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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 753Posts
    • 1,072Thanks
    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!
    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by Former MSE Jessica; 18-04-2017 at 2:48 PM.
Page 1
    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 10:47 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    • #2
    • 15th Jun 16, 10:47 PM
    Debt Free Tips:
    • #2
    • 15th Jun 16, 10:47 PM
    Soooo in bed after my bath and my brain won't turn off so thought i'd pop back. We leave for holiday friday so I may be quiet for a week...i'll try pop in though. Thought i'd note down all the tips i've been using.

    -I have seperate accounts for everything (my bank got a bit annoyed at me and questioned why I needed another one...it may be effecting my credit score to I don't know, but I feel having everything seperate helps me see and manage it better. Thus the end result a better credit rating) it's complicated but i'll exsplain so you know how i manage things. Halifax account my wages in then £30 dd on pay day goes to a christmas savings account I have. Then I keep £200 in this account. This is my pocket money for the money roughtly £50 a week. I keep a card for this account in my purse. All other money get transfered to my HSBC current account (the one with the overdraft) I have a card for this but it is kept at home. I then pay my share to the bill's account (this varies depending who's full time etc ) Then any remainder money stays in this account I have my phone, contact lens, car insurance and CC direct debit from this account then any money left stays to pay off my over draft (While i'm full time there is a bit left over £50-£100 roughly) From our Joint bill account we transfer our months food and petrol money to another joint account. This one we have a card each and fill up/shop as needed. Also from our joint account we have a £40 DD to a savings account we try to bulid up for car repairs mot's etc.....and breath I think thats it. It sounds complicated I know but trust me its soooo much easier then when it all used to be managed from one overdrawn account and I didn't have a clue what I could spend or where I was at.

    -Have mini savings pots:
    I always used to get in a mess after christmas. I love chirstmas and love giving gifts. I wrote down who I buy for and a rough amount I spend on them. Total this up and divide by 12 (you could start now just divide by the months left in the year). If you can afford to set up a DD for this amount so you have it all saved up ready for chrismtas instead of spending on CC's ect like I used to. Also The money is there for when a bargain pop's up and I already have a stash of gifts. There is a great facebook group "Bargain buys for busy mums!" if you have lots of kids to buy for join....but make sure you only buy things you'll need. I keep a list in the notes on my phone with what i've brought for who so I don't impulse buy.
    MOT day We have two old cars and I always dread MOT day. It's a bit less scary when you have a bt of money tucked away. We currently put £40 away a month into our *hit the cars broken fund to soften the blow.

    -Pocket money account. I feel £200 is a lot of pocket money but then we have a nearly 2 year old and we have a good social life and group of friends (Hence the previous debt ). In the past when budgeting we've been to tight and end up feeling feed up and have blow outs. This amount seems to keep us happy and sain. It may take us a little longer to pay off our debt but i'd rather that than loose touch with all my friends..jez thats hard enought when you have babies anyway. We also love taking DS on days out. We are lucky engouh our works juggle our shifts so we don't need chldcare. I feel as he's not getting interactive from other kids in nursery/daycare lots of play dates and trips out are a must!

    -0% switch everything to )% where possible. If you can't use a snowball calculator to pay debts off in order.

    -Banking app's I have both the Halifax and HSBC app's. They are great I check them every day and know exactly whars going on. It gets quite addicitve. So different from when I would load up the laptop and squint at my internet banking becasue i'd neglected it for a month !

    -Credit check site. Noodle is free for a basic summery. They update it monthly and it's good to see where you can improve things. I'm hoping mine will be on the up. Since joining I realised I had two CC's that have been paid off and now closed. Not sure how it will effect it but hopefully it will improve. Also its showing i'm not on the electro roll so i'm currently looking into that.

