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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
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    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


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    Last edited by Former MSE Jessica; 18-04-2017 at 2:48 PM.
Page 20
    • hannahroberts1985
    • By hannahroberts1985 13th Mar 17, 3:56 PM
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    hannahroberts1985
    Ha ha fair enough.

    I shop fourtnightly online at Tesco then DP does a fourtnightly Aldi shop for nappies and a few bits we like from there. We used to shop at Aldi all the time but the fruit and veg spoil so quickly and we were getting a bit bored of limited options im a vegetarian and the meat free range is very limited. Plus shopping with two kids in tow is not my idea of fun x
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 17, 4:14 PM
    • 3,673 Posts
    • 6,600 Thanks
    enthusiasticsaver
    My daughter and son in law shop at Aldis for the nappies. When we childmind our 18 month granddaughter though she loves coming to Waitrose with us but then we are just picking up a few bits usually and then coffee and cake at the cafe. Nice wide aisles for her to toddle down lol
    Debt and mortgage free and saving for early retirement
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 17, 4:16 PM
    • 3,673 Posts
    • 6,600 Thanks
    enthusiasticsaver
    Waitrose do some great vegetarian food but yes they can be expensive. My elder daughter is vegetarian so we always pick up a few bits for her when she visits.
    Debt and mortgage free and saving for early retirement
    • hannahroberts1985
    • By hannahroberts1985 13th Mar 17, 4:25 PM
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    • 1,015 Thanks
    hannahroberts1985
    Sounds lovely. DS 1 is a very active child and ds2 is very unpredictable so I don't dare risk it. Plus it's a 40 miles to the closed supermarket so the £4 delivery charger per month makes it cheaper than driving. I now want coffe and a cake though :0)
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • hannahroberts1985
    • By hannahroberts1985 13th Mar 17, 4:27 PM
    • 688 Posts
    • 1,015 Thanks
    hannahroberts1985
    P.s I love hearing about grandparents looking after grandkids my parents both still work so can't help but I'd love a bit of a break if they could also it's so nice to know they are being looked after by someone who loves them as much as you do. Very lucky little girl xx
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • chelseablue
    • By chelseablue 13th Mar 17, 4:29 PM
    • 2,040 Posts
    • 2,493 Thanks
    chelseablue
    40 miles to the closest supermarket now in that situation I would def be getting it delivered.

    Do Asda deliver to your area? That's where we used to go before we moved town
    Baby Boy born May 2014

    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
    • chelseablue
    • By chelseablue 13th Mar 17, 4:31 PM
    • 2,040 Posts
    • 2,493 Thanks
    chelseablue
    P.s I love hearing about grandparents looking after grandkids my parents both still work so can't help but I'd love a bit of a break if they could also it's so nice to know they are being looked after by someone who loves them as much as you do. Very lucky little girl xx
    Originally posted by hannahroberts1985
    I agree it is wonderful if grandparents are available.

    Our son goes to nursery tues, weds, thurs but on a Monday and Friday he's with Nanny & Grandad.
    Baby Boy born May 2014

    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 17, 4:32 PM
    • 3,673 Posts
    • 6,600 Thanks
    enthusiasticsaver
    My two daughters were born 17 months apart and I did my shopping at 8 o clock in the evening when my DH returned from work and the girls in bed. Couldn't face dragging them round supermarkets and no online shopping then so think you are sensible to go down the Tesco delivery route. £4 a month is very MSE

    I say to my daughters now they are 29 and 30 they have all this choice with shopping and delivery of everything from food to takeaways, cat food, nappies etc. I don't think Aldis does online shops though do they?
    Debt and mortgage free and saving for early retirement
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 17, 4:37 PM
    • 3,673 Posts
    • 6,600 Thanks
    enthusiasticsaver
    P.s I love hearing about grandparents looking after grandkids my parents both still work so can't help but I'd love a bit of a break if they could also it's so nice to know they are being looked after by someone who loves them as much as you do. Very lucky little girl xx
    Originally posted by hannahroberts1985
    Yes we love having her and look after her one day a week minimum when my DD works part time and her other granny has her another day and she also goes to nursery. We all live in the same town and my DD and son in law are actually buying a house in our road so we will be in very close walking distance saves some childcare for DD and SIL. A shame your DPs aren't in position to help out. What about your ILs? Could they babysit?
    Debt and mortgage free and saving for early retirement
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 17, 4:39 PM
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    enthusiasticsaver
    I agree it is wonderful if grandparents are available.

