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  • FIRST POST
    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 439Posts
    • 771Thanks
    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
    Last edited by hannahroberts1985; 24-09-2016 at 3:04 PM.
Page 10
    • MrsSave
    • By MrsSave 17th Sep 16, 7:47 PM
    • 846 Posts
    • 2,765 Thanks
    MrsSave
    We should start a middle of the night chat group somewhere I think there'd be a few of us there!! I'm pleased the clothes are good. Enjoy your quiet Saturday night.......same here!!!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • strummergirl
    • By strummergirl 17th Sep 16, 8:05 PM
    • 60 Posts
    • 102 Thanks
    strummergirl
    Hi Hannah, sounds like you're doing well. I fell asleep putting oDS to bed last night at 7.30 so I reckon I could outparty you

    New clothes are a must for pp! I just got some lovely jeggings from asda. Wouldn't normally wear them but they're perfect for with boots this winter and only £12 a pair.

    Hope your night tonight goes better! YDS had me up at 11.30pm and 5am so I'm hoping for the same x
    House Deposit Savings - £5878/£15,000
    CC - £3047 (0%)
    • hannahroberts1985
    • By hannahroberts1985 18th Sep 16, 7:32 AM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Ha ha we could track NSD's aka no sleep days. Another rubbish night here guess I'll be prepared for when baby arrives anyway.

    Was up thinking about money last night. I've got one more normal pay day then one with a little extra on top of mat leave then that's it! . Feeling a bit meh about it all the last payday was great and I loved paying off big chunks. This is why I made this diary though as I know it's about to get very tight and tedious money wise. Each month £200 will go towards debt so just over 2% per month cleared. It's all about plodding along and not spending the savings. Fingers crossed DP hears more about this job and gets it then I'll have more money to play with. At the moment he'll have to pick up extra hours probably need 45+ per week to make ends meet. I was thinking of posting a SOA to see if there was anyone people thought we could save. But I'm pretty sure it is as low as it can be. As I've already switched all utilities, cancelled sky etc. We could save less and have less pocket money but I'd like to keep pushing the savings funds and I like having a bit if cash for fun so will only cut these on a monthly bases if bills need to come first. Money money money!

    DS's first football session today DP is working so I'll taking him alone. We've been talking to him about it and he seems excited. Just hope it goes well and he gets stuck in and enjoys it. Will try and find some motivation to do a job or two off my list at nap time. By the afternoons though I'm so tired but can't blooming sleep so might as well crack on with jobs! We shall see. I need to grab bread and milk on the way home. Nothing else though as my tesco shop comes tomorrow. I think next month I need to start tacking the food budget. We always buy bits and bobs out of our own money or use a bit from the joint account. I think with better planning we can stick to budget. Probably spend a little extra this month while we have more cash to get store cupboard levels up. We live in the middle of nowhere so it's handy having lots of dry food in. X
    Last edited by hannahroberts1985; 18-09-2016 at 7:39 AM.
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 2:49 AM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    How far along are you now Hannah? Hope everythings going okay?
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • hannahroberts1985
    • By hannahroberts1985 19th Sep 16, 7:50 AM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Morning,

    Huskyrunner it's been a while have you been posting? I've not been getting notifications? I hope everything is goin well for you. 36 weeks pregnant here now.

    My did pulled out of the cinema last night as she was feeling like something might be happening (she's due tomorrow eeek). I text DP saying I was now staying in and did he want to grab a take away on the way home from work, but he text one of my friends and then she text to see if I was free for dinner and cinema . He's a good egg. We went to Wagamamas for dinner where my friend her
    Husband came for dinner too and insisted on paying but then I insisted on buying her cinema ticket after. I got comfy seats £25 for two! Such a rip off! Then my friend brought us nachos and drinks and I'd already picked up a couple of bags of £1 choccys on the way in. So about £27 spent for me which wasn't bad. The film was great and I nodded off straight away last night and feel like I could sleep for England now so I think the night out has done me a world of good and cleared my insomnia. I was nice not looking at my phone all night I think I need to check in here in the day and leave it on the evenings or my head is still going over everything at bedtime.

