absolute bargain of a sandpit for DS £13.99 plus delivery and it's a nice big wooden one with a cover then £10 on sand from Tesco with free delivery. Too good a deal to miss out on.....I was googling sand as he needs some for his sand table and got carried away. Oops 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:961/61%
    Family loan £7000/£6625
    • hannahroberts1985
    • By hannahroberts1985 4th Apr 17, 11:41 AM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Quick check in while feeding DS 2.

    Horrible stiff neck today in struggling big time. Feel like crying. It's a side effect from the shingles I've had it a few times now it normally lasts bad for a few days then eases off. It can apprently come on and off for up to a year so I best learn to deal with it. Luckily today is a stay at home day so I can take it relatively easy. DS1 spent yesterday at my dads helping him garden and he is still shattered today so hoping he has a big nap for me.

    Dentist appointment last night my gums are improving but I need a filling now. It's a lower back tooth I can get he work done one the NHS free but I'm going to pay to get the white filling done privately. If it was the top I wouldn't mind so much but i think the money is worth it for a bottom on you will see all the time. £120 I think she said this is booked in for middle of may.

    £10 spent into a betting account as we had a few glasses of wine the other night and I was ripping DP for never winning so hoping I get lucky ha ha!

    £30 left until payday. Two days out planned this week both parks so I'll take picnics and maybe just soend on ice creams.

    I need to go shopping tomorrow I've made a list of bits we need to last until next week.

    Chased Amazon up on a couple of refunds I'm waiting on for item that never arrived. Only about £10 total but it's he principle more than anything.

    I've sold ds's bouncy chair as he doesn't use it my friend wanted it so I need to message her and arrange dropping this round on one of my days out.

    Dp's day off tomorrow and the sandpit arrived this morning and the sand yesterday so we can have a day sorting the garden and building that.

    Think that's all 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:961/61%
    Family loan £7000/£6625
    • Lau0707
    • By Lau0707 5th Apr 17, 8:20 PM
    • 73 Posts
    • 372 Thanks
    Lau0707
    Evening,

    over the past two days i have actually read every post on here you have done following your journey has been amazing and your dedication to money has been inspirational. I currently have 2 little boys (4 and 2 and a half, and due my 3rd son in September) its defiantly put a lot into perspective for me, and over the past two days have managed to save £250, just goes to show it can be done. Thanks Hannah :-) xxxx
    • hannahroberts1985
    • By hannahroberts1985 5th Apr 17, 8:34 PM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Hey, Lau thank you for reading and posting. Nice to know I'm not just rambling along to myself even if that helps keep me on track. Have you strayed a diary? Congratulations on your third boys are lovey aren't they. Soo you must be 4 months in the lovely middle trimester with a cute little bump just popping out? Ahhhhh I'm getting broody just thinking about it.

    I spend £65 popping into Aldi today.....big oops!!!! But in my defence I got lots of bits for picnics on our days out next week and a few BBQ bits for the weekend and the weather looks amazing. Got some cartons of juice etc which I don't normally buy but I HATE paying £1.50 for a blinking fruit shoot so in the long run it'll save me money. Also a cheeky bottle of wine. Life is for living too right! I did feel guilty spending it though so that's something right. Lunches and snacks packed for tomorrow it should be £2 parking then a couple of pounds on ice creams. 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:961/61%
    Family loan £7000/£6625
    • Lau0707
    • By Lau0707 6th Apr 17, 9:31 PM
    • 73 Posts
    • 372 Thanks
    Lau0707
    No worries it was an interesting two days, and opened my eyes to a lot. I havent started a diary, as in terms of debt I don't think there is much now. I have wiped 13k in 10 months, hard work! and we recently took a small loan out from my bank to shut every last credit card/account/overdraft down, and now paying back £150 a month for a few years instead of £560 a month! Cannot believe the amount of interest we were paying. I am 17 and a half weeks now, i literally had a bump the minute i got a positive test- ha ha. My husband and I are soooooo excited. Love being a mummy to boys.

    I spent £33 yesterday in Aldi on shopping, £20 weekly petrol. Today, we went to the local wildlife park, and I took our own picnic- didn't pay for entrance as i pay £7 a month for unlimited visits. And then treated the boys to ice cream, and my oldest spent £7 of his birthday money in the shop. BBQs always make my food bill more expensive, we always seem to buy stuff we wont use after a BBQ! Buying fruit shoots or drinks is a nightmare isn't it! Ive started taking the boys juice in their bottles now. at least you bought lots of food, and snacks! holidays are always a killer so just think how much you would save on eating out :-) Quiet day for me tomorrow as the boys are at nursery for the day, so hopefully no money to spend hahah. xx
    • hannahroberts1985
    • By hannahroberts1985 7th Apr 17, 8:38 AM
    • 751 Posts
    • 1,067 Thanks
    hannahroberts1985
    Wow well done you! I can't wait to be in the lovely debt free stage. Are you more on here to keep spending in check while on mat leave? I've learnt so much about managing money the last few years. They really should teach it in schools.....but then we wouldn't make all their banker friends money would we! It's so nice being able to get outside with them isn't it. DS1 does so much better with a bit of space he gets over excited and a bit hitty when he's copped up.

    £7 spent yesterday inc parking, Easter egg hunt and ice cream for DS and tea for me.

    Park again today so should be a minimal spend too.

    I really need/want a buggy board DS was struggling towards the end of the walk yesterday and I ended up carrying him while pushing the pram. Not good for my dodgy neck. I'll pack the sling today then I can swap them over if needs be but I'm eyeing up a buggy board on ebay.

    Right best get sorted. 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:961/61%
    Family loan £7000/£6625
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