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    • MrsSave
    • By MrsSave 17th Jul 16, 8:38 AM
    • 838Posts
    • 2,762Thanks
    MrsSave
    A pound stretching maternity
    • #1
    • 17th Jul 16, 8:38 AM
    A pound stretching maternity 17th Jul 16 at 8:38 AM
    This isn't my first diary on here, but as I'm now at a new chapter of my life I figured a fresh diary would be a good idea.

    I am almost half way through my pregnancy. I'll be 20 weeks in a few days. I also have an almost 3 year old son. I do also have debts. These are:

    1. Loan (set amount of £261.35 each month, except January). I have just over 4 years left on this. This is the result of lots of silly spending over the years, but since deciding to tackle these debts they have not increased so feel much more in control.
    2. Next bill (paying £50 a month at the moment)
    3. Mortgage (paying £601 a month).

    I hate having the loan and the next bill, but I feel in control of them. I know that one day they will be gone.

    Baby/pregnancy

    Dc2 is due just before Christmas. I will be taking 9 months of maternity leave, and will return to work (well actually search for work) next September. I am a teacher and a contract I am on (and have been since last September) is due to end around the same time I'm due to give birth.

    My hours are being cut in September, though. I will be working 1 day per week I will try to top this up with supply work, but will be limited to the days I can work as would need to arrange childcare for ds.

    Thankfully we have most things that we will need for the baby. I think all we have left to buy is a few bits of clothes (especially if we're having a girl) and a changing bag. Other than that I think we're doing ok. We kept everything from ds and have also bought when we have found bargains so are pretty stocked up.

    I've also already bought most of ds' Christmas presents (I know I'm super early). I buy when I see a bargain. I'll wait until closer to the time now to see if there is anything particular he has his eye on (so far, though, he has been too young to ask for anything).

    This all means that there shouldn't be major spending from now on.

    Maternity leave

    I hope I'll be getting maternity pay from work. I'm not permanent but have ticked the criteria for receiving it (worked for the correct amount of time, earnt a certain amount, etc). I'm still waiting to find out for sure. If not, I should be able to get maternity allowance. This bit is a waiting game!!.

    The plan from here on is to budget, budget, budget.

    I'm hoping that having this diary will keep me on plan, and if anyone sees the need to kick my butt, please feel free!!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
Page 13
    • MrsSave
    • By MrsSave 22nd Sep 16, 7:20 AM
    • 838 Posts
    • 2,762 Thanks
    MrsSave
    Didn't manage to update last night!

    Yesterday turned out to be a nsd. Yippee!!

    Didn't pick up the things from Argos as there was a problem with 1 item. I've contacted them online and it looks like they'll sort it out for me that way instead of instore. Fingers crossed.

    I've had a quick look at the next preview before tonight, and there's actually not much there that I'm interested in. Nothing for my eldest, and just a couple of possibilities for the baby. That'll make things a little cheaper!

    I've checked online banking this morning for my pending transactions as I'm being paid tomorrow to see how bad it was going to be. It was actually £100 better than I expected so I'm wondering whether that is because the sudden drop in income means that I've overpaid tax and it is a refund. I wouldn't mind a bit of that every month!

    I've got a hospital appointment this afternoon for my anti d Jab. Ouch. It's going to hurt big time! Think I have to have a blood test as well so it'll be a fun afternoon.

    No other big plans today, I'll probably dust the house and that's about it. Dinner will be last night's leftovers with a little extra veg to bulk it out.
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 22nd Sep 16, 6:55 PM
    • 838 Posts
    • 2,762 Thanks
    MrsSave
    Argos has been sorted. I've ordered 3 items.

    One item is from the old catalogue (apparently) and was being sold at £39.99 (still is in a lot of places). That was £19.99.
    The second item was reduced from £29.99 to £14.99
    The third item was/is £19.99.

