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  • FIRST POST
    • MrsSave
    • By MrsSave 17th Jul 16, 8:38 AM
    • 998Posts
    • 3,031Thanks
    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 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
Page 14
    • MrsSave
    • By MrsSave 30th Sep 16, 7:50 AM
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    MrsSave
    I only woke twice last night

    Today won't be a nsd (but I have managed 3 this week ). I'm having my haircut this afternoon (though will probably be the last cut before baby makes an appearance!). I've been growing it out so that it's easy to tie back/put up once baby is here so just a little trim today.

    Ds has swimming this afternoon. I may take him into town a little earlier to pop to a couple of shops. I have a voucher for a free no7 lipstick, which runs out today. We're also running out of satsumas (they were really tasty ones this week) so will buy some more. I also need to put some petrol in the car. I'm also thinking about popping to pick up the bedroom bits from Wilko with the money in the envelope. Definitely not a nsd today!!

    My overtime money should be in the bank by 9:30am. I've had a text to say it is going in, and I've been underpaid by £10. As it is through agency they take out holiday pay from your wages each week and you can ask for it back when you want it. When I signed up I said I wanted it paid out every week, and the contract I signed showed this. This hasn't happened and they've taken the holiday pay from me. I should be getting it back next week, so will phone up later to check.

    Once the money has gone in I'll make sure the money is all transferred ready for October. Dh's pay has gone in today already.

    I may start putting things in the hospital bags today. As well as a bag for me and baby, I'll pack things in ds's little case as when I end up going into hospital, he'll be having a sleepover at one of his grandparents houses!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 30th Sep 16, 2:17 PM
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    MrsSave
    I've just got back from the hairdressers. As I was only having a trim, they asked whether I wanted the cut and blow dry I'd booked, or just a dry trim. I decided just to go for the dry trim today, and it's half the price!! Today's hairdresser appointment has cost me £12. I'm very impressed with that. I have booked in one more appointment for before baby arrives, but I may cancel that closer to the time as it's very close to my due date.

    Overtime money went in this morning and I phoned up to tell them about the holiday money. Apparently, discussing it over the phone and them then sending me an email stating what we discussed isn't enough. They need it in writing! Though, whilst on the phone, the man I spoke with sorted it out there and then so nothing for me to do. We'll see next week if I get the extra bit!

    I'm on post watch at the moment for my maternity info from hr. It's been almost 2 weeks since I handed in my matb1 form. I've got another 6 weeks until I start my maternity leave. Plenty of time, but I'm so impatient!!

    I placed a wine order with the wine club I'm a member of today. I was going to wait until Christmas, but because I haven't placed an order in a long while, they added 3 free bottles to my basket. Once I placed the order (cost £3.14 after taking off what I had in the account for 15 bottles!) I clicked through to take a 3 month holiday from them. As money is so much tighter at the minute, I figured that the wine club was a definite luxury that can be avoided. The wines at Aldi are supposed to be brilliant, so what I intend doing from next year is putting a little away with the Christmas food each month and then buying in Aldi. It's only a £10 per month saving (well £5 as I'll still be saving a little), but I guess every penny helps!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • louby40
    • By louby40 1st Oct 16, 5:08 PM
    • 546 Posts
    • 1,277 Thanks
    louby40
    I buy Aldi wine and it's fine. They do one for under £4 and it's perfectly fine. A true wine expert would say differently I'm sure. Even the Cava and Prosecco are good!
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • MrsSave
    • By MrsSave 2nd Oct 16, 6:09 AM
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    • 3,031 Thanks
    MrsSave
    Thanks louby. I'm definitely going to give it a go, will save a few pounds!

    Yesterday was a low spend day. Spent £3.39 on Saturday night treats. We had over £4 left over in our weekly food pot so it came from there.

    My mum had been given a £10 high street voucher, and gave it to me as well so in theory I came home with more money than we went out with!

    I slept a lot of yesterday again. Most of the afternoon! We went out for food last night, but my parents paid. We're going to the inlaws for Sunday lunch today, so it should be a nsd. We won't have time for any shopping!!

    My work day has changed this week because I've got a hospital appointment tomorrow. In theory work should just allow me to have time off for appointments, but because I work so part time I felt bad so asked to swap days instead! I'm Working Wednesday this week instead. I haven't heard anything yet about overtime on Tuesday, but if I get offered then I will take it.

    Ds had a look through the Smyths toy catalogue yesterday and loved loads of different bits! Thankfully his Christmas gifts are finished or I could spend a small fortune again! I wrapped his gifts from Santa yesterday morning whilst he was out with Dh, so that's a job ticked off the list!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 2nd Oct 16, 7:37 PM
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    MrsSave
    I found time to spend! Oops! I took advantage of the Works 10 for £10 on children's books and 6 for £10 on novels. I spent £20 but got free delivery and 16 books for Christmas/birthdays for people. I also got almost £4 in cashback from it.

