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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 751Posts
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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 25
    • debbie_debt
    • By debbie_debt 26th Jun 17, 5:09 PM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    That was very disciplined of you! Well done :-) I ended up getting the mcds, but got a deal for completing a survey with a code on my last receipt, getting a Big Mac and chips for £1.99, which fed us both for lunch (he only ever eats chips there anyway lol). I didn't think £1.99 for lunch for 2 people was too bad!
    Emergency fund £435.09/£1000
    L.B.M. 21/09/2016 DEBTS = £30,854.38 09.08.2017 DEBTS = £12,380.09
    • hannahroberts1985
    • By hannahroberts1985 26th Jun 17, 5:36 PM
    • 751 Posts
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    hannahroberts1985
    Good work ha ha I work there so long as you don't fall for the "would you ljke a drink with that" line your onto a winner with the £1.99 code. If you complete the survey every time you'll get a new voucher. If your instore make sure to ask for a receipt for a new entry code x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • debbie_debt
    • By debbie_debt 27th Jun 17, 7:37 PM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    Cheers Hannah. I was cheeky - my little one had his juice bottle in the changing bag and I had half a bottle of diet coke so we quietly swigged at those instead of buying more drinks haha I didn't get a new receipt though! Gutted.
    Emergency fund £435.09/£1000
    L.B.M. 21/09/2016 DEBTS = £30,854.38 09.08.2017 DEBTS = £12,380.09
    • hannahroberts1985
    • By hannahroberts1985 30th Jun 17, 7:13 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    I wouldn't worry they make that much money you sneak in those drinks ! Defo don't forget to ask for a receipt next time.

    Lovely few days for DS's birthday our plans to go to a zoo Wednesday had to change as it was rain all day so went to The National Soacw Centre £28 entry £3 on drinks and £2.50 on a fridge magnet. Quite restraint spending wise fornus on a day out. Yesterday was a named as we stayed in and took a walk with his new bike and had lots of family popping in to visit. We had planned a trip to one of the National Trust parks today with my dad and his wife but it's cloudy and damp so not great for chilling in a beautiful park. We were thinking of alternative ideas with my dad yesterday and he said he would pay for the zoo I told him I felt bad him paying but with mat pay and saving we just couldn't afford it after the day out Wednesday. He insisted though I said I'd make a big picnic for us all and he also said not to worry and he'd get lunch. I do feel bad but then he has a massive house and a good job so need to swallow my pride and just enjoy the day. He wouldn't offer if he couldn't afford it so today should be a nice day.

    I need to make a shopping list for the BBQ Sunday and stick to it!!! Maybe I'll send DP as I'm awful at sticking to a list! I wonder if there is a forum with tips to help with that!

    DP got paid but were about £100 short for bills but I should be getting a nice three weeks full time pay on the 15th so that'll sort things out and hopefully we can save a bit this months that £2000 hasn't moved in months! I'm so glad it's there and hasn't had to be spent but it seems to be taking ages to save.

    I got a speeding ticket though yesterday ! My first one in 12 years of driving! I knew it was coming one bit was crying in the car and the other was crying and pooping! I was just distracted! So annoying I have drove that road 100 times! I knew it was coming as I saw the flash! I'll get the form sent back asap and see the damage. It's all changed hasn't it and goes on your wages I was 34 in a 30 so it's 50% of a weeks wages and three points I think. Not sure how they work out how much wages your on. Guess it'll teach me to try and ignore the boys more and focus on driving!

    Think that's all for now. Dinner prepped in the fridge ready to throw in when we get back as I was worried we'd stop somewhere for food after a long day out. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 1st Jul 17, 7:04 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Just in bed having a brew before the boys wake up. Today's mission's:

    Cut grass and tidy garden with two boys in toe!
    Write shopping list for BBQ tomorrow and STICK TO IT!!!!

    Wish me luck!
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • debbie_debt
    • By debbie_debt 3rd Jul 17, 8:10 AM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    Hannah,

    We've all been there with distractions in the car - me too the other day when my mum had had a stroke. The whole 'new system' of fines that was doing the rounds on Facebook was a farce don't worry - it's still a fixed fine. The percentage of your wage only comes in if you refuse to pay and go to court. It's a guide for the judges.

    Have a great day at the Zoo!!

    Debbie
    Emergency fund £435.09/£1000
    L.B.M. 21/09/2016 DEBTS = £30,854.38 09.08.2017 DEBTS = £12,380.09
    • hannahroberts1985
    • By hannahroberts1985 3rd Jul 17, 11:03 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Oooh thanks Debbie I just re read the letter and looks like the fine will be £100.....on the wages scheme I would have probably paid less due to being on mat pay. Booo! Oh well I will learn from it.

    DP took £20 cash from a cash machine on a day out last week and we can't find it anywhere! Our only answer is he was distracted by one of the kids and left the cash in the machine! Wahhh we are throwing money away this month!!!

    Roll on next Friday for payday. I'm trying to not wish away the time and enjoy my last few weeks mat leave. It's so easy to just keep counting down until payday!