    At full price I would have paid £89.97. With the reductions and the 3 for 2 I paid £39.98. Oh, and I asked for free delivery and they gave it to me without any questions. They should be arriving on Saturday. Woohoo!

    My anti d happened (as did the blood test). It was much less painful than last time. I actually barely felt it. I'm feeling all brave this evening now!!

    I've had another survey which pushed me up to the withdraw limit on Prolific. I've cashed that in and once it hits the account I will have £13 in the 'envelope fund' for all the extra bits we've got on next year. I'll take £10 of that out, and put it in the first envelope (which is bedding/lights for our bedroom once it has been painted).

    I need to contact my work agency tomorrow to let them know I'm available to work next Tuesday. I'm aiming to do 3 extra days next month, which will be an extra £200 ish by pay day. That's my aim!

    I'm desperate to hear from hr now about my maternity. I really want to know that I'm getting it and would love to see if I'm getting any extra (please, please, please).

    My mum is having ds for the morning tomorrow to give me a break. I'm so grateful as I've had the worst sleep ever this week and I'm completely shattered. 4 toilet trips and leg cramp last night! The biggest problem is that I struggle to get back to sleep once I've woken. I may even start wrapping tomorrow (or just standing in the nursery and staring at all the little clothes and feeling all broody!!).
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 22nd Sep 16, 7:18 PM
    • 838 Posts
    • 2,762 Thanks
    MrsSave
    I've just logged on to the next sale. It was awful. I'd made a list of a few bits for the baby. All gone, nothing at all left. There wasn't anything I wanted for ds anyway, so all in all that's probably the cheapest Next sale I've ever been to !!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 23rd Sep 16, 8:14 AM
    • 838 Posts
    • 2,762 Thanks
    MrsSave
    I can't believe it's Friday already! Ds is at my mums, Dh is at work, I am still in bed! I have checked the bank accounts, though, and have been paid! Dh's wages have also gone in. I usually move the money around on my big pay day, but I'm going to leave it in the wages account for a few days to see how far we can stretch what's left in the accounts. I would love to be able to stretch it to the 1st October, but think I may need petrol and a food top up before then.

    Today won't be a nsd. I'm treating ds to a happy meal this evening. He's swimming after school and we don't get home until 6:30 afterwards. Dh usually makes us all dinner by the time we get home, but he'll possibly be later home tonight. Ds's usual bedtime is lights out by 7, so if I made him dinner after getting home he would be pretty late getting to bed. I'll make something for me and Dh later so it's only the happy meal I have to pay for.

    I'm thinking of starting to wrap some Christmas gifts today. I didn't watch Eastenders last night, so I think I'll put that on the tv and wrap!

    I've checked my topcashback account, and the whole lot from Asda is in there waiting to be paid. I currently have just over £100 in topcashback. I'm just waiting for the money to become available (that could take weeks!!). The £5 survey money is already in the account so I'll need to take £10 out to pop in an envelope. I also need to take some out for this weekend's spends.

    I'm popping to a baby selling event on Sunday (well, clothes not actual babies!!). I may see if I can pick up a few vests/sleep suits as 'spares'. I also want to get a grobag for the baby. I've got a couple after ds, but he was born in the middle of a hot summer (we had one once) so they are a lighter tog than I'd like for the baby. I found the grobags fantastic.

    Right, I need to change the ink on the printer now. I've bought a cheaper, refurbished (do you call ink refurbished?) one so fingers crossed it will work! I'll then see about selling the old, empty one on eBay. I had a few here a while ago and they went well on eBay!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 23rd Sep 16, 11:53 AM
    • 838 Posts
    • 2,762 Thanks
    MrsSave
    I've wrapped the baby's gifts from Santa (though to be fair there actually weren't that many! I'm sure the little one will make up for it next year!!). My mum is coming to collect them later to put up her attic until Christmas. I'm pleased I'm only doing a little at a time. I'm aching and tired after just a few! Back to bed for an hour before I need to get sorted for the rest of the day!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 23rd Sep 16, 9:15 PM
    • 838 Posts
    • 2,762 Thanks
    MrsSave
    LSD today. I took ds to his swimming lesson this evening, but we arrived super early so went for a walk around the shops. I saw a book in poundland called 'I'm a big brother' and was all about what a big brother does when the new baby arrives. It was so cute I had to get it, and at a £1 it was a bargain! I did also take ds to McDonalds (but me and Dh ate too!). It came to under £9 for the 3 of us, so today's spends were under £10.