    DS is a bit poorly full id cold and he gets chest and needs an inhaler whenever he has a cold so up a few times in the night with him. I have the midwife today at 10.30 it's birth plan time ! DS will be coming with me as DP is at work so I hope he's a good boy for me. If he is I'll take him to the bakery after and grab him a little treat. Food shop coming this afternoon. Then it'll be only our meal plan first proper one I've done really. It's weird knowing what i'm having for dinner already.

    Best get up and get breakfast sorted. In bed watching Peppa pig at the moment. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • hannahroberts1985
    • By hannahroberts1985 19th Sep 16, 3:08 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Quick pop in as I won't be checking in this evening.

    All good at the midwife. DS behaved so we went to the cake shop after £2 spent on a cake each I have £10 left from last night so £5 still in my purse and £3 stashed in the hospital bag parking fund. Will try last the rest of this week on £15 then I'll be on budget for the month but not sure I'll manage that. Were meeting friends at soft play Thursday morning play date then maybe lunch there too! Don't you just love feeding your kids overpriced rubbish food at these places! Children's centre for messy play Friday morning if we can get a place. Hope we can as it's a free session. Then football Sunday. So busy enough week just need to not go off plan.

    Tesc0 food shop arrived and away. 4 big tubs of choccys stashed away for Christmas we'll probably keep two to much and get out when guests come and give two as presents. Just waiting on DP to get home I'm shattered today and DS decided not to nap! He has been quite chilled and snuggly today high as he has a cold though so not to bad I guess.

    X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • MrsSave
    • By MrsSave 19th Sep 16, 7:19 PM
    • 846 Posts
    • 2,765 Thanks
    MrsSave
    Sounds like you had a good night last night. The comfy seats are so much better than the standard! Poor ds........they pick up things so quickly. My ds has started sniffling today so I think he's coming down with a cold too.

    I'm pleased your midwife went well. Birth plan.....that makes it so real! I'm thinking of not writing one this time. We'll see what my midwife says.
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 10:19 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    not really i have being having issues with the neighbours from hell so i have being struggling with work/lack of sleep i am whacked constantly

    its that bad i have reconciled with my parents and i have being going too theres too sleep.

    my journals still going
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • hannahroberts1985
    • By hannahroberts1985 20th Sep 16, 1:08 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Huskyrunner that sounds bad, not good for your health at all. I hope you've been putting those council complaints in.

    Quick pop in NSD today whoop whoop. Should be the same tomorrow. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • Huskyrunner
    • By Huskyrunner 20th Sep 16, 10:17 PM
    • 314 Posts
    • 330 Thanks
    Huskyrunner
    i have hun a complete waste of time i blew my stack at them the other day and me and the dad next door were inches away from coming too blows.

    Me and my oh are just sick of the whole thing we are working our butts off too get debt free.

    Never ever ever buy an ex council house
    debts 16719 on dmp with cccs
    Survey earnings/Cashback since/money back off items 4-6-16 £45.50
    Mortgage 69900
    • hannahroberts1985
    • By hannahroberts1985 21st Sep 16, 7:41 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Quick pop in before bake off. NSD whoop! X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • hannahroberts1985
    • By hannahroberts1985 21st Sep 16, 7:46 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Husky sounds awful. Have you put in more than one complaint? Complain to the council everytime they break the rules. They will come round and monitor and have to get involved.
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • hannahroberts1985
    • By hannahroberts1985 22nd Sep 16, 4:11 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Quick pop in while DS napped. Popped to a few shops this morning before soft play but didn't buy a sausage just 50p for parking. I still need a going home outfit but couldn't see anything I really liked. I also have broken my two favourite mugs this week so popped to wilko for a couple of new ones but DS was being a pain and wanting to carry the basket so he saved me buying anything. I had £5 in my purse and withdrew my last £10 pocket money this week. Spent £13 with soft play and lunch so another couple of £'s in the hospital bag parking fund.