    I saw a good post on facebook. "Don't wait for things to be perfect before you begin to enjoy yourself" this really made me rethink. I do spend a lot of time worrying over money and being annoyed we don't own our own home/hating the house we rents as it's so cheap so we can save more. I must stop wishing time away and enjoy the here and now. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 3rd Jul 17, 2:45 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Oh my days Debbie just siting have a brew and realised I didn't say how sorry I was about your mums stroke. How is she? Sorry for my rudeness I will blame it on the kids distracting me......hummm guess I haven't learnt to focus just yet. Xx
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 4th Jul 17, 1:30 PM
    • 751 Posts
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    hannahroberts1985
    Not much to report today.

    Popping to the social club with my neighbour later but I'll just stick to a couple of drinks as it's dp's day off tomorrow and I don't want to spend the day feeling awful. We've said we would go swimming so £8 ish spend. We normally have lunch at the leisure centre after as it's a 40min drive away but we will head over early enough to be home for lunch as we cannot afford lunch.

    Ds1 has dropped his 2 hour afternoon nap! Aghhhh!! I need to stop stress eating sugar based products to get me through the afternoon! just letting him have half an hour to time and I'm having a brew and a chill. I need a little zone out time to make it through the day sane I think. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • debbie_debt
    • By debbie_debt 5th Jul 17, 8:01 PM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    Oh my days Debbie just siting have a brew and realised I didn't say how sorry I was about your mums stroke. How is she? Sorry for my rudeness I will blame it on the kids distracting me......hummm guess I haven't learnt to focus just yet. Xx
    Originally posted by hannahroberts1985
    Thanks Hannah, yes she is. It was minor and in the center of her brain, meaning it thankfully hasn't effected her mobility and can use all 4 limbs etc. She's just incredibly tired (sleeping 20+ hours a day) and has poor short term memory. It could have been much worse so you have to be thankful for these things.

    As for the sugar-based products, I don't blame you! I'm all over them at the minute. I went to sainsbury's yesterday and ended up buying way too many bags/boxes of cookies and dohnuts etc that were 20p a pack. My freezer is now full of them

    Debbie
    Emergency fund £435.09/£1000
    L.B.M. 21/09/2016 DEBTS = £30,854.38 09.08.2017 DEBTS = £12,380.09
    • hannahroberts1985
    • By hannahroberts1985 6th Jul 17, 9:36 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Glad it was just a small one Debbie. It sounds like she is making a good recovery. Fingers crossed she continues to improve once her body has rested up. Also 20p cakes! Winner!

    Sooo I spent some money. I went to the social club with my neighbour for a few drinks and a few drinks turned into going to town. £30 spent in total so not horrific but still money I didn't really have to waste on drunk. It was a good night though and doesn't happen often so trying to not feel to guilty. Probably the last night out I'll have this year once I'm back to work and things get crazy busy. We used to go out a lot when we lived in town and pre kids but living out here has really cut that down which was needed anyway. Plus hangovers and kids do not mix! I'm happy with a couple of nights out a year.

    Just dropped ds1 off at preschool and ds2 is up napping so I'd best get the house straightened up a little x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 7th Jul 17, 8:42 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Morning quick pop in before we head out and potentially spent money.

    Meeting some friends at a nature park £2 parking then the only other cost should be an ice cream for DS and maybe a tea for me.

    Also need to pick up a present for a party we are going to tomorrow. I have gifts stashed away but this is a one year old and nothing suitable. No shops really near where I'm going so I'll see what I end up doing.

    Picnic packed last night �� Must remember to pack snacks too I forgot these on our last day our abd ended up spending £4 on a macaroon and juice box that DS hardly touched! Grrr!

    £34 pocket money left to last a week. We have DS's school trip Tuesday but again that'll be picnics and ice cream costs. Going for dinner with my girlfriends next Friday so I need to grab a present for that too maybe pick that up today too to save going again.

    Think that's all for today x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 9th Jul 17, 10:46 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Eugh just checked all accounts and I think when I get paid we're going to need about £500 to get things back on track. £243 is coming out of my wages into the childcare voucher fund. I didn't realise things were do behind with dp's couple of low pay days. !!!!!!y! This month his pay will by be good either. I'm hoping I get paid about £1500 which would leave £150 ish for savings I was hoping for more like £500! I knew these months would be tough. Just feels so tight right now.

    I was planning on popping to the shops for a few bits as we need bread and milk and could do with some more fruit and veg but after checking accounts I think I will go have a rummage in the kitchen and meal plan and send DP hopefully just for bread and milk. The aim is to not buy food until payday Friday! I have enough fruit and veg in for the kids. I'm trying to be healthy but I'll have to just make do with what's in until payday! I can't keep seeing food and petrol as an essential! I know the kids eating healthy and the school runs are essential but other trips out in the car should be seen as a spend and so should my food shops! I really need to get my food shopping under control! If I get time later I may see if there are any forums I can read for inspiration! I know I just need to meal plan. It's not really the evening meals I struggle with it's lunches I always just pop out got a few bits and never really plan these.