    Thats all I can think of right now. Sorry if i'm waffling and telling you what you already know...wish I'd known these thing from the day I started earning but life is for learning I guess.

    x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 16th Jun 16, 9:44 AM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    • #3
    • 16th Jun 16, 9:44 AM
    • #3
    • 16th Jun 16, 9:44 AM
    Quick check in this morning. Just had an email from a dispute I opened on eBay saying they will refund the £50 I'm owed. Whoop whoop. That will go into my overdraft account so I'll leave it there.

    So I need to pop out later to pick up a birthday cake for DS's party it's the day after we get back from holiday. It will just be a supermarket cake so should about be about £10.

    So the plan for the holiday spending money is: DP has been paid today and it's one of those lovely months when fortnightly paid people get three pay days so we can afford to spend all his pay check on holiday. I'm hoping he's been paid enough to last and have a good time. We also have £90 in cash from a sealed pot we've been using. I've been shopping and stocked up and snacks and drinks for DS to take on days out. I really hate paying £1.50 for a fruit shoot! I'm feeling on track and motivated so hopefully we will be savvy on holiday and not blow our budget. We have a few days off together too after the holiday and party so I'd ideally like to save a little bit to do a day out on DS's birthday. Fingers crossed.
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • ramblehan
    • By ramblehan 16th Jun 16, 11:54 AM
    • 400 Posts
    • 924 Thanks
    ramblehan
    • #4
    • 16th Jun 16, 11:54 AM
    • #4
    • 16th Jun 16, 11:54 AM
    Hi Hannah.....I'm following.
    Hope you have a great holiday. I live in Somerset and work in North Devon - it's a lovely lovely place. If by chance you are coming to North Devon, i can give you some lovely pointers on nice things to do that won't cost the earth.

    I totally get what you say about pocket money fund - life is very much now, so whilst you need to pay things off you need to live too. Where we live there's very little to do other than go out for walks (free) or cycles or go and play on the beach (free) so we manage that a lot better than I imagine it could be if you lived in a town.
    • hannahroberts1985
    • By hannahroberts1985 16th Jun 16, 12:37 PM
    • 753 Posts
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    hannahroberts1985
    • #5
    • 16th Jun 16, 12:37 PM
    • #5
    • 16th Jun 16, 12:37 PM
    Hey Ramblehan,

    We are staying in Bideford bay. Any recommendations would be great. The family we are going with are talking dogs so I'm guessing lots of beach days and walks....but also probably dinners and lunch out. I been good for so long now spending money makes my heart palpitate.

    We move to a small village about 10 miles from the closes town and I have to save we've saved loads. No take always delivery and you can't just pop to the shop when you get a sweet craving etc you actually have to look in your cupboards and cook something! Also lots of nice walks to go on.

    Hannah x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • mrsbee17
    • By mrsbee17 16th Jun 16, 1:45 PM
    • 59 Posts
    • 53 Thanks
    mrsbee17
    • #6
    • 16th Jun 16, 1:45 PM
    • #6
    • 16th Jun 16, 1:45 PM
    Hi Hannah,


    My name is also Hannah, a great name!


    It sounds like you're well and truly in a great place. I do the 'piggy banking' thing too but with YNAB (You Need A Budget). I feel it works well for me as all my money is in a Santander 123 account earning my interest yet YNAB lets me keep track on how much money I have in each 'pot'.


    Enjoy your holiday!
    • hannahroberts1985
    • By hannahroberts1985 16th Jun 16, 2:30 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    • #7
    • 16th Jun 16, 2:30 PM
    • #7
    • 16th Jun 16, 2:30 PM
    Hi Mrsbee,

    I'm meant to be packing while the boy naps and DP watching football but I'm sat checking in surrounded by piles of clothes...packing after a big lunch was not a good idea I fancy a nap!

    I will have to check out the YNAB board thanks for the tip.

    Like you say I'm in a great place now but want to keep a first as when my statutory maternity pay kicks in that's when I'll struggle !

