Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MrsSave
    • By MrsSave 17th Jul 16, 8:38 AM
    • 1,156Posts
    • 3,726Thanks
    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!!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
Page 25
    • MrsSave
    • By MrsSave 10th Jul 17, 11:34 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Oooooh, I just checked my topcashback as I'd had almost £30 waiting to be paid out (was stuck at stage 2 of 3 for ages!!!) and it's ready! Sent to my bank account. I was a little tempted by a gift card for Argos or Toys r Us for Christmas, but at the minute every penny counts!

    I've then updated ynab (somehow my old ynab lost everything and wouldn't work, so I've gone for the new one). It's not pretty but at least I know where we stand!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • hannahroberts1985
    • By hannahroberts1985 11th Jul 17, 6:29 AM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Hey Mrs Save,

    Glad to see you back. Exciting times with a new career path on the horizon. Good Luck with finding something that suits. It's such a mind field with childcare and fitting it all around your family with it costing an arm and leg in childcare isn't it. Xx
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • MrsSave
    • By MrsSave 11th Jul 17, 11:01 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Thank you Hannah. Definitely exciting times!

    Today has been a low spend day. Took ds2 swimming, but my mum came along and paid so didn't cost a penny. My only spends were £1.75 in co-op. We finished the bread at breakfast time and I bought a bottle of Pepsi max cherry, my new favourite!

    It's ds1's birthday soon, so I need to go through and look at what I've got for him. I'm pretty sure we've bought everything, just need to get wrapping paper, a card and then the last minute decorations.

    I'm not planning on leaving the house other than the school run tomorrow so my purse should be free from use!! I took out 3 20ps this morning and popped them in a sealed tin I've got. I'm trying to out away any 20ps I can find and will open the tin just before Christmas. I'm worried about opening it and only have about £2 or something in there!!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • Pismo
    • By Pismo 12th Jul 17, 5:53 PM
    • 25 Posts
    • 65 Thanks
    Pismo
    Hi MrsSave

    Just found your diary and trying to work my way through it now. Congrats on the change of career!

    I'm in, almost, the same position as you as due to start maternity leave mid October (at 36weeks). Our current debt totals a whopping 25k and I doubt were going to make much of a dent in it whilst I'm off. However I will settle for not increasing the debt any.

    Pismo x
    • MrsSave
    • By MrsSave 13th Jul 17, 12:32 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Hi MrsSave

    Just found your diary and trying to work my way through it now. Congrats on the change of career!

    I'm in, almost, the same position as you as due to start maternity leave mid October (at 36weeks). Our current debt totals a whopping 25k and I doubt were going to make much of a dent in it whilst I'm off. However I will settle for not increasing the debt any.

    Pismo x
    Originally posted by Pismo
    Congratulations on the new baby! Will s/he be your first? I've had 2 maternity leaves, and that's when I struggle most financially. Good luck on paying off your debt.
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 13th Jul 17, 12:38 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    I applied for the part time job I mentioned a few days ago. The closing date is the end of last week, but I received an e-mail from them yesterday with additional questions before the shortlist. I've answered that, so it's just a waiting game on that one. I have sent off my cv for another job as well, but I'm not hopeful at all with that one......not enough experience, but always worth a try.

    I'm not sure if I mentioned that I was studying whilst on this maternity leave (part of where our money is going, but I see it as a long term investment). I've got 2 exams next week, so spending most of my free time studying at the moment.

    I've ordered a food shop to be delivered Saturday morning, and it's one of those weeks where lots of things are starting to run out so lots of different bits being added to it. I'd love a cheap shop week soon!!!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • hannahroberts1985
    • By hannahroberts1985 16th Jul 17, 9:49 AM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Good Luck for your exams. I hope your giving yourself some time off to relax this weekend.

    Food shopping is sooo expensive isn't it! I find I run out of one thing then before you know it you've made a list for a full food shop when you didn't even realise you needed it! It's not as easy to just scrap anything together when you have kids to think about feeding is it. X
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • Pismo
    • By Pismo 16th Jul 17, 11:38 AM
    • 25 Posts
    • 65 Thanks
    Pismo
    MrsSave- this is my third (but only my second maternity leave as wasn't working the first time round). Maternity leave wasn't so bad last time but that may be because we were just using the credit cards as well.

