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  • FIRST POST
    • Lucy5781
    • By Lucy5781 28th Sep 12, 11:29 AM
    • 411Posts
    • 2,369Thanks
    Lucy5781
    My Proper DFW Diary
    • #1
    • 28th Sep 12, 11:29 AM
    My Proper DFW Diary 28th Sep 12 at 11:29 AM
    Hi all,

    I've had a couple of threads in the main section before, one of which has become a bit diary-like so, I decided to put a proper one in here.

    Background on my debts, going back to 2009 can be found in these threads:
    http://forums.moneysavingexpert.com/showthread.php?t=1406057
    http://forums.moneysavingexpert.com/showthread.php?t=3566567

    Things should start really changing from the beginning of November now

    Wishing you all lots of luck
    Lxx
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
Page 5
    • dawnybabes
    • By dawnybabes 28th Mar 16, 9:31 PM
    • 1,550 Posts
    • 3,707 Thanks
    dawnybabes
    Wow, all good :-)
    Sealed pot challenge 822

    Jan - £176.66
    • Lucy5781
    • By Lucy5781 3rd Apr 16, 1:54 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Well, only being three years since the start of my DRO I can't get the mortgage, but DH has been able to get it alone, we will re-mortgage after five years fixed term expires when I will hopefully be full time working again after maternity leave (for possible future 2nd child) and six years post DRO will have already gone.

    We're aiming to still have the house in joint names and regardless we'll be having wills sorted out soon to cover the house and DsS and this baby should anything happen to either or both of us etc.

    Been looking at things in B&Q today to get better idea of costs for things like garden fencing, loft boarding, potential mini-en-suite toilet in our master bedroom etc.

    Going Pintrest crazy lol
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 16th Apr 16, 2:17 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    We just bought the carseat as I saw it for a good price online last night so we went and got it today, came with the buggy adapter too which makes the price even better, didn't know that until we got it out of the box.

    Just ordered the actual buggy for collection as well as it had £75 off at Tesco and then used my vouchers (from wedding and getting employee of the month) to order our Chicco Lullago from John Lewis so that's mine and DH's work that have paid for it lol.

    Only need to get the iso-fix base now, but in total the travel system will have cost under £350. I'd been saving up as well, so it's not denting our regular spending!

    So pleased

    Lxx
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 21st Apr 16, 4:17 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Had my 20 week scan yesterday, we're having a boy

    Every bit as exciting, we got the full travel system (buggy frame, seat with raincover and footmuff and the actual carseat as well as the adapter) and iso-fix base for under £320, as I managed to get £95 worth of discounts on buying them all separately

    Lxx
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 3rd Jun 16, 8:51 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Spotted a CoccoonaBaby in local charity shop, no price on it, so asked the guy, who asked what it was... I said it was a baby sleeping thing and he goes 'I dunno, £3?' So I paid him £5 and walked off up the High Street as fast a I could...... They're £129 brand new at John Lewis and £60-70 second hand on Ebay...
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 30th Jun 16, 9:16 AM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Baby fund currently has over £500 so more than enough for the cotbed & dresser/changing unit I want which are about £300 when bought together.

    Last weekend we moved into our new house.

    Only about four weeks now until I finish up at work
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 15th Jul 16, 1:21 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    I've been spending my disposable income on basic clothing for baby's first six months, am now about to start on the 6month+ stuff so I'm ok when my wages really drop after nine months etc.

    Need more basic vests in bigger sizes, Asda's X3 packs are about £2.50 each which is fine. I have hand-me-downs coming from about three people with boys less than a year older as well which is awesome, but I do love trawling charity shops!! My local shopping centre is outlet specific and has a Choice (AKA Next) outlet where they have baby gros for about £3.50, which would otherwise be about £7-8.

    Yay more shopping

    Lxx
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 16th Oct 16, 1:13 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Eep, have left this a little while!

    My son was born by c-section after a failed inuction due to baby being large for dates, tw days before his due date, on 5th September. He weighed 9lb 10oz and they struggled to get his shoulders out that way, so as disappointed as I am to not have delivered naturally, I dread to think what might have happened otherwise as he also had his cord around his neck, which was stopping the progress of the induction as well.

    He's now six weeks old and feeding both breast and bottle as like my mum, I produce milk, but very little quantity. We're very happy with Asda nappies, obviously no where near as cost efficient as cloth but they are good quality for the cheap price.

    We did try the Aldi Mamia ones which we liked too, but Asda is two roads over the back from us whilst Aldi requires the car.

    He's also already gone up to size 3 nappies as he's now over 11lb! - This has also meant he's fully into the 0-3 size clothes (thankfully I limited the 'up to 1month - 10lb' size stuff as he was only in that a few weeks whilst he lost and regained his birth weight!!)

    I'm very happily being mummy at home for now, my wages drop to statutory pay in my next payslip at the end of this month but I've already got my child benefit coming into my account and I also discussed with my payroll about paying me during my leave, what would have been a rebate on my tax, in the next tax year. Rather than have to wait until July 2017 for it to be rebated, I've asked that they pay it to me monthly before hand, which, with PAYE, they can do, as they know I won't earn my full salary for half of the current tax year.

