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  • FIRST POST
    • sashybo
    • By sashybo 2nd Jan 17, 10:55 PM
    • 2,353Posts
    • 18,177Thanks
    sashybo
    Sashybo - Back Again
    • #1
    • 2nd Jan 17, 10:55 PM
    Sashybo - Back Again 2nd Jan 17 at 10:55 PM
    Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE.

    Current debt now under 10K. This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago.

    I must admit we have slipped occasionally and had to do a couple of BT's etc as got into a bit more debt when we bought a new house & wanted shiny new things to go in it.

    Overall, things are headed in the right direction but now we have a new challenge as DH & I are expecting a baby in May.

    I only get 3 months full pay then 3 months half pay on maternity leave in my job & won't be able to go back full time as we both do shift work and there's no way to work childcare around the shifts we do (7 days in a row & many unsociable hours to boot). So we'll have to reduce the spending & batter the debt as will have a smaller income.

    So I've come crawling back - I find having a diary here does help to keep me focused and stop so much silly spending.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
Page 11
    • Treadingonplaymobil
    • By Treadingonplaymobil 20th Mar 17, 2:46 PM
    • 756 Posts
    • 6,191 Thanks
    Treadingonplaymobil
    I LOVED finding out at the birth, it added an extra layer of excitement for me (because having a baby: clearly not exciting enough). I have friends who couldn't begin to wait though, they would have been too stressed about not knowing, so for them it was better to find out at a scan.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £55,820.43/1st May 2025
    • sashybo
    • By sashybo 21st Mar 17, 10:43 AM
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    • 18,177 Thanks
    sashybo
    Hi guys, yes both DH & I agreed that we wanted to wait and have a surprise with the baby. A lot of people have asked if we know what we're having (err, apart from a....baby??) and when we say no they say they think that it's nicer to have a surprise. But then we've also had people who say they don't understand how we can wait because they were desperate to know.

    DH seems to have perked up a bit so hopefully will be back at work by the end of the week.

    The usual payment has come out for loan no2 so debt total for loans 1 & 2 is now under £8k - £7710.14 to be precise. Snowball calculator is saying loan no1 will be paid off in May 2018 (a year early ) with minimum payments only and loan no2 in May 2019 - can't shorten the term with this loan, only lower the monthly payments by overpaying.

    Car loan repayments begin in May so will look at what we can afford to overpay there (if anything). Will keep plugging away at loan no1 as it's the highest interest rate - total currently sitting at just over £2k. Better get back to the surveys before baby arrives.

    Will go on the cross trainer shortly then in for a shower, so glad today is my last late shift as feeling really tired and need my two days off.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 22nd Mar 17, 12:41 PM
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    • 18,177 Thanks
    sashybo
    Taking it easy so far today, still in PJs doing surveys and browsing online.

    DH has emptied the room we are making into the nursery & is painting the gloss just now. He did the first coat around the window & windowsill last night, so thinks it will all need 2 coats and then a quick freshen of the emulsion (which is just plain white).

    Once that's done & dried we can build the cotbed into a cot and put the wall stickers up that we have bought. One set is a train with little safari animals which will go above the cot and the other is for the wall opposite and is a a big tree with monkeys and other animals.

    Currently browsing for a chest of drawers, small bookcase and possibly a chair for breastfeeding - unsure if I'll need this in the nursery or not, swaying towards getting one but undecided atm. We also ordered the cotbed mattress as mothercare were doing a pocket sprung one reduced from £180 to £90 which seems a good deal. Still need to measure and look for a blackout blind as well.

    Have redeemed more points for another £5 amazon voucher from swagbucks as still can't get paypal but will be able to use the amazon vouchers towards baby things anyway.

    Going to visit friends later for dinner and to see their wee girl to give her a present as she was 5 on Monday. Have bought a pack of 2 paw patrol curly straws for her 3yo sister to open so she doesn't feel too left out. They only cost £1 so no doubt they'll both be fighting over them.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 23rd Mar 17, 8:41 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Had a nice dinner with our friends last night but were late home and both knackered. Their 5 yo is going through a very defiant phase & just didn't want to do anything she was told.

    Went out to Ikea today & bought the furniture for the nursery, spent £84 on drawers & a small bookcase. Decided to get a chair & footstool for feeding - got both for £80 so not too bad compared to dedicated nursing chairs I've seen online which all looked pretty ugly & were over £100. Think the spend wasn't too bad for what we got.

    Had an afternoon nap as just so tired & back on early shifts tomorrow. Not much else done today except DH used the pressure washer to clean out the black bin & we stuck a washing on.