    Hannah x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • kansaskitty
    • By kansaskitty 16th Jun 16, 7:28 PM
    • 137 Posts
    • 558 Thanks
    kansaskitty
    • #8
    • 16th Jun 16, 7:28 PM
    • #8
    • 16th Jun 16, 7:28 PM
    Hi Hannah,

    Congrats on expecting your second, and I hope you have a lovely holiday.

    Will be following with interest, we have a son aged 14 months and I no longer work so we survive on hubby's wage, and although he got a huge promotion a year ago we bought a much bigger house as we'd like more kids, so things are a little tight round here too! We ended up being offered less for our final mortgage than first told for our AIP so we had to take a little loan from bank of the in laws too, but we're slowly paying this off despite dreaded car repairs etc etc!

    We also piggy bank but just virtually using apps and spreadsheets mostly, we do have separate accounts for our sons savings and car expenses though. For pocket money we give ourselves £10 fun money each, our son £10 to pay for his baby groups/activities and £20 for eating out/takeaway per week. We also then have £50 for groceries and £40 fuel per week. Thanks for sharing what you do, it's so hard to stay on the straight and narrow and be sooooo tight all the time!

    I'd be interested to know what you've spent preparing for baby no 2, as we are TTC again and I'm hoping not to spend a lot as I breastfed (still do!) my first, and we would reuse cot and as much as we could clothes wise if it was another boy, would probably have to invest in a double buggy and some nursery furniture but that would all be second hand.

    Once again enjoy your holiday!
    Stay-at-home-mummy of two, pinching the pennies but loving it!
    Spreadsheeter, piggybanker, envelope-system user!
    Debt £1400/£6500 21.5%
    Emergency Fund £0/£500 0%
    • ramblehan
    • By ramblehan 16th Jun 16, 8:18 PM
    • 400 Posts
    • 924 Thanks
    ramblehan
    • #9
    • 16th Jun 16, 8:18 PM
    • #9
    • 16th Jun 16, 8:18 PM
    I'm called Hannah too!! ha ha, and we use YNAB - it is great, but you have to use it properly - my main gripe is that I don't have an android or iphone so can't do the immediate updates on spends, but the piggybanking thing is great.

    Bideford bay is lovely. OK here's the low down
    Westward Ho! is a lovely sandy beach, with great rockpools. There is a car park right at one edge which is now free (but if you park in middle, you'll have to pay) - very short walk into beach/town, past lovely beach huts and a nice pub, and a tidal swimming pool. YOU MUST have a HOCKINGS ice cream in Westward Ho! It's a tiny family firm who make it in the morning, sell it in the afternoon and it's the BEST icecream in the world.....

    If you like walking, there's some great walks on this website
    http://www.nationaltrust.org.uk/bideford-bay-and-hartland/lists/running-and-walking-routes-around-bideford-bay-and-hartland

    I'd really recommend Bucks Mills beach if you fancy a different beach. It's sandy at low tide, free parking at the top of village, but a long walk back up hill!

    if you are a NT member, there's Arlington Court, and Baggy Point car park at Croyde where you can use your card)

    Cl*velly is one of the major attractions in the area, but it is very expensive. There's a way around things if you are really interested in going.

    Don't forget about doing picnics? Are you staying in self-catering? There's a morrisons in Bideford, and also an ASDA (at Atlantic village) on the outskirts.
    • hannahroberts1985
    • By hannahroberts1985 16th Jun 16, 9:38 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    Grrrr wrote a looooong post and it's gone!!

    I'll try remember what I was rambling about.

    Ramblehan- good name BTW ! Thank you for the tips
    I've screen shotted your post so when were there and making plans I'll put them forward. The ice cream sounds like a must though. What's bigger/better the morrison's or Asda? Someone we are meeting there is taking a camper can and putting their BBQ in so we're hoping to BBQ a few night to save money on restaurant food and drinks out. Pack ups are a must! I'd much rather go out for a couple of nicer meals than pay for overpriced sandwiches etc! Is there a nice Greek in the area at all? Me and DP are hoping to escape for a date night and I've been craving Greek lately.