    I've decided to use the £10 voucher for Argos. Ds has wanted to get baby a Christmas present from the 2 for £15 toys there, so I've added 1 more gift to that. Total is £15 but using £10 vouchers so in total will cost £5 for 2 gifts. I'll be collecting them tomorrow.

    We had a lovely lunch at the inlaws today. Ds had a good time playing in their garden as well. The weather was gorgeous!!

    I'm going to do the weekly food shop tomorrow after the hospital appointment as it saves driving into town on another day. I'm going to pop to Aldi for some and then get the fresh fruit from Tesco. Hopefully save a little from just using Tesco. My budget is £30 but I'm hoping to be quite a bit under tomorrow.
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 3rd Oct 16, 7:37 AM
    • 512 Posts
    • 865 Thanks
    hannahroberts1985
    Morning,

    I hope your appointment goes well.

    Sounds like a few more Christmas bits off the list well done. The works book deal is too good to miss out on isn't it! I have a load of childrens ones stashed away and when DS is really good I give him a new one. It's really cute your DS is picking out presents for the baby. Sounds like he's going to be a great big brother. Xx
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 3rd Oct 16, 6:44 PM
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    • 3,031 Thanks
    MrsSave
    Thank you

    The appointment went ok. Baby is breech, but still time to turn so not too concerned about that yet. I was hoping to be discharged by the consultant thinking everything was going really well, I've not had to go into hospital at all, etc. but they won't let me go!!! A few things 'could' have gone wrong last time, though despite everything ending up going really well with ds I'm high risk for things going wrong this time. It means I'm at a slight risk of early labour, am unable to use the midwife led unit (even though it's in the hospital itself) and will have to have a cannula (those things scare the life out of me) in my hand from the start of labour in case I need putting on a drip! The good news, though, is that baby is looking good and is already over 3 lbs.

    I have to go back in 6 weeks for another scan so fingers crossed baby will be head down by then! The consultant started talking about my birth plan, etc. It still feels far too early to be thinking about that!!!

    I picked up the things I wanted in town today, though I did throw random things into the trolley at Aldi and tesco! The total bill still came in at under £24, so well under budget.

    I spent last night and today looking at switching mortgage. We've still got a year left of our fixed deal, but the interest rate is quite high in comparison to offers out there today. I've worked out that if I was to switch now and pay the fee for switching early, I would still be £800 better off by this time next year. It seems like a no brainer. It would bring the monthly payments down from over £600 per month to around £470. The extra money each month would then mean we would be able to save a little each month whilst I'm on maternity leave. It will leave me feeling happier, because we were at the point where every penny of our income was pretty much accounted for. I'm going to look through it again with dh this evening, but it all looks straight forward enough.

    I'm then going to look at different savings accounts. I may open a regular saver, which seems to have an ok interest rate. I'll look to see what other options we have as well.

    I'm not working tomorrow, but to be honest I'm pleased. I had a little snooze this afternoon, after only 3 hours sleep last night. Ds will be at my mum's for the day tomorrow (other than school) so will have a lazy day. I'm then working Wednesday this week.
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 4th Oct 16, 9:51 PM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    So, today I've given my YNAB a bit of a makeover! Sorted out categories, made everything easier to read, etc. I've also reconciled so that everything is up to date and matches our bank accounts. I've withdrawn the premium bonds money so am just waiting for it to reach our account now. I'm hoping that will be before the end of the week so that I can pay the erc on the mortgage and get it switched.

    This now means, though, that my emergency fund is going to be £0. Yikes!! I know that's not good, but I'm aiming to build it back up ASAP. I'm aiming to get £200 in savings by the end of the year.

    I'm in work tomorrow so Dh has to take a day off to look after ds. They'll both enjoy that!! Tomorrow should be a nsd (today was!), though that will be the last of them this week!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • hannahroberts1985
    • By hannahroberts1985 5th Oct 16, 7:51 AM
    • 512 Posts
    • 865 Thanks
    hannahroberts1985
    Morning,

    Hope your work day goes quickly. Even thought your emergency fund has gone in the long run you'll be a lot better off for it so a good decision I think. X
    OD £1200 Now£0Credit Card 0% £2272.20 Now:£1912 Loan£4540.84 Now:£3959.14 Next account: £49Now £17[£1017 Now:£741.26
    Total Debt June 2016 £8996.47 Now:[COLOR="DarkOrchid"]£6599.40/COLOR]26% down
    Savings:£1875 Car fund:£150 Christmas fund £0 Birthday fund £60
    Noodle June 2016: 548 Now: 581 ClearScore: July 2016:448 msescore:791
    • MrsSave
    • By MrsSave 5th Oct 16, 7:54 PM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    Thank you I know it's the right thing to do, but it's still a little scary short term!