    Need to make a list of what I need to pack in my hospital bag & the baby's bag. Hopefully will have most of the stuff already.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • Treadingonplaymobil
    • By Treadingonplaymobil 24th Mar 17, 4:59 AM
    • 756 Posts
    • 6,191 Thanks
    Treadingonplaymobil
    What chair did you get? We had a Poang for 2/3 of ours, and it was a great chair for sitting and feeding in for hours in the early days. It stayed in the nursery for about a day, then came downstairs in front of the TV, where I could have it in easy reach of a snack and drink table.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £55,820.43/1st May 2025
    • sashybo
    • By sashybo 24th Mar 17, 10:57 AM
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    • 18,177 Thanks
    sashybo
    It's a Poang we got as well, Treading. Glad to hear it worked for you.

    Just finishing my break at work & trying to stay awake, so tired today & baby is dancing about mad.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 25th Mar 17, 3:38 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Was too tired to post last night. Went to M0rrisons after work and got some top up shopping. Behaved and only spent £20 and £9 of the spend was on some plants for my mum - she asked for "hard to kill" plants for mother's day. We are either very good or very bad with plants in my family.

    Helped DH yesterday by sorting out the screws and stuff whilst he built the 1kea drawers for the baby's room. So that's one thing built.

    Work was fine today, although again tired, until the last hour when everything when crazy and it was a nightmare. Was so glad I was leaving. Such a lovely day and pretty warm in the sun so even better to escape the office.

    Spotted my friend pushing her pram along the road near home so stopped to speak to her as haven't seen her since she had the baby (just over 2 weeks ago). Baby was lovely but a bit grumpy as he wanted fed. Will pop down and see her at home properly in the next week or so.

    Think I will put my tomato seedlings into small pots as they have gotten quite tall now - 3 of the 4 seeds I planted germinated.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • boxofpaws
    • By boxofpaws 26th Mar 17, 9:35 AM
    • 364 Posts
    • 1,508 Thanks
    boxofpaws
    You must be just about ready for baby then, all this activity. How long is it now? When do you finish work?
    Debt 03/01/17 = £42000
    Debt today = £33494
    • sashybo
    • By sashybo 26th Mar 17, 10:18 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Hi paws, 8 weeks to go until my due date. Not planning on finishing work until the week before due to rubbish maternity pay but just depends how I'm feeling & whether the baby decides to come early.

    Work not bad at all today though tired due to a combination of late night, losing an hour, trouble getting comfy in bed & having to get up at 5am.

    Went & bought a foam wedge pillow to put under my bump when lying on my side in bed to see if it helps me get comfy & get to sleep.

    Saw my mum after work and took the plants to her along with some chocolate & a card. My sister dropped in as well with the twins & we sat in the sun as it was so hot. My brother was meant to come round with the baby but no sign of him by the time both my sister & I had left.

    Looks like the sun killed my tomato seedlings though Moved them into the greenhouse & think it was too hot for them. Have planted more seeds & will try again.

    Did a bit of housework when I got home & made baked potatoes for dinner. Better get to bed soon, time has been racing past today.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • Treadingonplaymobil
    • By Treadingonplaymobil 27th Mar 17, 5:04 AM
    • 756 Posts
    • 6,191 Thanks
    Treadingonplaymobil
    I ended up propped in place with about 6 pillows by the time I got to the end of each pregnancy. There was hardly any room for DH in the bed before the baby even arrived, never mind afterwards!
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £55,820.43/1st May 2025
    • sashybo
    • By sashybo 27th Mar 17, 10:28 PM
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    • 18,177 Thanks
    sashybo
    Treading, I kind of feel like I'm slowly pushing DH out of the bed. He was snoring away the other night because of his man cold & I was so uncomfortable and couldn't sleep even though I was tired. The snoring was REALLY annoying me so I pushed his face away (I thought gently) but his head kind of whacked over onto the other side of his face. He stopped snoring though.

    Foam wedge pillow seemed to help last night so will keep using it. Have been sore and tired as my sciatic pain is back (fairly mildly but bad enough ). Thankfully going back to the chiropractor on Wed to get my pelvis "maintained" and back into approximate position.

    Work was busy but not overly so. Went out on my break and bought some toiletries for mine & baby's hospital bags. Of course I forgot loads so will need to go again at some point. Started packing my bag but can't really pack clothes as no idea what will fit me by that point. Feel like the size of a house today & a bit sore, so think bump is growing again.

    DH has started building the cot so nursery slowly taking shape. Will need to wash some of the baby clothes I've bought so I can pack the baby's hospital bag soon too.