    DP got an email saying we were near our monthly BT usage. I think it's because I'm home a lot more now and the amazon fire box means a lot more streaming. He's just called and upped to unlimited usage it's only £3 extra a month. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • hannahroberts1985
    • By hannahroberts1985 22nd Sep 16, 8:04 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Quick pop in to log a spend. Next sale.....was rubbish £13 spent on jeans and shorts for DS in the next size. £34 spent on non sale items for the baby coming home outfit and sleep suits and matching hats for the first few outings photos etc. I had £20 put away for the outfit but will find the money from somewhere and pay it all off by the end of the month as I hate that it's on my next card. Feeling more prepared for his arrival now I have outfits sorted. I nearly caved and brought a blanket too but I have so many lovely ones from DS I took it out my basket last min. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • MrsSave
    • By MrsSave 22nd Sep 16, 9:20 PM
    • 846 Posts
    • 2,765 Thanks
    MrsSave
    Next sale was completely rubbish wasn't it?! Ended up not buying anything! They've got some lovely sleep suits, etc though. I've got a few up in baby's wardrobe!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • Poor_Single_lady
    • By Poor_Single_lady 23rd Sep 16, 8:03 AM
    • 315 Posts
    • 724 Thanks
    Poor_Single_lady
    I missed this sale. Taking.comfort that neither of you were impressed. Feels like I missed out less. So tempting to go in and buy everything. Hope the last few weeks are going well hannah. I could not imagine looking after all the pennies, a child and growing a person. You are doing so well. xxx
    Debt at June 2016 £14,600
    Plan for 25.08.16 Debt £14,000
    Plan for 25.11.16 Debt £13,000
    loan end date Oct 2017 Freeing £153/month
    Plan stay out of overdraft improve credit history
    • hannahroberts1985
    • By hannahroberts1985 24th Sep 16, 1:52 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Afternoon,

    NSD yesterday (bar bread and milk but u don't count food and only brought those two items from the shop which was good).

    I've come down with an awful cold, I thought I was going into labour yesterday with all the aches and I was having irregular braxton hicks but about 7pm a sore throat hit. Slept pretty well last night but I did take paracetomol to knock me out. Up at 7 with DS but then went back to bed 10-12. DP is working at 4 today I made extra curry last night so at least I don't have to cook today. Will be heading up to bed not long after DS goes down at 7 if I still feel this rubbish.

    Not sure if I should do a small good order next week just sticking to a meal plan or do a big order and stock up loads. It'll mean we go over budget but will save spends and stress once babies here. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • hannahroberts1985
    • By hannahroberts1985 24th Sep 16, 3:06 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Also new clear score report out today. I've gone down 12 points!! I've paid off debt, have loads of savings and nothing else has changed!! These things are annoying me now!!! Feel like one steps forward two backward!
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • hannahroberts1985
    • By hannahroberts1985 25th Sep 16, 2:22 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Quick pop in.

    Football today DP isn't working until 4 so he came alone thankfully no jumping round like a frog for me today! Picked up my Next order then small £9 shop in morrison's the essentials + donuts and biscuits to go with the meal plan until the food shop arrives Thursday. Then we went for a Burger King not sure what came over me I just fancies a treat £13 spent for the three of us. It came out of next weeks pocket money allowance but hey ho it's not often me, DS and DP are all out and about with free time. He has so many jobs I want him to do around the house on his days off doubt we'll be doing much next week. There is a new two hour session at the childrens centre Wednesdays that's suitable for babies and toddlers so in going to give that a try this week, then the hour and a half session Friday both free then football Sunday. I may plan a soft play trip Tuesday but that should be my only Spendy day really so very double on £35.

    My neighbour had her twins last night. I already have gifts and cards from the mothercare sale. She should be home tomorrow and has said we must go for snuggle....hoping it'll help being on my labour.

    DP got a message to arrange an interview at ford for next week.....his friends been keeping an eye out for a
    Position but it's been 6 months so that's why he's been trying for Audi! Now two job offers come along at the same time! Typical!

    Right I need to we up and cook a sheapards pie my mums coming over for tea and to bath DS and do bedtime routine to practice for when were in hospital. Noddle report out later today so I'll probably pop in to report that it's gone up even though my debt is down! X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
    • hannahroberts1985
    • By hannahroberts1985 25th Sep 16, 8:17 PM
    • 439 Posts
    • 771 Thanks
    hannahroberts1985
    Noddle updated and it's stayed the same. At least it's stable. All accounts are at least one payment behind which is annoying but at least I know they are going in the right direction.

    Play date arranged for Tuesday. It's a nice cheap soft play though so should be all on budget. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £22DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6927.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
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