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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 751Posts
    • 1,070Thanks
    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 26
    • MrsSave
    • By MrsSave 10th Jul 17, 11:37 PM
    • 1,321 Posts
    • 4,187 Thanks
    MrsSave
    I'm so sorry to hear about your little one. What a scary time for you all x
    YNAB - one of my favourite money saving tools
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • hannahroberts1985
    • By hannahroberts1985 16th Jul 17, 7:34 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    oMorning,

    Quiet few days as our router broke. On the plus side they sent two by accident and they sell for £30-40 on eBay whoop I'll take that as compensation for. Wing without internet for 3 days. That's not too cheeky is it

    Does anyone know how to change the title of your diary? Childcare bills are about to take over from the maternity pay struggle so I feel like I should chance it.

    Pay day has been and gone and I still feel like we're a couple of hundred short of where we need to be so once the DD to savings goes in I'll have to move it back again this month. Two months of big childcare bills before ds1's free childcare kicks in the we should be able to save a good £200-£300 a month on a normal month for DP lots more on a good one.

    Dp's pay this month is not going to be great again. But this month is looking s lot better already so next month should be good.

    Dp's birthday today he has 4 days off we have a day out planned but at a NT site so it'll be picnic ice cream spend and petrol spend. Then a trip swimming. He said not to get presents but I got him some new socks and a tray of Krispy kremes and have put some balloons round so he'll be happy enough with that. More for the boys really. Then I'll treat him to take away tonight.

    So planned spends so I stay on track
    Today:take away £20
    MondayS at school so hopefully NSD! I want DP to reseal the bath and sinks so must remember to nag him! Maybe get garden sorted and have a BBQ I'll get freezer meat out today for this. Weather looks great so prob get the pool out for the boys.
    Tuesday:NT £10 ice creams tea etc
    Wednesday: swimming £10 hopefully to early enough to be home for lunch but the cafe at the pool is so good so I'll need to behave and not say sod it we'll have lunch out!
    Then DP will be back at work and the temptations to do nice things and eat nice things will be gone.

    Boys had a trial at the childminders yesterday and it went really well which is nice. I have two weeks now with them there and me not back at work so I've written a big list of jobs that need doing around the house. I'm going to be cleaning and decorating for 3 of the days then take the last day as a me day. Lie ins, tv, baths, naps! If I can still sit still for that long that is!
    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 16th Jul 17, 7:36 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    oMorning,

    Quiet few days as our router broke. On the plus side they sent two by accident and they sell for £30-40 on eBay whoop I'll take that as compensation for. Wing without internet for 3 days. That's not too cheeky is it

    Does anyone know how to change the title of your diary? Childcare bills are about to take over from the maternity pay struggle so I feel like I should chance it.

    Pay day has been and gone and I still feel like we're a couple of hundred short of where we need to be so once the DD to savings goes in I'll have to move it back again this month. Two months of big childcare bills before ds1's free childcare kicks in the we should be able to save a good £200-£300 a month on a normal month for DP lots more on a good one.

    Dp's pay this month is not going to be great again. But this month is looking s lot better already so next month should be good.

    Dp's birthday today he has 4 days off we have a day out planned but at a NT site so it'll be picnic ice cream spend and petrol spend. Then a trip swimming. He said not to get presents but I got him some new socks and a tray of Krispy kremes and have put some balloons round so he'll be happy enough with that. More for the boys really. Then I'll treat him to take away tonight.

    So planned spends so I stay on track
    Today:take away £20
    MondayS at school so hopefully NSD! I want DP to reseal the bath and sinks so must remember to nag him! Maybe get garden sorted and have a BBQ I'll get freezer meat out today for this. Weather looks great so prob get the pool out for the boys.
    Tuesday:NT £10 ice creams tea etc
    Wednesday: swimming £10 hopefully to early enough to be home for lunch but the cafe at the pool is so good so I'll need to behave and not say sod it we'll have lunch out!
    Then DP will be back at work and the temptations to do nice things and eat nice things will be gone.

    Boys had a trial at the childminders yesterday and it went really well which is nice. I have two weeks now with them there and me not back at work so I've written a big list of jobs that need doing around the house. I'm going to be cleaning and decorating for 3 of the days then take the last day as a me day. Lie ins, tv, baths, naps! If I can still sit still for that long that is!