    Have paid an extra £100 off loan no2 as we had some extra from our wages. It will lower the monthly payment by £4.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • Treadingonplaymobil
    • By Treadingonplaymobil 28th Mar 17, 6:02 AM
    • 756 Posts
    • 6,191 Thanks
    Treadingonplaymobil
    Pack maternity or much-too-big leggings and vest/jumper! Even if you have shrunk right back, they will be lovely and comfy. and on the very slim off chance you end up with a c-section they won't press on the scar. And soft cotton much more forgiving than denim on any, ahem, soreness from a natural delivery!
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £55,820.43/1st May 2025
    • sashybo
    • By sashybo 28th Mar 17, 6:25 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Thanks treading, that gives me an idea of where to start. Have most of my toiletries sorted,as picked up a few more bits on my break today. Just need to get my clothes sorted and start on the baby's bag. Have got all the baby clothes & blankets we've bought in the wash so will be able to pack a few things once it's all dry.

    Had another busy but not stressful day at work which was good. Bought a couple of new bath towels as we could do with some & they were doing buy one get one half price. Already have the same ones in the same colour and know they wash quite well.

    DH built the chair & footstool before work today, only the bookshelf to do now and need to secure the drawers to the wall once we decide where they're going. I can then put the clean baby clothes, blankets etc away in the drawers and we can put the wall stickers up soon.

    Still need to measure & order a blackout blind for the baby's room as well. Ordered a changing mat online today but used vouchers from surveys so it was free.

    No other real news, just feeling huge again, bump definitely bigger and really sticking out now.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 29th Mar 17, 10:08 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Went to chiropractor today after work & back feeling better now. My neck cracked so loudly when she was working on it.

    Dropped into see my mum on the way home & stayed for an hour or so, nice to have a chat. Going out with my mum, sister, nieces & nephews on Friday for an early dinner for my sister's birthday. My brother, his gf & the 2 wee ones are meant to be coming as well but the wee ones aren't well so not sure if they'll make it. DH has a friend up for the weekend so probably won't come.

    DH's friend being up will at least get him to tidy up the mess in the guest room. Bed is covered with random baby stuff.

    When I got home I folded all the baby clothes & blankets I had washed yesterday. Put some in the baby's hospital bag but have sat the rest of the stuff in the cot/on top of the drawers until we have moved the drawers into the place we want them.

    Also got a washing on, cleaned the bathrooms, cleaned the kitchen worktops & tidied them then bleached the quarter sink as it was all tea stained. Once I started cleaning I found it difficult to stop. Very unlike me. Also re-potted the coriander plant that DH brought home & abandoned. It was looking quite sad, hopefully it will pick up now.

    Going to head to bed soon as knackered now. Last shift tomorrow for 5 days.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 31st Mar 17, 2:25 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Was knackered yesterday so had a nap when I got home from work. DH was very good and got a lot of housework done.

    Baby's room is looking good, just need blind (no still not ordered ) & wall stickers up. Got both hospital bags started but not quite finished yet.

    Have had a lazy day so far & will head out soon as meeting my mum & sister for an early dinner.

    DH & friend off out for a walk and then probably for a few drinks.

    Planning on visiting my friend that has a new baby tomorrow afternoon and our other friend is going to drop in at the same time. Will be nice to see them both and cuddle the baby.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • Bobarella
    • By Bobarella 31st Mar 17, 2:31 PM
    • 10,568 Posts
    • 69,015 Thanks
    Bobarella
    Hi Sashy

    You've been busy on the baby things front. How lovely to have a room all ready to go! Just need that small person to be ready now

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 1st Apr 17, 1:12 PM
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    • 18,177 Thanks
    sashybo
    Hi Bob, yes finally getting our a**es into gear a bit more. Nice to walk into the baby's room with most of the stuff in there but also a bit scary as it makes it more "real". Bump seems to be bigger every day as well.

    Feeling a bit sore & tired today. Made 2 banana loaves so will take one with me when I go to visit my friend and her new baby later.

    Had a bit of a stressful early dinner yesterday as met my mum & sister along with my sister's kids on time as arranged. However my brother, his gf & their 2 small kids were also meant to be coming at the same time and were late. We thought they might call off as their kids both have a bad cold but they said they would be there. We then thought ok, they'll be half an hour or so.

    2 hours later they finally arrived... By that time we had all eaten and were ready to leave! My sister's twins were really playing up the whole time as well and just wouldn't do what they were told. Was really starting to lose the rag with them tbh, they're 8 and know better.

    Also we were eating in a pub and just felt like the nightmare family with nightmare children that the staff all avoid & the other customers wish would leave. It was awful, had one drink in about 3 hours as the staff pretty much wouldn't come near us!! Think they were trying to get us to leave but my mum didn't want to go before my brother arrived. My sister & I wanted to go after we had eaten our main but ordered desserts to keep my mum happy (when the staff actually deigned to come & take away our empty plates).