    I don't have the links, but I looked up something via CAB which does explain it. I got the response from my Payroll dept in writing via email which I printed off/forwarded to my personal email account etc before I went on leave!
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 8th Nov 16, 3:18 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    So we've now dropped to my SMP and we need to reign in on the takeaways/eating out. Tbf where we've moved to the prices are actually very cheap but I've added to our store cupboard today with cheap tinned potatoes, tuna etc.

    The annoying thing is where I need to make lunch just for myself every week day. This may change a bit though as DH now does odd days at home no longer working out in a van etc.

    Basic costs you might like to know:
    Nappies - about £10 per fortnight-ish for three packs of 48 nappies
    Wipes - Asda now does a big 70 wipe pack for 70p and two of these do us a week (one pack up stairs and one down.)
    Formula - one £8.49 container lasts a week.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 5th Jun 17, 5:18 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Submitted my notice 19th May, with 17 days of Annual Leave to be used, and also requested 3 days unpaid leave to cover the period to 19th June.

    So I've got half the holiday pay paid at the end of May with the final two weeks of SMP and the other half of the holiday pay will come at the end of June.

    Pleased to have managed to stretch out the money tbh.

    The other thing is that DH is able to do 2-3 night shifts a month on his council's noise nuisance team which brings in more per month than I would working part-time and paying out for childcare.

    Our biggest problem is a lack of informal childcare. Mum is 70 miles away, Step-mum 115 miles away and my MiL, whilst local, is disabled and unable to care for a baby/toddler.

    We now plan to try for baby no.2 and hope to conceive in time to qualify for Maternity Allowance which is paid by the government if you give birth within 60 weeks of stopping work, which would be just before DS turns two (he's nine months old today).

    I plan to return to work part-time once a second child is nearer to a year old when DH should be into a higher paying role, adding to our income and allowing childcare payments, whilst at that point DS will be old enough to qualify for free nursery placement with both of us working *phew*
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 7th Jun 17, 9:41 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Knowing I'd be finishing up at work and getting a final couple of payments has meant that I've gone about ensuring that DS has clothing for right up to age two....

    Given that the bulk of his stuff comes from the charity shops in my town centre (at least two of which are 'all items £1) it's been quite easy to get him kitted out. Any other new bits needed, like vests, shoes etc are all available either in our local supermarkets or the outlet shopping centre ten mins walk away.

    There's a Clarks outlet where the normally £35 pre-walker shoes are usually about £16-18 instead. He already went from a 2G at the end of January to a 3H by the end of May and he walks when held up by the hands already lo.l Probably isn't going to bother with crawling, he just maneuvers around the floor on his tummy or whilst sat up :rofl:
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 27th Jul 17, 4:20 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    Well I was wrong, he started crawling finally two days before turning ten months at the start of July. He's now also pulling himself up on everything and confidently cruising the furniture. He also stood unaided for almost a minute earlier this week!

    I've now actually got clothing for him for up to age 4...

    I've now reached the end of my final pay and we now have our plan in place moving forwards.

    We have set a monthly food budget which we keep updated in a joint whatsap conversation and DH gives me a bit of spending money from his extra night shift earnings.

    We're about to start the process of applying for child tax credits and see where that gets us in terms of extra funds aswell.

    DS will be one in about six weeks. I've been buying cheap pound shop party items for a couple of months now.

    DH has sorted out the garden with a loan from his Dad, it's all now cleared and turfed. We're planning an outdoor party for DS's 1st Birthday, with some activities, lots of bubbles and a mini cinema projected on the side of the shed (popcorn can be a very cheap party food for all my friend's 2-6y olds!)
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 29th Jul 17, 4:33 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    One thing I'm really trying to save us money on now is our food. We have a monthly budget which we do stick to but I know we could do better.

    I need to get organised in our freezer. It got a bit neglected in the first few months after I had DS and now he's usually eating same dinner as us (he's 11 months next week) but I have to keep in a few more fresh bits than previously for his lunches.

    I need to do this now before I fall pregnant again and I have issues with food.... DH cooked more when I was previously pregnant as when we lived at the flat he got home from work first. Now obviously I'm at home.
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
    • Lucy5781
    • By Lucy5781 7th Aug 17, 9:35 PM
    • 411 Posts
    • 2,369 Thanks
    Lucy5781
    July was an expensive month! My Birthday, DsS started school holidays (i.e. needing more food whilst at ours with DH working from home etc) and it was a fie weekend month!

    August will be odd, we're going to stay at my in-law's second house up north Sun-Thur next week so my head keeps thinking what we need to buy to take with us but they were there last week and have left the freezer stocked and the Tesco is a five min walk away so there's really no need to take much with...

    And today we've filled out our claim for for Child Tax Credits. We're expecting to have a reply notice of 'nil award' at which point we then update them with me stopping work and DH now earning slightly more etc. The we should qualify, as currently they will base it on what I earned last tax year whilst still working full time up to end of July 2016 and then being on maternity pay until May 2017.

    And relax....
    Credit Card & Overdraft Debts Jan 2012: £16,000+ Credit Card & Overdraft Debts Sep 2013: £13,023
    DRO Completed: 30/09/2014

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
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