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  • FIRST POST
    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 511Posts
    • 862Thanks
    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 12
    • hannahroberts1985
    • By hannahroberts1985 5th Oct 16, 4:23 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    I know!! Hoping it'll be less I'm ready now!!

    Postman just been the lovely people at next decided it would be nice to send me a directory card!!! I chopped it straight up!!!! I can't be trusted!
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • chelseablue
    • By chelseablue 5th Oct 16, 4:25 PM
    • 1,848 Posts
    • 2,357 Thanks
    chelseablue
    Oh I have one of those too, they're fatal


    I owe Next £198 at the moment, hoping to clear it by the end of the year
    Baby Boy born May 2014

    Mortgage starting balance 26.02.16 £231,294
    • hannahroberts1985
    • By hannahroberts1985 5th Oct 16, 6:40 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    Cut it up. Next is far to pretty to go in and leave with nothing if you have a card that gives you clothes for "free" ha ha!

    Just bite the bullet and ordered a breast pump. The one I used last time was my sisters I got on with it so looked on eBay and found one that had only been used twice. £30 instead of £90 new. That's the last baby item we needed. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • cms-help
    • By cms-help 5th Oct 16, 8:23 PM
    • 92 Posts
    • 101 Thanks
    cms-help
    Children's centre was good but I'm in agony now it was a lot of sitting on the floor and running round after DS as he has a little cold he was a bit snappy today so had to slltay close by him. Thinking more and more that pre school may need to be an option for him. I will pop in next time I'm by the one I want him to go to and price it up. I just don't want to add another monthly out going of over £100 to the bills when we are saving for a mortgage but I just feel he needs some more time around other children.

    Spent £9 in coop and got everything I needed. Pay day for DP tomorrow hoping he gets paid enough to cover all bills and a small food budget until I get paid on the 15th but we shall see tomorrow. Hoping that things won't get out of hand once baby arrives either. I have car park money saved up and a house full of food for my mum when she comes to stay. If everything goes smoothly with no long hospital stays etc I should be able to stay in control but we shall see the savings are there if we need anything.

    10 days till due date eeeek! X
    Originally posted by hannahroberts1985
    Don't forget that from the term after his 3rd birthday he will be entitled to 15 hours of pre-school a week during term times (either at a nursery type setting or within a school, depends what you have near you as not all schools offer it). Could you keep going to groups and hang on until then?
    • katy_ann
    • By katy_ann 5th Oct 16, 9:37 PM
    • 896 Posts
    • 4,483 Thanks
    katy_ann
    Hi all! I thought I'd show my face in this thread as I'm currently just over 33 weeks pregnant and start my maternity leave next Friday! For the past 6 months or so I've been squirreling away money into my savings ISA for when I'm only getting statutory maternity pay! This is whilst buying things for baby aswell, this is our first so we had nothing! we've got a lot second hand off my sister in law but theres always a few little bits it's nice to buy yourself new
    Officially Debt Free on 10/12/2015 | Married on 02/07/2016 | Baby Boy Due on 21/11/2016
    November NSD 0/6
    • hannahroberts1985
    • By hannahroberts1985 6th Oct 16, 1:09 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    Thanks CMS he's doesn't turn three until June so will be eligible for free hours next September I think. I will try to avoid it but wouldn't want him to get behind if I struggle getting out and about with him. All depends what type of baby I get. I did put on the order form good sleeper and calm but sometimes they get the orders wrong!!

    Hey, Katy Ann thanks for posting. Congratulations on being debt free I bet that feels amazing!!! You see to have learn from it too with squirrelling that money away.

    DP's pay day today. We will have to move £100 over from savings to cover bills. Annoyed about this but we knew unless he picked up extra hours we'd be in this situation. I've just needed him home after his nirmal shifts and on his day shifts so I can rest. The using the savings to cover the short fall will only be for a while until his new job starts paying. So glad he's got the job or it would be the same story every month. I guess I should have left more out of the savings from my pay but if it was hanging around I'd probably spend it so now it's been in the savings and is coming back out it'll keep me in check. DP will also need to spend a bit of the savings on shirts, trousers and ties for his new job too. So maybe another £100-£150 out of the savings. Hoping that next Friday we can put another £1000 of my pay into the savings again this may have to come back out again depending on Dp's pay and paternity pay. Once he finished work next Friday we can get the car on the market and hopefully shift that for a decent amount to cover the two week pay gap he will have between jobs as he gets paid monthly instead of fourtnightly.