    Waiting for my official speeding fine to come trough now I've sent the form back saying it was me driving. It had made me super focused when driving now though so guess it working!

    Think that's all for now. Best go play with the kiddos DP stayed at a friends in town last night as they had a few beers so going to do a fry up when he gets home.

    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 17th Jul 17, 9:21 AM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    Sorry I've no idea how to change the name - I wonder if you can, but might be worth a google.

    I love how you pre-plan spending. I always try to commit to not spending and get annoyed when I do. Might be worth changing my mindset a bit to limit spending rather than avoiding it so I don't get mad at myself all the time.

    I do need to shop for a baby shower pressie for my cousin today. I'm going for clothes and keeping it nice and simple. Her friends (on a facebook group about the shower) seem to be having a one-upmanship competition about how much they're going to spend and who can get the best gift. I'm not being tempted to join in and leaving them to it!

    It's our pay days this week and next, but I'm sure we'll feel the same as you like every month - always a few hundred short of where I think we need to be.

    Have a great day
    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 17th Jul 17, 11:07 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    I feel like if I don't pre plan it as soon as I get into a shopping environment I'll just go mad then come on here and be annoyed at myself.

    I always pre buy baby shower, christening gifts too when I see them in the sale. Are you on the bargain finds for busy mums facebook page? I picked up a couple of playmobile archs £8.99 in Argos £32 on Amazon. We have a christening and twins birthday in October and thought they would make great presents for both.

    Today NSD is out of the windows popping to town to get mine and dp's hair cut as the other day didn't happen as ds1 was being a monkey. Gonna grab buns and have a BBQ later too. 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 18th Jul 17, 7:06 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Feeling deflated for a change again! Checked my bank and I have hardly any pocket money left after three days lots of free play dates for me and the boys needed to survive.

    Meeting my sister and her husband and kids today at a NT park. She messaged last night asking if we could go to a water park instead.....checked the website and entry would have been £60. I messaged back saying we couldn't afford it and they should go if they wanted to but they are coming to meet us and said she understands but everytime I arrange to meet her she always suggests cafes etc and she know we're saving and playing off debt and says she understands but I think until you've had to save £20000 yourself you can't fully understand. She was lucky enough her husband parents funded their house deposit. Just feels weird now today but sure it'll be fine once we get there. I can't wait until we have a house and can start spending money again. But the boys are still little and don't know any different so must stick at it. You don't need to spend money to have fun. Just wish my sister would stop suggesting these things as then I always have to say no then feel like she's disappointed with the day we have planned. If she does it next time I may have a quiet word and say it's upsetting and hard for me but to just bear with me while we save. 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 18th Jul 17, 7:20 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Also I need the message our landlord at a more reasonable hour asking if I can set up our payments through the credit ladder website which tracks the payments on your credit file
    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 18th Jul 17, 2:58 PM
    • 691 Posts
    • 1,503 Thanks
    reality_check
    I swear nobody understands the idea of paying back debt/saving money, when you tell them they look at you like you're mad then continue to invite you to expensive things!! This is like my sister - who continues to live beyond her means on credit cards and just isn't bothered about money. This did use to be me, so I probably would have been like this a few years ago and just though f@#k it, wack it on the credit card and justified whatever it was. You're so right about your boys being too young to understand and to them you can 100% do things that don't cost an arm and a leg and they will have just as much fun.

    I was telling my friend the other day about how I am paying off credit cards and hoping to never use them again, she has about 8 between her and her husband and although I don't know how much she owes, I know roughly her and her husbands wages do not match the life they lead, but she thinks that aslong as you can meet your minimum payments and keep getting 0% transfers on them then you are not in debt?! Crazy!

    Keep going, life will be full of so many more options once the debt is gone and especially when you've got your own house xxx
    Starting debt £18,675.63
    Current debt: £8,250
    • hannahroberts1985
    • By hannahroberts1985 19th Jul 17, 8:12 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Thanks reality your so right that was us a few years ago and we probably made the same comments to some of our friends. I just keep thinking how amazing our debt free day will feel!! I'm hoping to never use credit again (bar mortgage) and save up for everything we want to buy. It has been a great life lesson to learn though before I would just pop out and buy things and not look after them or appreciate them. Now I really do.