    I'm also at the wanting to do something different career wise - I only graduated 4 years ago but I'm worn out in my current job. Can I be nosey and ask what you're studying now? And are you enjoying it?
    • hannahroberts1985
    • By hannahroberts1985 16th Jul 17, 1:06 PM
    • 718 Posts
    • 1,041 Thanks
    hannahroberts1985
    Do you have a diary Pismo? I have three weeks left of mat leave and am returning with nearly £4000 debt cleared and £2000 saved where as last mat leave I was creating debt. My diary is the main thing that's kept me on track. X
    Deposit :£10,015/£20,000 = 50% Fee fund £2538 emergfund: £732/£1000 Car fund:£5 Xs fund £67 B/day £35
    Noodle: 602 Clear: 525 mse:918/61%
    Ebay £110/£43
    • MrsSave
    • By MrsSave 21st Jul 17, 8:20 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Pismo, I've decided to train in accounting and I'm 100% loving it!

    I have a job interview in a fortnight's time for a job in finance that would fit in great with the boys/school. The only issue (well half an issue) is that it is part time. The reason is that it's an issue is money, the reason is that it's only half an issue is that it means I get to spend more time with my boys and time studying. I've been sitting going through finances to see if we can make it work. I do a little self employed work as well, and would love to be able to do a little more for some extra money.

    I've created a spreadsheet listing the money in/money out and trying to see where we can save. I don't want our boys to suffer because we're struggling. I love spoiling them at Christmas and their birthdays and intend to continue doing that (within reason.....we don't spend an absolute fortune). I want the boys to be able to do some activities such as swimming, etc. I *need* a haircut, etc etc. By adding it all up, it's doable......just. My husband gets paid weekly, so some weeks there are 5 pays. Those months will mean a little towards savings, a treat, etc. He also has a bonus every 3 months (not much but it all helps). I really want this job, so I really need to make this work.

    I need to look at our grocery shopping to start. That spending creeps up all the time. Lots of extra treats are finding their way in. That needs to stop. We're also using far too many baby jars. I do cook, blend and freeze lots, and there's always something in the freezer for the littlest, but I still use far too many!!!

    Sky has been reduced for the last year, and it has just gone up to full price again. I'm going to phone them up to see if I can reduce it down again. We've also been using netflix, but recently it hasn't really been used. I'm going to look into cancelling that.

    If I am lucky enough to get this job, then they have stated that they'd want someone who would be able to do overtime to cover holidays from time to time. That would bring a little extra in as well.

    I need to look at a balance transfer to transfer the debt from the cards (yes, they're back) so it's all 0%.

    Right, so step 1: sort out groceries,
    step 2: phone sky,
    step 3: cancel netflix,
    step 4: get this job!!!
    step 5: live within our means, and reduce debt.

    Easy peasy!!!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 21st Jul 17, 11:54 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Step 1: sort out groceries,
    step 2: phone sky,
    step 3: cancel netflix, done
    step 4: balance transfer to 0% cc
    step 5: get this job!!!
    step 6: live within our means, and reduce debt.
    Last edited by MrsSave; 22-07-2017 at 12:21 AM.
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 22nd Jul 17, 8:43 AM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    I applied for a 0% balance transfer card last night and was approved. I just need to wait for everything to come through now and it'll make things easier.

    I am going to change my supermarket delivery saver today from any day to midweek. It's half the price, and also click and collect is then free any day (I think). I have 1 more month at the full price before the contract ends. I am also going to get back into 100% meal planning. It's a half hearted attempt at the moment. I've joined the August grocery shop thread.