    Low key day at home today. A new menu came through the other day for an Indian fusion takeaway that delivers to our house. We have one other takeaway that delivers here a horrible pizza place. DP is going to order one when he finishes work. I'm going for a hot curry to try smoke this baby out! C
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • sugarcube84
    • By sugarcube84 6th Oct 16, 2:13 PM
    • 487 Posts
    • 503 Thanks
    sugarcube84
    DP is going to order one when he finishes work. I'm going for a hot curry to try smoke this baby out! C
    Originally posted by hannahroberts1985


    You'll be on the pineapple, clary sage and raspberry leaf tea next :-) I wont mention what my midwife told me would work suffice to say your hubby would be very happy :-)
    Target DFD January 2017- Only 2 payments to go!!!

    Amount Paid off 69.38%
    • hannahroberts1985
    • By hannahroberts1985 7th Oct 16, 1:05 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    Hey sugarcube, I've already started I ate a whole pineapple last week and nothing! Feeling dodgy today but DS was up coughing and throwing up last night so it could be that or it could be the curry. Labour can hold off a day or two while DS gets better now I think. My back is achy like pre period aches but so hard to tell if I'm poorly or not at this stage. My sister had her baby yesterday so now it's defiantly my time!

    Children's centre plans had to be cancelled this morning due to DS being poorly. Kind of relieved I think I need to keep my days now low key and preserve energy as it could be any day now. I've planned to visit my sister tomorrow it's an hour and a half drive away but mum will take me so shouldn't be to much hard work. Then I don't intend on doing much else poor DS. I'll make DP take him out to the shops and park where possible and when the weathers nice I'll get him out in ththe garden.

    Feeling like I want to spend money today but I don't have any so will tackle the ironing pile instead!! X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • sugarcube84
    • By sugarcube84 7th Oct 16, 3:13 PM
    • 487 Posts
    • 503 Thanks
    sugarcube84
    When I went into labour I woke up feeling not quite right like I was going to come down with the flu. Fingers crossed the coughing/vomiting doesn't get you.
    Target DFD January 2017- Only 2 payments to go!!!

    Amount Paid off 69.38%
    • hannahroberts1985
    • By hannahroberts1985 7th Oct 16, 4:10 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    I keep worrying this could be the start but me DS and DP all fell rough so it best not be! Ha ha we're not in the right frame of mind! I'll have a nice bath after bedtime to help ease the aches hopefully! I've not had any contraction type pains today so think its just a bug.

    I spent some money ooops! Knew I couldn't help it today. I've been eyeing up a rocket tent for DS on amazon and he's been so good while poorly I ordered it for him. It was £18 with postage. I'll set it up in the corner of his room when it gets here in a bid that he will play in there alone sometimes but we shall see. Also gave him one of his Christmas presents just a little drum. This is the problem with having a wardrobe full when ever he's really good I treat him. Xx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 8th Oct 16, 6:47 AM
    • 996 Posts
    • 3,027 Thanks
    MrsSave
    Not long to go for you at all now! So exciting! I didn't feel right a day or 2 before labour started with ds so it could be your body getting ready!!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 8th Oct 16, 7:59 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    Evening,

    Few spends today oops! My mum drove us to visit my sister so I paid for lunch £25 also spent £7 on parking. It was a rare day out with DS which was really nice.

    Just seen Asda have a space man that you can upload songs and stories onto. It has good review on amazon and was only £15 so I've ordered it to go in DS's rocket tent. He'all love it.

    X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • hannahroberts1985
    • By hannahroberts1985 10th Oct 16, 7:40 AM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    Morning,

    NSD yesterday. I was awake for three hours having contractions Saturday night but then they stopped. I had a friend pop over for a brew yesterday afternoon I went to put DS up for his nap and came down to a surpris baby shower set out. DS napped two and a half hours so I had a lovely One chatting with my friend. They spoilt the new baby with gifts.