    My lower back is aching like mad tonight. It should be back to normal (whatever normal is!) by morning so not worried, just uncomfortable. I've had a message asking me to do extra teaching on Monday, Tuesday and Wednesday. I already work Mondays so that's out of the question, and I have no childcare for ds on Wednesday so that's a no as well. I've told them I can do Tuesday, but haven't heard anything back so we'll see. 7 1/2 weeks until maternity leave starts!!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 24th Sep 16, 11:03 AM
    • 838 Posts
    • 2,762 Thanks
    MrsSave
    I've been having a think this morning about Christmas 2017 I've been trying to decide the best way to save where there is no risk of me dipping into funds. Money is going to be pretty tight for the next year now so I'm worried there are months where I'll 'borrow' from the Christmas fund.

    The first option I looked at was Park vouchers. I've never done these before but see that people rave about them. The problem I'll have is that I buy gifts when I see a good offer/discount all year round, so by doing this will actually end up spending more/having less. I did notice one which was a combi between tesco and love to shop, but £300 was the minimum and only £50 of that was tesco, the rest shopping. That's no good.

    I then thought about a supermarket Christmas saver. The Asda one looks good. You put money on the card as and when. If you manage to top up £144, you'll get a £6 bonus. The only problem is that my nearest Asda is around an hour away and you can't do it online.

    The Tesco Christmas saver with clubcard means tying up tesco clubcard vouchers for the year. I was happy to do that until they announced they were stopping the double up boost. I now prefer to use the clubcard vouchers for days/meals out.

    The Tesco stamps are ridiculously old fashioned, the machines are regularly out of stock at my local store and where on earth do I find that many pound coins from? I usually pay for things on my card so that wouldn't work well.

    Morrisons is my other close by supermarket, but again they do the stamps.

    So.........I've decided to pop into Poundland and pick up one of their tin money boxes that you need a tin opener to open. I thought I could put the money I want to save for Christmas food and Christmas days out in there each month. I know I won't get any interest on it, but it seems to be the option that will work best. I'm going to need to be desperate for that money to open the tin early, whereas if I just put it in an envelope, that's too easy to access.

    Back to 2016

    I've been struggling to know what to buy our eldest nieces and nephews who are nearing teenage years. I've had a good think this morning, and I may get them cinema gift cards each. I know they enjoy going to the cinema so it will be something they use. It's so much easier when they're younger to buy toys!!

    If anyone has another plan for this saving money business, please help!!!
    Emergency fund #16 £111.36 Premium Bonds £1000
    Loan repayments: 13/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 24th Sep 16, 12:22 PM
    • 432 Posts
    • 762 Thanks
    hannahroberts1985
    You have been having a big think haven't you. I have a seperate instant acess saving account which a dd goes into each payday. That was
    When I see bargains I buy them and transfer thenkney straight to my normal account. I haven't really thought about planning for food shop but we don't go crazy at Christmas I always buy a few extra bits each shop in the run up the just the pimped up Sunday dinner shop and a bit of cheese etc normally does us. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1972 Loan£4540.84 Now:£4151.22 Next account: £49 Now £0DFS:£1017 Now:£787.51
    Total Debt June 2016 £8996.47 Now:£6905.7223% down
    Savings:£1676 Car mot/repair fund £80 Christmas fund £35 Birthday fund £45
    Noodle June 2016: 548 Now: 569
    Clearscore July 2016:448
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