    We're going out this afternoon to a local fete. Will have to set a budget before going.
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 23rd Jul 17, 9:32 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Mini victory.......we have spent most of the weekend out and about, and haven't bought a single ice cream We took a picnic out with us today which included plenty of drinks. We need to keep this up for the rest of the holidays. With my last food delivery I had a pack of 4 value pizzas for £1.60. I cooked one this morning then sliced it up to go in our picnic bag. My eldest loved it! I also bought a pack of 8 fruit shoots for £1.44 and ds can have 1 of them with his picnic and then he can share our bottle of squash. He was so excited and thought the picnic was amazing (we did have more than a slice of pizza and drinks!!).

    I am trying to plan this week. The activities I'm planning are:

    Trip to the library (free activities on there and we can choose some books,
    Park,
    Possibly swimming (depends if I can find someone to come with me......you can't take 2 children under 6 into the pool alone).
    Theme park (paid for with Tesco vouchers and taking a picnic)
    Playing in the garden
    One science activity (I've bought the book that Chris Evans was talking about in radio 2 on Tuesday)
    Scavenger hunt walk (need to prep a sheet first!!).

    Other than that it will be the usual playing with toys, reading, tv time, colouring, etc, etc. That should keep us busy this week! I've also got my interview to prepare for and I need to do some more studying for my next exam.
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 27th Jul 17, 1:43 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    It's Thursday, we've had a busy start to the week and now I'm full of cold! This week we've been to the park (twice), been on our scavenger hunt, had a bbq, played in the paddling pool, been to a theme park (cost just over £6 for ice creams!) and we've been colouring and practising writing. I'm trying to slightly control what is being played with instead of everything being pulled out every day, getting bored and there being toys everywhere. We've made a castle out of duplo and now we've got cars everywhere! Today we're having a lazy pj day with far too much screen time! I'm also in the middle of sorting out the boys' wardrobes, they're both moving into the next clothes size.

    I have sat today and gone through finances, and budgeted for August. It took a couple of hours as things had started to get a little messy. The balance transfer has come through so everything is in one place.

    My interview next week has turned into 2 interviews next week. Scary!! Hopefully by the end of next week I'll be employed and waiting for my maternity leave to finish so that I can start. Out of the 2 interviews, I've been trying to work out which I'd prefer. They both sound like I'd love them (as much as anyone loves work ). 1 is part time, which means I'd be able to be home with my youngest 2 days per week and would be able to take/collect my eldest from school on those 2 days. It would mean we'd need to pay out 1 day per week of nursery. The other is full time. I'm guessing the salary (it depends on experience, and I don't have much), but by putting my youngest in nursery 3 days we'd actually be quite a bit worse off than me working part time, and would be spending more than we were earning every month. If we were to put him in 2 days we would have a little more left over each month than the part time work, but it would mean hubby being home 1 day per week.

    Job wise, they both sound fab, but I think the full time would give me more options for progression. I don't want to regret not being home with the boys though if I have the chance and I figure that once both boys are in school full time, I could then look for something different if I wanted to move on. Aaaargh!! Obviously I could not be offered anything, so won't have a decision to make, or will be offered 1 so that's the decision made there and then!

    Right, I'm on my mission of the day.........sneaking to the fridge to grab a bit of the toblerone that hubby bought because I wasn't feeling well without the boys noticing! So far, so good
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 28th Jul 17, 10:36 AM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Yesterday's spends were £40. I ordered a playhouse for my youngest for Christmas. This was one reduced and the reviews are brilliant. It's arriving Monday, and I'm wondering how I'm going to sort it without my eldest seeing so that Father Christmas can bring it.....otherwise it will have to be from us

    Today I am child free and home alone. This never happens! Still full of cold and now my throat has started hurting. Typical! I'm hoping a quiet day today will sort me out because I've got a busy weekend followed by my 2 interviews next week. Eeeeek! Will have to do some interview prep this afternoon.

    I paid the Tesco credit card yesterday (all our spends go on it for the points) and overpaid by 26p. I have no idea how, but I'll just blame the cold!

    I think I'm going to go back for a nap! Haven't done this for a long while!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 29th Jul 17, 7:08 AM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Well it was 69p I'd overpaid by! I'm just going to take that off the grocery shop that's coming today. I've just checked online banking, and this week's food shop is just under £45. £44.71 to be precise, but will mark it down as £44.02 to use my 69p!! That's coming between 9 and 10 today.