    Work went well. I'm really enjoying doing this job part time. I go to work, teach, mark, plan a little and I'm home at a decent time. It's what I wanted from teaching without the rest of the rubbish!

    Today has been a nsd. That's the last of them this week now.

    I still hadn't heard from hr so I contacted them asking whether they could give me a breakdown of what I'll be getting. It works out I'll be getting 4 weeks at 100%, 2 weeks at 90% then 33 weeks at smp rate. That's better than I thought. The best bit is that it has been worked out based on my wages when I was almost full time

    I've been had my £25 voucher from M&S for taking out their credit card. I need to use it by December 10th, so will pick up some food bits to put away for Christmas.

    Premium bonds money isn't in the account yet. I'm hoping it will be in by tomorrow, or Friday at the latest. The bank have sent a message saying that the changes to our mortgage have been approved Just need the money now to pay the fees
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 5th Oct 16, 8:04 PM
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    • 3,031 Thanks
    MrsSave
    I've just checked topcashback, and I had £30 ready to be paid out

    Today has been a good money day. I wish every day was like this
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 5th Oct 16, 8:26 PM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    Oh, and the next loan payment has gone out today, which brings the total to under £12,000. Afternoon starting at over £15,000 it's so nice to see this going the right way!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 6th Oct 16, 4:31 AM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    I was awake so decided to check the bank accounts on the off chance the money had gone in from Premium bonds.....and it has

    I've paid the ERC for switching the mortgage, and it was a few pounds less than I thought as a few days had passed since having the quote from them. I also opened a 12 month savings account last night. It's got 5%, payable after 12 months, though it is also instant access. I've decided to split money between a couple of savings accounts, this one with the high interest, and another lower interest one. The thought is that if we do need to dip in a thing some point, then I won't be touching the high interest one, and that will be my emergency fund. I needed £1 to open it, so my emergency fund is currently £1

    I've also just checked the Tesco credit card and compared it to this point last month. By this date last month I had 26 transactions on the card, this month I've got 13. finger crossed I can keep it low for the whole month.

    Today won't be a nsd. I'm taking ds for his haircut this morning, and then will pop to co-op later for poppadums to go with our curry tonight. The same meal as last night, and to be honest it wasn't all that nice! The first disappointing slow cooker one I've had from the dump bags. Will still eat the rest tonight, though!! I love curry, but have never made one that tasted as nice as from a jar (or definitely not as nice as from the local restaurant!!!).

    I'm not planning any other spends today (unless the erc payment counts!!!).
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • Purplemumof2
    • By Purplemumof2 6th Oct 16, 5:21 AM
    • 3,924 Posts
    • 11,525 Thanks
    Purplemumof2
    Morning,

    You're up earlier than me this morning

    Well done for getting your debt down, you're doing great.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • MrsSave
    • By MrsSave 6th Oct 16, 4:17 PM
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    • 3,031 Thanks
    MrsSave
    Today's spends:

    Son's haircut £8
    Co-op for poppadoms for dinner and some jam doughnuts (yum!) £2.50
    Paid for son's rugby up until Christmas £28.19

    £38.69 spent today.

    I did have a £2 refund in my paypal account from the Works. I ordered 16 books at the weekend. They have arrived this afternoon, so need to look through them now to see what 2 are missing for the refund. Need to do it without ds noticing though!!

    I've started on the hospital bags today. Well I have started packing the baby's one. All I need to buy for that is cotton wool (though I have got wipes specifically for newborns so wondering whether I'll get away with those or do I need to do the cotton wool/water thing whilst I'm in hospital!). I need to finish sorting through the baby things now and decide what clothes I'm actually going to take in. I have newborn and up to 1 month. Ds was over 9 lbs so I'm guessing I'll be better off with up to 1 month. I may pack a small extra bag with a few newborn bits in it in case, and dh can bring it in if the baby is smaller than I'm expecting.

    I've popped a couple of pound coins to one side today ready for hospital parking. Though I'll probably need that with appointments I have before the baby is born. Will need to add more at some point, but it's a start!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 7th Oct 16, 5:13 AM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    Dh's wages have gone in today. They won't be touched until November, though, but it is nice to see the 'wages' account build up. My 5% account is officially open (with my whole £1 in it). Today won't be a nsd as I need petrol. I only usually fill up at Tesco for the points, but not going near today so I think I'll have to use the local (more expensive) garage (which I hate doing!!!). I'm trying to limit petrol to £25 per week at the moment, though it is difficult. You don't get many car trips out of £25!!!