    Kansaskitty- hey we are having another boy so it's going to be pretty cheap. DS1 will move to his big boy room which will need a
    Toddler bed and a bit if decorating then the nursery will need a coat if paint but that's about it. We brought him a toy box and I personalised it for his birthday so that counts as a present but was also needed . When I knew we'd defiantly have another baby I started buying uni sex items like vests, sleeping bags, we got a denim trike etc. Our pram will be fine as Kian's been out of it a long time now. With living in the middle of nowhere we don't really use a pram much to be honest it's straight to baby group then out and in etc. Just for days our so our old one is in pretty good nick. I'm hoping to breastfeed again. I breastfeed DS1 until he was 1 it saves so much money not to mention all the other benefits. DS1 was lucky enough to be gifted £1000 when he was born and on top of his we have a dd for £10 a month to build it up. Not much I know but when we are in a better place hopefully we can up this. I have this ISA in my name though in a bid it will help improve my credit score.

    Right I really need to pack last bits my alarm is set for 4am...6 hours away ! Thank you all for reading and commenting. I will try check in over the next week and promise once I'm back to reality will get up to date on your diaries and we can help keep each other on track and motivated

    Xxx
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • ramblehan
    • By ramblehan 16th Jun 16, 9:46 PM
    • 400 Posts
    • 924 Thanks
    ramblehan
    if you are near Bucks Mills (the bideford bay caravan park is there?) then the closest would be Asda. I don't use either so can't really comment.
    Have a lovely time and see you in a week or so!!
    • hannahroberts1985
    • By hannahroberts1985 16th Jun 16, 10:04 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    Thank you xxx
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • rexelpink
    • By rexelpink 16th Jun 16, 10:24 PM
    • 115 Posts
    • 431 Thanks
    rexelpink
    Hi Hannah, congrats on your pregnancy xx
    I will subscribe to your diary we can spur each other on x
    Enjoy your holiday
    Staring debt - June 2013 - £21,000
    Current debt - April 2017 - £11,697

    Emergency fund £500 / 100%

    Debt free one day at a time
    • chelseablue
    • By chelseablue 17th Jun 16, 9:54 AM
    • 2,296 Posts
    • 2,822 Thanks
    chelseablue
    What a good diary, I'll be following your progress.


    I have a 2 year old soon as well, would like another one day but at the moment we pay £760 a month in childcare so have to wait until he goes to school
    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
    • reality_check
    • By reality_check 17th Jun 16, 1:47 PM
    • 695 Posts
    • 1,541 Thanks
    reality_check
    Enjoyed reading your diary so far Hope you've had a great holiday and congratulation on your new addition joining you soon. I've subscribed to cheer you on xxx
    • hannahroberts1985
    • By hannahroberts1985 24th Jun 16, 3:18 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    Hey guys,

    In the car on the way home 122 of 300 miles left in Friday night traffic! Fun times! My stint of driving is done now and DS is looking like he'll nap so thought id check in. No wifi all week has been hard!
    Just stopped at services so DS could run around and me use the loo! We spent £6 on a sandwich each and nanny treated DS to a happy meal....his first ever one. I've not mentioned me and DP are both manager at Mc's so used my discount card to get my mum a meal for £3. We are sooo sick of the food we couldn't face it.

    So we had a great time Rambleham thank you for the tips. We went to Westward Ho it was a beautiful beach. We've got about £50 left from our spending money budget so may do a little something on DS's 2nd birthday Wednesday. I think we got the right balance between eating and taking picnics along with a couple of nice meals out along the way. We've not had a holiday for 4 years so it was areal treat to let our hair down.

    As we set off last Friday morning the car's emission light was in as it didn't have any go in it Luckily we have cover with our bank account. It was a stressful hours wait for the mechanic as I was worried it would be a big costly job which we don't really have the money for. The car was all packed up ready to go and I'd just dragged DS out of bed at 5am!! Thankfully it was just a coil or something which he guy fixed at our house and charged us £54 for the part. Phew! That takes our car fund back down but at least the money was there. I could do with a few months car trouble free to get a bit more in the pot.

