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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 516Posts
    • 874Thanks
    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 13
    • hannahroberts1985
    • By hannahroberts1985 13th Oct 16, 8:53 AM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Morning, crappy nights sleep. Staying home again littering with bits and bobs. DP on a night but my mum is coming for dinner and b time so that'll break the day up a bit. Spent another £10 last night DS was up coughing and was sick so ordered another duvet and pillow as his had to go in the wash. I don't have a spare and it's gettImg too cold to just use a blanket. Hopefully NSD today.....but hoping I'll need to spend money on hospital parking!!! Ha ha x
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 13th Oct 16, 10:18 AM
    • 1,004 Posts
    • 3,047 Thanks
    MrsSave
    When is your due date? Has it passed? I've started the car parking fund! I was in for 5 days altogether last time.....it all adds up!

    Poor ds. I hope he's feeling better soon. Definitely worth investing in a spare duvet and pillow.
    Emergency fund #16 £70/£1000
    Loan repayments: 16/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 13th Oct 16, 10:58 AM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Sunday is my due date. DS came the day after his so I've been hoping I'd go early this time. We had to stay with DS for a week but they give you a free parking pass at ours if you've just had a baby. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 13th Oct 16, 11:38 AM
    • 1,004 Posts
    • 3,047 Thanks
    MrsSave
    Eeeeek any time then!! That's good that you get a parking pass. Saves a few £££.
    Emergency fund #16 £70/£1000
    Loan repayments: 16/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 14th Oct 16, 9:14 AM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Morning, payday here whoop! Already feeling disappointed though ha ha it's always the way. I think my maths the other day was a bit out. Managed to
    put £500 into savings so only a little bit of leeway there to keep it over £2000 by Jan 2017. I'll have to be extra carful. I put an extra £20 into the Christmas account as I'm worried I don't quite have enough in there for all adult presents. In need to stop buying children's presents from this account and save it for adults. I'm happy the car fund is coming along nicely we have a mot due in Dec depending on when DP gets his company car this car will be sold but I think it'll sell for more if we mot it just gotta hope it passes/the repairs are cheap. All savings account totals updates I will update debt totals as and when dd's leave the accounts.

    Lazy morning here then Ive got to drive 25 miles for an appointment with the hospital. DP is working and it'll be during nap time hoping it's not to stressful. Been dreading the trip. DP finished work at 7 tonight so if nothing has kicked off with me I've said I'll treat us to a dominos. We have to pick up as they don't deliver to us so try have a treat when he finished work after bedtime to save a 30 mile petrol spend on take away. I feel like I need a treat I've been stuck in and grump all week. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • hannahroberts1985
    • By hannahroberts1985 14th Oct 16, 9:33 AM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Just spent £46 on tickets to a comedy gig in Feb next year. Me and DP will probably set a small budget for Christmas presents for each other and man gifts on a budget can be a bit boring cd's and dvd's are kind of obselite now and he's not really one to get excited about clothes or after shave etc we need new technology but that is on the back burner for a few years while we save. So thought this would be perfect. Baby will be 4 months so my mum should be able to handle baby sitting by then. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • chelseablue
    • By chelseablue 14th Oct 16, 9:37 AM
    • 1,850 Posts
    • 2,357 Thanks
    chelseablue
    You've got to have a few treats along the way, other wise motivation soon goes


    My partner is on a night out in London for a friends birthday in November and while he's out on a jolly I've decided I'll be treating myself to a Chinese takeaway
    Baby Boy born May 2014

    Mortgage starting balance 26.02.16 £231,294
    • hannahroberts1985
    • By hannahroberts1985 14th Oct 16, 9:46 AM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Yeah it's something to look forward to so has cheered me up too :0)

    Good call you can scoff all you like in your pj's and watch whatever you want on tv. Perfect! Xx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • hannahroberts1985
    • By hannahroberts1985 14th Oct 16, 5:35 PM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Appointment done. Managed to waddle round some shops for an hour after too. Spent £23 on Christmas presents. £5 on a birthday present for my mum will need to get something else but she asked for a hot water bottle and I found a nice one for cheap. Then £15 odd on bits and bobs stain remover, colour catchers, cleaning products and cake mixes for DS. I always find b&m a lot cheaper for those types of things than in the supermarket.
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • hannahroberts1985
    • By hannahroberts1985 14th Oct 16, 7:20 PM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Pizza's ordered £13.08 and got .13p cash back ha ha! I always hide away a bottle of coke and some choccy for takeaway nights so we don't end up spending a fortune on drinks and desserts.