    Other than that, I think today is going to be pretty quiet. The weekend is looking busy, so a quiet day will be good! I may do a bit more of the hospital bags and get started with mine! The baby's nursery does need to finish being organised so I could do that today as well!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 7th Oct 16, 10:13 PM
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    • 3,031 Thanks
    MrsSave
    I didn't do anything that I planned to today! We had a very lazy morning. I think ds was very tired as he just wanted to stay in bed with me and watch cartoons. We usually do that for around half an hour in the morning and then get up, but this morning he was happy to cwtsh up under the duvet!

    I still haven't filled the car up with petrol (though the light did come on earlier!!). I'm just refusing to use the super expensive one nearby! Dh is going near to Tesco tomorrow so I've asked him to Take the car and fill up when he's there.

    Ds came out of school with his school photo proof. I may be biased, but it is a lovely picture. I'm so chuffed as it is his first ever school picture. I've spent £25 ordering the pictures from that. Dh also popped to the co-op earlier and spent just over £4. I had reflexology whilst ds was at school, which cost £25, but I had the money put to one side for it. It is so relaxing!!

    I've decided to go to Boots tomorrow to buy the toiletries I need for my hospital bag. We'll be near a pretty big Boots and I have just under £10 of points on my boots card so will use them.
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 8th Oct 16, 6:15 AM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    Today is going to be a busy day. I'm having my flu jab this morning (yay.....more needles!!!). I'm then out for the day with ds and my parents whist dh works. This evening we are going out for food to celebrate dh's dad's birthday. We've already been told that food is being paid for tonight, and my mum doesn't usually let me pay for anything so today shouldn't be too expensive.

    Dh is going to put petrol in the car. He'll probably fill it right up, which is going to cost not far off £60!!! I'm going to pick up toiletries for my hospital bag (must make a list before I go) but hopefully I can use Boots points for the lot.

    On top of those spends I'm budgeting £20 for today.

    I have myself a mini pedicure yesterday (well I painted my toenails ). They actually don't look to bad considering bending over to do them now makes breathing very difficult!! Cheaper than getting someone else to do it!!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 8th Oct 16, 10:12 PM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    It has definitely gone colder!! I'm already in bed (yes, on a Saturday night!!!) and feel a little cold!

    Today has been a good day. Flu jab was nice and quick and easy (well maybe not nice). My spending has been:

    Cakes: £2.50
    Drink: £1
    Night time Pull ups for ds: £6 (£2 per pack in Tesco at the moment so I bought 3 packs!!)
    Another drink: £1.50
    Toiletries for hospital bag: £0 (got them all with Boots points)

    Total spend (before petrol): £11

    Almost half of my £20 budget so I'm happy with that!!!

    Dh did fill up the car with petrol today, which cost £54. I'm hoping a full tank will last a good fortnight now. There's only £20 left in the petrol pot until my next pay, which is the 25th. We should be able to make it stretch until then!

    I've put another couple of pound coins in the hospital parking pot. I've got £4 there now. It's a £1 for 6 hours, and will have at least another 2 visits before baby is here, so hopefully I can find another £4 before then.

    Pregnancy wise my hips and pelvis aren't becoming more and more painful every day now. My hips were really painful last night and woke me up a couple of times. My pelvis mainly hurts when I walk, but when it does hurt I can really feel it! Ouch!!!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • MrsSave
    • By MrsSave 9th Oct 16, 9:43 PM
    • 998 Posts
    • 3,031 Thanks
    MrsSave
    A quick update before bed.

    I'm feeling completely drained today. I woke every 2 hours last night as it was so painful to turn. It's going to be a fun 2 months. I've actually cancelled my overtime this week so I'm just doing my usual day, and have given work the option of finding someone else for my overtime next week in case I'm still feeling rough. The site where my flu jab went in is sore, red and has a lump there so that's possibly not helping.

    I've had a couple of small spends today:

    Christmas/birthday gift for dh (I need to decide what he's having when): £5.89 (less than half the rrp so very happy)
    Tesco for milk and sprouts: £2
    New swimming bag for ds as his has broken: £2.49
    Donation to NSPCC for Santa letter which I order for ds every year: £5

    Other than that I have slept today, spent time with ds, caught up with Corrie, and filled in some surveys. I've made £3.80 in surveys today so just waiting for that to come through and I'll have enough for another withdrawal. Dh worked this morning. He earned £110 but has said he wants to keep £40 aside for getting me something once baby is here. That means £70 going into wages account ready for next month.

    Dh has also told me this evening that he applied for another job this week. The closing date was today. He doubts he'll hear anything as he has no experience at all in the field, but the pay would be much better than he is on now. He'd start off at £23,000pa and that would rise to £32,000pa after 6 months training. I'm definitely not getting my hopes up, but the increase in wages would be amazing!!!
    Emergency fund #16 £20/£1000
    Loan repayments: 15/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
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