    Soooo it's DS's party Sunday we have invited all this little friends about 10 but that also means about 20 adults coming along for the ride! We decided to do a BBQ at home to save on a venue etc but think next year we'll hire a hall and just do food for the kiddies so will probably cost about the same. I placed a food order to arrive tomorrow as I thought I'd be shattered and need to get on top of all the holiday washing. I think I've probably spent £100 in total on food and decorations etc so hopefully when it all arrives I'm happy it's enough and won't have to pop out tomorrow. We did think about not having a party due to costs but he has so many little friends and his party last year was lovely. I love looking back at he photos and hope he will one day too. Does anyone else use free prints? It's an app on your phone you get 50 free prints a months it's a good way of keeping on-top of photo albums. You have to pay postage but I think that's only £3.

    Can't think what else to write and worries I'm rambling so I'll sign off now. Xx
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 24th Jun 16, 10:03 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    After reading through all your diaries on the way home I worked out that we should have a bit spare in the joint account before I get paid again and my account had £20 extra so I cleared the Next account...tempted to close this. Does anyone know if I cut back the amount of available credit to me to much it'll effect my report negatively? I've already closed 2 old CC's totalling £4000 credit this month. Excited to see my noodle report in 4 days. Also paid £20 off my overdraft normally any money spare in this account I'll nip into and spend.

    Bedtime here x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 25th Jun 16, 12:59 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    Right so my good delivery has shown to and now I'm worrying we do r have enough food.....if anyone reads this what do you think?
    18 meat eating adults invite 10 kids mostly under 2 but one 6 year old.

    I have 24 burgers (nice big Angus ones As*da had ran out of the extra special ones that were on offer for £2 so they sent £3.75 ones for the same price winner)
    36 sausages
    24 chicken drum sticks
    I'll even making a big bowl of potato salad, salad and a big plate of mozzarella and tomato salad.
    I decided not to do pudding to keep costs down I brought a multi pack of mini choc bars to put in a now for the kids. I have a cake that serves 16 but will do this at the end and chop up for the kids party bags to take home.
    2 crates of beer and 6 bottles of pop, I haven't brought wine I'm pregnant and being mean plus it's a 2 year olds party I didn't feel the need to supply wine....maybe I'm wrong.

    You think this will be ok? I've managed to keep it all on budget of £100 inc party bags and dec's so trying not to panic and go out and buy more. It's a day time BBQ 12-3 so people eat less at lunch right?

    In other news car insurance renewal come though for one car it's gone up £38.88 from last year so I called and asked why. They said due to government tax...but she asked a few questions re if we travel with children etc and got it down by £80! I think they just put it up and hope people are too lazy to query it. I'll use too cash back later to get a few more quotes online and they've said they will match any price I get so hopefully should be saving a little a month there.

    Right time to get DS down for a nap and clean/cook in prep for the party xxx
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 25th Jun 16, 10:22 PM
    • 753 Posts
    • 1,072 Thanks
    hannahroberts1985
    Quick pop in before bed.

    I made it without going to a shop for more party supplies. There were a few moments I wanted to go buy more food and some games for the party...but I didn't. Whoop! I'm sure everyone will have a great time.

    I checked my pocket money account I usually have £50 a week to spend. I had £12 left over this week due to being away and spending other money. I won't be going out tomorrow so I've transferred this to pay off overdraft.

    Feeling like today was a good day money wise.
    X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • Huskyrunner
    • By Huskyrunner 25th Jun 16, 10:23 PM
    • 540 Posts
    • 955 Thanks
    Huskyrunner
    make sure you use top cashback re the insurance quotes hint hint

    if you click on free cashback bit then go through confused.com i am sure you get a couple of quid cashback just for a quote.
    debts 16550
    Mortgage 69500
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