    Quiet day today I am popping round to my neighbours for a play date she has a nearly two year old and is just home from hospital with two week old twins. I get paid Friday. I have £47 in th bank and some money in my purse not sure how much hoping £20 I'm out for dinner for a friends birthday tomorrow evening. I'll need about £20£25 for food then I need to buy two birthday presents one for a friends birthday I didn't make it too a while back. I'll have to pop on the way to the restaurant I think and get them nice wine or choccys. I really don't fancy a full trip out with DS. No more plans this week until payday apart from trying to go into labour. I may buy a pineapple tomorrow at the supermarket. We're going to have to move £125 from the savings to cover rent coming out will get DP on this tonight as he has the savings in his ISA.

    Best get up and start the day. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • ramblehan
    • By ramblehan 11th Oct 16, 7:29 PM
    • 342 Posts
    • 683 Thanks
    ramblehan
    Hi Hannah. Hope you are well. Keep thinking of you and wondering if things have got started! Don't do too much x
    LBM June 2015: £24025.75!
    The big bad three:£22,034 8.8% down 91.2% to go:
    Tax savings: £400/£1800
    'Very little is needed to make a happy life' Marcus Aurelius
    • chelseablue
    • By chelseablue 12th Oct 16, 9:09 AM
    • 1,848 Posts
    • 2,357 Thanks
    chelseablue
    I think from next September the childcare funding for 3 and 4 year olds will increase from 15 hours a week to 30
    Baby Boy born May 2014

    Mortgage starting balance 26.02.16 £231,294
    • sugarcube84
    • By sugarcube84 12th Oct 16, 10:41 AM
    • 487 Posts
    • 503 Thanks
    sugarcube84
    Some areas are already getting 30hrs mine is one of them but my ds is in primary school, it would have been great for me!!https://www.gov.uk/government/news/thousands-of-parents-benefit-from-30-hours-free-childcare-early
    Target DFD January 2017- Only 2 payments to go!!!

    Amount Paid off 69.38%
    • hannahroberts1985
    • By hannahroberts1985 12th Oct 16, 1:44 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    Yeah I had hear about it being upped to 30 but tend to take everything I hear from the government with a punch of salt until it actually happens. 30 would be a great help.

    I made it out for dinner last night after feeling awful all day. It was lovely to get out alone and have some me time. Last time for a while now I think. Presents and food spends I think I went £10 over what I had but my friends had spoilt me so much for the baby shower I didn't want to skrimp on gifts. I need to keep an eye out for nice present bargains that I see and buy before birthday like I do Christmas really.

    Not much else to report. I had a 12 hour sleep last night (between toilet breaks) so a feeling refreshed and ready. Come on baby!! X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 12th Oct 16, 5:36 PM
    • 996 Posts
    • 3,027 Thanks
    MrsSave
    Maybe the nice, long sleep was your body resting and getting ready for labour. I'm so excited for you........and so frustrated that I've got another 2 months to go
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 12th Oct 16, 5:46 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    It goes so slowly doesn't it....but then before we know it they'll be toddlers! Madness!
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • hannahroberts1985
    • By hannahroberts1985 12th Oct 16, 7:04 PM
    • 511 Posts
    • 862 Thanks
    hannahroberts1985
    Ok so pay slip is already up. I've worked out I should be able to put £630 into savings. I know with DP starting the new job we have a gap to bridge so this may have to come back out but I'm hoping not. If I can keep ty savings above £2000 until his pay gets better I will be chuffed. That's my goal!!! I haven't taken tax credits into account with out bill payments this month as want to get DS needs a few winter bits and I'm sure something will crop up for the baby that I've not thought of. With DP being off we should be saving money on petrol etc. I just need to stay focused and not take my eye off money when baby arrives.

    £4.89 spent on ordering some hangers for DS2's wardrobe. I have piles of clothes waiting to be hung up.

    X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
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