    I've got a busy weekend coming up (are there any that aren't!!!). I want to do some more interview prep (reading and reading over the questions they may ask!!), it's my son's birthday party tomorrow so need to get the last few bits ready for that (I've put money aside for it) such as collect the cake, blow up the balloons, prep the food, etc. He is so excited, and I can't wait to see his face, but at the same time I'm really looking forward to sitting down afterwards!!

    I was given £25 as an Anniversary gift yesterday, so may treat ourselves to a curry tonight with it.

    I'm still sniffing, but definitely feeling better than yesterday. I napped after being on here, then spent the afternoon prepping for these interviews. I haven't picked up my study material all week, and I don't think I will next week either. I knew I wouldn't be able to do as much over the holidays!

    I've just received a message saying that the playhouse will be arriving Monday between 7 and 9am. That's pretty early so I may try to persuade hubby to stay home until it does so that he can take it straight to his parents (without the eldest one seeing it!!!).
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 29th Jul 17, 10:22 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Haha, my brain definitely wasn't thinking straight when I paid the Tesco card the other day. I'd paid for 2 transactions and then re entered them. It means I now have £70 more than I thought I did.

    This is my third diary and I have just read through my first and I've started reading the second. I'd love to say I've come along well, but the debt level is pretty much the same and I'm still wanting a career change! I suppose the positives are that the debt isn't higher (especially after maternity leave) and I am working on that career change and hope I'll be celebrating a new job soon (even if I don't get either of next week's jobs!). It's interesting to read back over them though, and I've decided that once I've officially finished my maternity leave I'll start my fourth diary. 3 weeks today that happens.

    We've had a lovely, quiet Saturday night. We had a takeaway which was paid for with the money we were given (there's enough left over to be reheated tomorrow), we've watched Saturday night tv for the first time in a long time, and we've had a couple of real ales that were in the fridge. I've just headed up to be doing now because tomorrow is going to be a busy day!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 29th Jul 17, 11:32 PM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    I now know why I always make my way up to bed before dh! My husband, who never snores - oh not ever according to him , is snoring flat out! I'm sure he's getting worse with age, though still doesn't believe me.

    I've finished reading through the second diary. A few things stand out,
    1. I am either 100% focused or spending every last penny,
    2. I don't sleep brilliantly (though not doing too badly at the moment, I just struggle to get back to sleep after the baby has his 5am feed),
    3. I am ill a lot! Always the same old things. A heavy cold, sinusitis, headaches or a sore throat!
    4. I'm always worrying about losing weight, but eventually regain everything I've lost.

    I have noticed that at the start of diary 1 I was really focused on making extra money, selling things and trying to reach added income goals. That doesn't seem to happen anymore. I may have a look around the house for things I can sell, though we need to discuss what is going to happen with the littlest one's things (will there ever be number 3??). I also have clothes that can be returned. Bought recently for new office job before even getting an office job. Will sort through them tomorrow, and if I'm not 100% happy with something then I'll return it.

    Right, I really need to try sleep. Dh has just turned and stopped snoring! I should sleep before he starts again
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 30th Jul 17, 7:25 AM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    As my maternity is coming to an end, I'm job hunting and sorted out budget for the next few months, I've decided it's time to finish the maternity diary.

    I have started a new one:

    Mrs S, family life and debt

    http://forums.moneysavingexpert.com/showthread.php?p=72912386#post72912386

    Time to get debt busting!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • MrsSave
    • By MrsSave 30th Jul 17, 7:26 AM
    • 1,156 Posts
    • 3,726 Thanks
    MrsSave
    Sorry, one last post.......I really wanted to reach 500 posts!!
    Debt (03/08/17)
    Loan £9,906.30 £9,644.95 Credit Card £6,480.60
    Total: £16,386.90 £16,125.55
    Savings £1.45
    Check out my debt free diary 'Mrs S, family life and debt' below:
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,784Posts Today

6,711Users online

Martin's Twitter