    I was thinking about when I'm back at work this morning too and how I tend to pop to shops for bits as I'm in town. That's something I need to watch out for. Maybe I should leave my purse at home and leave my bank card in the car and take cash for planned spends. we shall cross that bridge when we come to it but that is an area where I need to carful not to slip.

    DP said the iron isn't working properly....I'll try iron some bits soon and see what I think. We can't have it conking out on us as we both wear shirts for work.

    Two more pay days of struggling hopefully then there should be some spare cash to save this £2000 has been still for 5 months now and it's depressing me a little!

    Right best go entertain the boys. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 9th Jul 17, 11:33 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Entertained ds1 by cooking mini muffins for them both for lunches and also found a bag of vegi sausage rolls in the freezer so cooked those up too. We have a few picnics this week.

    I think we just need break, milk and peppers for this week. Whoop! I was planning of popping to Tesco this morning and would have spent £20-£30 in guessing!
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 10th Jul 17, 7:27 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Quick check on the bank accounts this morning and I hadn't taken into account child benefit payment that it's not as bad as I though. Still not as good as I'd like though. Nice surprise though. Ah !!!!!! litterslly hust remember I have the speeding fine to pay.....it was as bad as I though!

    Gift ordered for my friends birthday on Friday as I didn't make it to the shops Friday didn't go out sat evening either as ds1 got rushed to hospital in an ambulance Friday he is all good now though just tired and recovering from the drama.

    £10 left in the bank ds1's school trip to a farm tomorrow and me and ds2 are invited. We'll make pack lunch then grab an ice cream.

    Going to book a Tesco shop for Friday payday but meal plan and only do a small shop hopefully!! I had a look for food shopping forums and couldn't see anything I'll try again today maybe. I need just something I can read to keep me in line and get some new habits from.

    Right best go feed the kids x
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • hannahroberts1985
    • By hannahroberts1985 10th Jul 17, 7:29 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Oh also at the mo I pay £30 a month of the cc minimum payment is only £12 �� of lowering this a bit and upping the saving by the amount I lower it by........I know it won't be much but I doubt a small cc debt will effect a mortgage app where as a smaller deposit would.
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
    • reality_check
    • By reality_check 10th Jul 17, 8:54 AM
    • 690 Posts
    • 1,492 Thanks
    reality_check
    Oh gosh, just read about the ambulance, you must have got such a fright! Glad he is ok

    I could also do with shopping, but I NEED to survive with what is in until pay day. I say I could do with shopping, but really my freezer and cupboards could feed the street for a few weeks! It is lunches I struggle with too, always easier to make dinners that can be used as leftover the next day, but I am limited with mince/beef based things for this as hate reheated chicken. This plan doesn't work out too great as most of my dinners are chicken based or fish.

    Shame about the under payment but you're doing so well not touching that £2,000! x x
    Starting debt £18,675.63
    Current debt: £8,250
    • debbie_debt
    • By debbie_debt 10th Jul 17, 2:24 PM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    Hannah I hope the little one is Ok! I've only had to call 999 once and that was for my little one. Scariest night of my life.

    Well I'm with you on the food shopping budgeting. I keep trying to get ours lower and stop getting a take away when I decide there's nothing in, whereas actually you could feed a small army with what's in my house. I've reached that stage of pregnancy when you just was to sit all the time though, meaning I'm not feeling the cooking vibe haha.

    There are loads of boards on here with cheap meal ideas so so have a look round. I think some are under the old-style money saving area, or just do a forum search. The fiscal fast boards are good for that too.

    Good luck!
    Emergency fund £435.09/£1000
    L.B.M. 21/09/2016 DEBTS = £30,854.38 09.08.2017 DEBTS = £12,380.09
    • culpepper
    • By culpepper 10th Jul 17, 2:38 PM
    • 3,875 Posts
    • 7,068 Thanks
    culpepper
    Hello . Do try the old style boards for food shopping info , everyone is very friendly .
    • hannahroberts1985
    • By hannahroberts1985 10th Jul 17, 4:49 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Oh thanks for the advice. Not sure what the old style forum is I'll try find it.

    I know what meals are cheap to make etc....it's just I get to the shops and go mad or use petrol as if it's not an expense for a day out etc. Kinda hard when you like in the middle of nowhere.

    X
    I was so traumatised by the whole ambulance situation I've been having nightmares. I got woken up by some cats fighting the night we got back from hospital and I woke up and vertically attacked DP trying to get him awake and out of bed to go save DS. I had a much betttwr nights sleep last night so fingers crossed they'll settle now. The worry really does strange things to us doesn't it. X
    Deposit £13379 £20,000 66%
    emergency fund:£0/£1000
    Christmas fund £35.25
    B/day £0
    Noodle: me: 614 DP:576 Clear: 499 DP: 414 mse:970/58%
    Family loan £7000/£6500
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