    Clear score up 44 this morning whoops. Landlord messaged too and he's fine with us using credit ladder so I'll set that up soon. Do you think it would go against us applying for a mortgage and being debt free? Maybe we once all paid off we will do that cash back credit card paid off in full each month? That's meant to help isn't it. But this to me just means your a month behind on life bills?

    Swimming this morning hopefully enough in my purse to cover this then DS has the dentist so I'll take him in for this and hopefully have change in my purse for a treat for him from the shops after......well don't your teeth are clean here buy a cake! Awful parenting I know

    May call the band and lower my DD on cc payments then up savings amount and a small change but I think we're at a stage where we could get a mortgage with our credit scores so now need the deposit more than the debt payments.

    We've been so busy with the boys the last few days going to have a chilled one at home with them tomorrow then they start the childminder for two half days so I have some time alone in the house to clean and organise! I'm so excited! I'm a bit feed up of the house right now so hopefully a bit of organisation and paining will get ride of this for a while.

    Right think I'm babbling again. 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 19th Jul 17, 9:40 AM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    It's a horrible situation to be in isn't it? I hate saying "I'm sorry I can't afford it". I don't know if I'm alone in this, but I find it really embarrassing to say we're paying off debt... like people will judge me for being stupid enough to get into debt in the first place... so we don't really share it. So when I say I can't afford something, people do look at me like "where does all your money go??". We've both got pretty good jobs so people must think we squander it all lol Maybe we should be more honest with people, but I just think it's none of their business.

    Anyway, keep your chin up Hannah - you're not alone. My sister has been fortunate enough to make her fortune. She's got more money than we could ever spend and so when she comes to visit (lives abroad now) she's always expecting meals out, afternoons in a beer garden when it's nice, to go to a show etc. Plus I always feel the pressure to buy the kind of food she likes (fresh, organic, top brands). She does treat occasionally and pay for a massive family meal, which is really nice of her, but then the weekend that she's over tends to cost me £200+ which I can't always afford. There's a pressure to visit her too, which for us and the kids is £600 in flights before we've started on the weekend spending

    Anyhoo, enough moaning. I just wanted you to know you're not alone. It's a hard situation, but you're getting there and will one day be debt free. When you're feeling crap, focus on the feeling you'll have when you can finally say you're debt-free and start saying Yes!

    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 19th Jul 17, 3:34 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    I think people understand though Debbie I don't think there are many people...certenly not many of my friends who don't like on credit these days. I just don't think many have had their light bulb moment yet. Keeping up with the Jones sisters ah! So annoying! I'd buy a few extra special bits for her visit but keep the rest the same. Yes organic etc is nice but normal food isn't going to kill her for a couple of days. It could be like a blind taste test take everything out of the packed and put it in bowls etc!

    Cheaper days than antisipated as the pool was closed when we got there so popped to soft play for an hour. Dentist also called to cancel so just had a nice hour getting jobs sorted with DP while the boys nap.

    Called the bank to lower cc payments but decided to ask how long the 0% term was and it works out that if I keep it as it is there will be £100 left when the interest goes back up so I'll keep it the same and try shove £100 extra at it at some point.

    Credit ladder application started just waiting for some info back from the landlord.

    Aghhh DS is coming down stairs best go 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 20th Jul 17, 9:40 AM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Morning quick pop in,

    I promise I'll be back at work soon then won't have as much time to babble!

    Massive cleaning list wrote for the next few days while the kids are at the childminder. I've decided to go on an eBay mission too. I want to make £110 to cover the speeding ticket and eBay fees! Just found a £10 iTunes card we've had hanging around since Christmas so that's gone on then when I sort bit out I'll pop them on.

    Few bits needed from the shops but I'm going to message DP to grab them after work as I can not be trusted!

    Other than that nice lazy day in with the boys. We'll go splash in the puddles later and have a walk once the rain stops.