    Our son goes to nursery tues, weds, thurs but on a Monday and Friday he's with Nanny & Grandad.
    Originally posted by chelseablue
    We do the same. We have our granddaughter Monday and her other grandparents have her Friday and she goes to nursery Tues, Wednesday and Thursday. My DD only works 5 hours each day so not a full day anyway. Great way to bond with grandchildren and help your children out at same time.
    Debt and mortgage free and saving for early retirement
    • chelseablue
    • By chelseablue 13th Mar 17, 4:46 PM
    • 2,040 Posts
    • 2,493 Thanks
    chelseablue
    We do the same. We have our granddaughter Monday and her other grandparents have her Friday and she goes to nursery Tues, Wednesday and Thursday. My DD only works 5 hours each day so not a full day anyway. Great way to bond with grandchildren and help your children out at same time.
    Originally posted by enthusiasticsaver
    We both work full time so they get the pleasure of a 2 year old all day

    It helps us out hugely as we only have to pay for 3 days nursery (and just the 3 days a week is £860 a month )
    Baby Boy born May 2014

    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 17, 5:59 PM
    • 3,673 Posts
    • 6,600 Thanks
    enthusiasticsaver
    We both work full time so they get the pleasure of a 2 year old all day

    It helps us out hugely as we only have to pay for 3 days nursery (and just the 3 days a week is £860 a month )
    Originally posted by chelseablue
    Childcare costs are extortionate. My DD is waiting until the 30hours free care for her DD kicks in before having another baby. Imagine having to pay for 2 full time!! Luckily my DD only works part time but I think even that is around £500 per month for 3 part days. I am sure your parents enjoy spending time with your DS. I always feel for friends whose grandchildren live a long way away or who don't get on with their children and never see their grandchildren.
    Debt and mortgage free and saving for early retirement
    • hannahroberts1985
    • By hannahroberts1985 13th Mar 17, 7:05 PM
    • 688 Posts
    • 1,015 Thanks
    hannahroberts1985
    Child care is sooo exspensive. Luckily DS1 turns three and gets his 30 hours a month after I return to work so it'll only be a month or so paying £900 a month for 2 days a week!! Madness! My mum and dad both work shifts so it's hard to and dp's mum lives a 2 hour drive away. I'd love to be able to help the boys out when they are older. My parents are both nearing retirment age but haven't decided when they will go yet. There will be some freedom in the future it just feels a long way away ha ha! I can't wait to book a hotel and get away with DP for dinner a few drinks and a lie in. X
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 17, 7:12 PM
    • 3,673 Posts
    • 6,600 Thanks
    enthusiasticsaver
    That will be something to look forward to.
    Debt and mortgage free and saving for early retirement
    • hannahroberts1985
    • By hannahroberts1985 15th Mar 17, 7:49 AM
    • 688 Posts
    • 1,015 Thanks
    hannahroberts1985
    Yes it will, maybe in a year or so.

    Right payday is here! No extra mat pay!! But after calling payrol they still haven't sorted these payments out yet phew I thought I wasn't entitled. We shall see. I have emailed and asked for an up on this so will see what they say but no one seems to want to answer questions incase they are wrong.

    I did however get a £350 bonus that's I wasn't exspecting so that was nice. I put £25 in the birthday fund for DP and I've kept £55 aside to get my hair dyed next week I'm just feeling so rundown I need something to refresh me. Other than that all money moved to bills accounts etc and any extra put into savings.

    I need to go onto the laptop and decrease the car savings to £20 per month instead of £40.

    DS1 is so poorly he's had s&d for 3 full days now poor little guy.

    Mother's Day and step mum's Birthday need to come from this payday so I will have talk with my sis and get these brought asap so I know where I am pocket money wise.

    The Star Wars bits on eBay end this week and it's looking like we'll make at least £130 this plus our savings standing order should take us back up to over £1500 in savings whoop :0)

    Think that's all to report. X
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • hannahroberts1985
    • By hannahroberts1985 15th Mar 17, 7:57 PM
    • 688 Posts
    • 1,015 Thanks
    hannahroberts1985
    Bit of a spendy day oops but I new it was coming. It's always around a certain time of the month (if you get me) that I get urges to shop and changed hair etc. Does anyone else get this?