    I need to stop spending now!!
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 14th Oct 16, 8:20 PM
    • 1,004 Posts
    • 3,047 Thanks
    MrsSave
    Sounds like you've had a good day! Enjoy your treats tonight!
    Emergency fund #16 £70/£1000
    Loan repayments: 16/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 15th Oct 16, 4:31 PM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Quick pop in. In the car on the way home from my nieces birthday party. It's been so nice getting out with DP to chase DS so I can just relax. NSD x
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • hannahroberts1985
    • By hannahroberts1985 16th Oct 16, 5:46 PM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Quick pop in NSD here. Awful sleep last night awake from 3am! DP is off work now so it feels like I've had a day off. Went for a 2 mile walk alone earlier with my music on it was bliss, then a nice hour long bath and read my book. Then had an hours snuggle with DS and watched toy story. Lovely day x
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • Poor_Single_lady
    • By Poor_Single_lady 16th Oct 16, 8:42 PM
    • 456 Posts
    • 1,079 Thanks
    Poor_Single_lady
    Hannah I feel like you have been pregnant for so long. I know we don't know each other im real life but I feel so excited about your baby coming. I can't wait to read your blog and see that its arrived. Hope last days are going well. xx
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • ramblehan
    • By ramblehan 16th Oct 16, 8:53 PM
    • 342 Posts
    • 684 Thanks
    ramblehan
    Hey HR - wish I had your day. Mine was spent going to the tip and painting garden walls!
    Hope you get some ZZZ's tonight.
    Like PSL I'm excited too about impending arrival! xxx
    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
    • hannahroberts1985
    • By hannahroberts1985 18th Oct 16, 7:20 AM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Morning, pretty decent nights sleep. No baby yet wahhhh I'm getting feed up. I really thought he would be here by now as DS was born by this stage in my pregnancy with him. Trying to not just sit waiting and getting annoyed but doing things is costing money!! DP is off work now and I really don't feel like I want him to go in for extra shifts it's so nice being rested for whenever it happens. We went out to soft play yesterday and I just sat and ready my book it was lovely. Then we decided to have a Mc's lunch £12 total with pud as we get discount. Also popped to TK Max as he needs new clothes for this new job £65 spent on shirts he'll need to buy some trouser and ties but I'll try talk him into just one trousers and a couple of ties for now until his pay goes up. He paid this on his card but we will see where his account is sitting when he gets paid Thursday and hopefully not have to use the savings to cover this.

    My phone bill came in £20 higher than exspected I called and there was a £20 upgrade charge I didn't realise about. Also BT bill came out of our bank at twice the normal amount so I'll get DP to call and see what that's all about!!!

    So it's not going too well money wise £60 in unexpected bills and still waiting for baby means we are spending money. We were tempted to get a curry last night but deciddd against it. Not sure what we'll do today it's forecast rain so that rules out a free walk in the woods or the park for DS. I was thinking maybe swimming well for DP and DS anyway I'd just watch as am in the beached whale stage so will sit in the cafe and watch. I'll see what DP thinks when he wakes up.

    I've been going for a 2 mile walk the last three days while DS naps it's been lovely getting out on my old running route with my music on and having some me time. Can't wait to run again.

    Wish me luck for not spending much and going into labour today. Xx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 18th Oct 16, 7:38 AM
    • 1,004 Posts
    • 3,047 Thanks
    MrsSave
    That's a pain about BT and your phone bill. I really hope today is the day for you. Every day after your due date seems to last forever!! Wow, well done on the 2 mile walks......by the end of my pregnancy with ds I couldn't manage to walk to the local co-op which is literally around the corner as I was in so much pain. I'm very impressed! It's nice for you to have dp home now.
    Emergency fund #16 £70/£1000
    Loan repayments: 16/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 18th Oct 16, 9:20 AM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Just checked TopCashback back and I had £10 payable from the energy swap so I've cashed that out to cover some of the extra bills. Hopefully BT have messed up again but we shall see later when DP calls.

    DP has a swollen throat and headache so we'll just stay in today I think. I'll get out for a walk again when it's stopped raining. NSD hopefully the fridge is getting empty again though so if I can be bothered I may pop for a small food top up. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • hannahroberts1985
    • By hannahroberts1985 19th Oct 16, 12:55 PM
    • 516 Posts
    • 874 Thanks
    hannahroberts1985
    Quick pop in.....mainly because I don't want to be awol to long as I know there is a few people waiting on baby news. Still no baby or sign of him.

    NSD today (so far hoping hospital parking later) we went for a walk around a local reservoir this morning. Just about to get DS tucked up then I'm going to head for a nap. Awful nights sleep last night. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £9.99£1017 Now:£695.01
    Total Debt June 2016 £8996.47 Now:£6576.22 = 26% down
    Savings:£1620 Car fund:£125 Christmas fund £0 Birthday fund £75
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • ramblehan
    • By ramblehan 19th Oct 16, 9:09 PM
    • 342 Posts
    • 684 Thanks
    ramblehan
    Oh poor you - I remember the waiting game well. Hope you get some rest and can keep chirpy. Big hugs your little one will be in your arms before you know it xx
    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
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