    The whole thing was a nightmare - everytime we go anywhere at least one of the twins starts acting up & refusing to do anything they're told and my brother shows up at least an hour late every time as well. Not going out for something to eat with the kids again - will just go with my mum & sister on our own next time.

    Was nice to see my wee nieces (2yo & 7mo) but imo the baby really wasn't well enough to be out. She was all stuffed up and had barely slept because she couldn't breathe through her nose. Poor wee soul was trying her best to smile for me though and we had a nice cuddle.

    When I got home I had a really sore stomach and felt really drained so had a nap. Think I was just really stressed out about the whole thing. Stomach still a bit sore today which isn't great but better than last night.

    No real money news atm, just plodding on.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 4th Apr 17, 12:54 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Have been a bit rubbish at updating over the last few days, just feeling very tired and not up to much tbh.

    Trying to keep up with the surveys as have managed to buy quite a few things for the baby using vouchers. Managed to claim another £5 Am@zon voucher from sw@gbucks. 0nepoll up to £16.80 now.

    Went & had a cuddle with my friend's 3 week old baby on Saturday afternoon which was nice. He slept the whole time apart from a little cry at the beginning.

    My friend also has a young springer spaniel who was getting very excited and decided she wanted to be my best friend, kept sitting next to me on the couch and leaning against me so I would stroke her. My other friend was also there with her boy who's 6 now and he was much more interested in the dog than the baby.

    On Sunday went to Ald! with DH & did quite a big shop - we bought more nappies, wipes and some formula milk incase I don't get on with the BF. Also used vouchers online to order a microwave steriliser & bottle brush - there was so much choice that it was difficult to know where to start so just ordered one of the well known brands. Was only £15 for the steriliser and £2ish for the bottle brush - with the voucher the order came to £9.

    Went shopping yesterday and bought some nursing bras and vest tops from H&M, will keep the tags on and try again in 2 weeks to make sure they still fit. If I've grown out of them I can then take them back and exchange for the bigger size. They feel very comfy and are quite stretchy so hopefully will be ok. Got a couple of tops as well which I can wear now & will still be able to wear after the birth as feel like I'm wearing the same 4 tops all the time atm.

    Feel like all I've done the last few days is spend money. We need to wait for a few statements to come in and then move money from baby's account to pay for the things we've been buying for the nursery etc. Payday on Friday for us as well.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 5th Apr 17, 11:24 AM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    DH & I did a bit of work on the nursery again yesterday - we now have our wall stickers up and they look really good & super cute.

    Have finally got a blackout blind ordered for the baby's room and also finally got round to ordering a blind for our bathroom whilst we were doing that.

    Back to work today for 7 late shifts and really can't be bothered. Hoping I feel ok once I'm there as just want to sleep all the time just now.

    Have been trying to do a few more surveys and have had a small payment through which I've paid off loan no1 today.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashybo
    • By sashybo 6th Apr 17, 11:23 AM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Work was ok yesterday, was busy and always have a lot to catch up on after long weekend but nothing too stressful. Feeling a bit tired today but not too bad. Hoping to last another 5 weeks or so at work.

    Payday tomorrow so will do some moving about of money - my everyday cc that is paid off in full every month is looking a bit higher than normal but have used it for some baby related spends so will move that money from the baby's account to pay those off.

    Went and bought basic baby medicines like calpol etc yesterday so we are prepared. Need to find a box or bag to keep them all together.

    Still trying to do a few surveys a day but not really near payout on any of the sites after a small flurry in the last few months.

    Next midwife appointment is on Monday, will get more blood taken so hopefully my iron levels have picked up a bit. Baby still jumping about like mad so seems like a good sign - getting a bit more uncomfortable as the baby & bump increase in size. Not massive or anything but definitely noticing a change even in the last week or so size-wise. Due in roughly 6 weeks which is quite scary. But also looking forward to seeing our wee one.

    Still not been told anything about who is covering my maternity leave - bet they want me to train them as well. Not like they've had enough notice. Rumour has it they have given it to an 18yo with no experience of my job. At all. Yes, that would be someone literally young enough to be my child!!

    I feel a bit insulted as though they think anyone can do my job. It's really not as easy as some people seem to think it is. I still think they're going to fight me when I want to return to my own job in a job share/part time role but will cross that bridge when I come to it. Not much else I can do and would rather concentrate on the baby right now but it's always a niggle in the back of my head. I'm good at my job, I enjoy it and I have over 6 years experience in the role but I still think the company would happily sh*ft me tbh if it's easier for them. I know that all of my managers know this and that the big bosses above them know this but just unsure how they'll handle it and how much influence they actually have in these things as there are so many layers of management/bureaucracy. I do have a union so will speak to them if I need to.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
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