    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 22nd Jul 17, 12:05 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Busy few days sorting bits and bobs while the boys are gone. I've got three massive bags full of baby clothes, curtains sorted and about to go and tackle the rest of the wardrobes. Thinking of doing a car boot next Sunday when DP is off work. Does anyone know if clothes sell well? I ideally just need it all gone in one day so don't want to waste a Sunday of that sort of stuff won't tell. 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 22nd Jul 17, 12:09 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Just seen q uidco bave £13 cashback on any dominos order over £10 so I've signed up with dp's email and we'll have a cheeky treat tonight after all the hard work. We collect as they don't deliver to our house and they do really good collection deals we both get a £5.99 pizza each so just £11.98 then he stash away a couple of bottle of Aldi Coke for when we have take aways and just pop one in the fridge in the morning. I never thought I'd like cheap Coke but grabbed a bottle a few months back just to see and it's actually quite good. It's the Aldi Pepsi max version. 59p for a big bottle we were both so surprised.

    Right I'd best stop putting of my wardrobe missions! 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 24th Jul 17, 4:43 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Omg big news!!!! DP's mum just called him and has sent him £8000!!!!!! She has just retired from the NHS and got a big pay out!!!!! DP is at work still. I'm in shock! Still only 50% where we need to be mortgage wise I think but I feel so much pressure lifted already!!! I hope this feeling doesn't last too long though as I need to knuckle down and save another £10000!!!! I feel like we've won the lottery!!! It will all be tucked away and trickle feed into our help to buy isa's! Eeeek

    Right back to reality £20 spent today £10 on lunch and £10 on a 6 week pass to soft play so that should kee us entertained for a while.

    £35 made from eBay so far item posted this morning. Still need to talk to my mum about the car boot Sunday.

    Eeeeek right best go entertain and feed 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
    • chelseablue
    • By chelseablue 24th Jul 17, 4:46 PM
    • 2,287 Posts
    • 2,813 Thanks
    chelseablue
    Omg big news!!!! DP's mum just called him and has sent him £8000!!!!!! She has just retired from the NHS and got a big pay out!!!!! DP is at work still. I'm in shock! Still only 50% where we need to be mortgage wise I think but I feel so much pressure lifted already!!! I hope this feeling doesn't last too long though as I need to knuckle down and save another £10000!!!! I feel like we've won the lottery!!! It will all be tucked away and trickle feed into our help to buy isa's! Eeeek

    Right back to reality £20 spent today £10 on lunch and £10 on a 6 week pass to soft play so that should kee us entertained for a while.

    £35 made from eBay so far item posted this morning. Still need to talk to my mum about the car boot Sunday.

    Eeeeek right best go entertain and feed the boys x
    Originally posted by hannahroberts1985
    Omg that's amazing! How lovely of her x
    Mortgage starting balance 26.02.16 £231,294
    Mortgage after Year 1 £225,078
    • hannahroberts1985
    • By hannahroberts1985 24th Jul 17, 4:53 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Just updated my signature! Eeeek!!
    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 24th Jul 17, 4:54 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Ok so this is also the first time in our lives we've had more assets than debt!!! Big day!!
    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 24th Jul 17, 8:07 PM
    • 276 Posts
    • 797 Thanks
    debbie_debt
    Omg big news!!!! DP's mum just called him and has sent him £8000!!!!!! She has just retired from the NHS and got a big pay out!!!!! DP is at work still. I'm in shock! Still only 50% where we need to be mortgage wise I think but I feel so much pressure lifted already!!! I hope this feeling doesn't last too long though as I need to knuckle down and save another £10000!!!! I feel like we've won the lottery!!! It will all be tucked away and trickle feed into our help to buy isa's! Eeeek
    Originally posted by hannahroberts1985
    What an awesome day! Congratulations!! I'd love to think I can help my kids out like that one day.

    Thinking about the baby clothes - let me know if you're anywhere near Lancashire as we're after a bundle of boys newborn, 0-3, and 3-6 month stuff if you've any of those I'll quite happily buy them off you! x
    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 24th Jul 17, 8:17 PM
    • 751 Posts
    • 1,070 Thanks
    hannahroberts1985
    Thank you Debbie. Having a beer and freezer pizza to celebrate.

    I'm Lincolnshire in afraid. I'd guess the postage would cost more than the clothes there is masses of them. 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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