    £30 spent on odds and ends and a scooter for DS1 he's still so poorly I wanted to treat him plus I've been eyeing one up to make our walks more fun.

    £29 spent on some new jeans nice 3/4's ready for summer.

    £20 on make up but I ordered my usuals from eBay as it worked out cheaper than boots.

    I still need a few flowers my mums best at flower shopping though so may give her a budget and tell her what I need filling and let her go shopping for me.

    and DP has just gone to fetch a dominos.

    This week has been soooo much hard work with DS being soo sick and me running on 2-4 hours of broken sleep a night I feel a bit refreshed after a little shopping trip and a take away treat today. So all in all I'd say it's a small price to pay for my sanity being restored!
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • hannahroberts1985
    • By hannahroberts1985 16th Mar 17, 6:13 AM
    • 688 Posts
    • 1,015 Thanks
    hannahroberts1985
    Oooh also forgot to post we spent £90 on tickets to a comedy gig in December for me DP and my dad. It's one of his fav comedians so I'll give him the ticket for his birthday.

    £18 spent on a dress in the sale and some tights for my friends birthday meal next Wednesday. It was in the sale and free delivery.

    That is it though!!! No more spending!!! I promise!!!!

    DS is up and had breakfast so now time to see if he's sick or not. Fingers crossed the sickness has passed poor little guy hasn't kept food down for 4 days now and he's so weak. He'll be off school again today but hopefully have a bit more life in him and we can play a few games etc.

    Dp's late shift tonight so he will pop to Aldi with a list I send later for nappies, wipes etc to last the month. X
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • hannahroberts1985
    • By hannahroberts1985 18th Mar 17, 9:07 AM
    • 688 Posts
    • 1,015 Thanks
    hannahroberts1985
    Thanks huskyrunner, I just adjusted my existing policy but I do use TopCashback for everything where I can :0)

    £42 spent on the next sale. Few jumpers for the boys next winter then a few presents for friends birthday to stash away so it'll save me money in the long run.

    Soft play date yesterday £20 spent total for play and lunch and cake.

    Soft play date again today but I think I'll just have a snack before I go as I'm feeling so bloated for eating crappy for a few days so I'll just spent entry and grub for DS.

    Dp wants to work his day off tomorrow as he's not at the stage where each car he sells earns him £100 and he's over the amount we need for bills so it's all extra for the savings.....I was looking forward to a nice day off together but I'll see how he does today and how I'm feeling later. He's s good egg. X
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • hannahroberts1985
    • By hannahroberts1985 20th Mar 17, 7:05 AM
    • 688 Posts
    • 1,015 Thanks
    hannahroberts1985
    Clear score updated the £1000 I paid of the cc in Jan has finally showed....it has had no effect on my credit score! Oops should have just kept the money in the savings as this would have probably helped the mortgage case more. !!!!!!!

    £50 spent on a spa day for my mum for Mother's Day. I'm pretty low in the pocket money account already. I'll work out what's left later and figure out how much I've got to play with for play dates etc. X
    OD £0 C Card 0% £2212.20 Now:£612 Loan£4540.84 Now:£3184.36 Next: £99Now £90 DFS £1017 Now:£369.99
    Total June 2016 £8996.47 Now:£4259.25= 52% Down
    Savings:£10,015/£20,000 = 50% emergfund: £732/£1000 Car fund:£5 Xs fund £54 B/day £15
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£35
    • nkkingston
    • By nkkingston 20th Mar 17, 11:40 AM
    • 417 Posts
    • 459 Thanks
    nkkingston
    Mortgage companies don't look at credit scores - those numbers are basically meaningless. What they'll be looking at is the total amount of debt as part of your outgoings to figure out 'affordability' - that is, how much money you've got spare each month for the mortgage. They tend to be very cautious about it too, so they're doing that calculation on the basis of a worst case scenario in terms of debt repayments and mortgage rates. The higher your deposit, the better the interest rate, but the smaller your debt the less likely you are to be turned down.
    Mortgage
    June 2016: £93,295
    July 2017: £81,691.11
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