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A mini debt free diary... :)

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Comments

  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Chaz you are doing amazing to be debt busting so close to your due date! I just lazed around moaning how long it took waiting for the due date - feeling absolutely whacked! Well done on the car boot, ebay etc! Chase up the maternity grant thing asap!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.3K updated 17/4/26
  • kadiya
    kadiya Posts: 118 Forumite
    Hey :)
    Just a few thoughts, but have you applied for your HIP grant yet?
    and have you applied to surestart for your £500?I don't know if you will get the sure start one or not, but it's got to be worth applying anyway?
    I think I have a link about somewhere thats worth reading if you want to try and flip baby.Will have a look and pm you if you want :)
    Good luck to you, you're baby is due so soon!
  • chazsucks
    chazsucks Posts: 396 Forumite
    Hey thanks! What is a HIP grant? :/ the sure start grant I can get but can't apply yet as need to be getting the child tax credit thing first, which I can't apply for till baby comes!!

    I found a few sites about turning the baby, and tried out some of the things BUT now it feels exactly the same but a lot lower down so I'm a bit worried I've somehow annoyed him and made him go further down in the wrong position :/

    xox
    Misc debts - £5,000 | Student loan - £9,000 | Mortgage - £180,000
    Goals for 2015: Sell house & downsize + Increase income + Get debt Free :shocked: {Diary}
    <3DS born 05/05/2009 & DS2 born 12/02/2011 <3
    Smoke free since 01/01/2010
    Paid off credit card 04/04/2011
  • kadiya
    kadiya Posts: 118 Forumite
    HIP is Health in Pregnancy grant, call your midwife and ask her to get the forms for you ASAP so you can get it sent off. Make sure she knows it has to be ASAP too!I think it works out at £190, there is a website I think...
    As for the Sure Start grant, you should send it off as soon as baby is born and put on it that you are waiting for your child tax credit ref. number, although I think you have until baby is 3 months old to send it off :)
    you may have already heard of spinning babies (.com) I think.I found it infinitely useful when I went for my VBAC, to make sure everything was ok :) Anything is worth a try lol
    Him going further down is a good thing, cause he isn't supposed to sit so high now ;)It's pretty hard to annoy them in the womb...they like it in there! :D It may give him slighlty more room to be able to flip over now too, I've heard of stranger things!
    Are you going to apply for Healthy Start tokens too?
    Doesn't hurt to ask! :D
  • kadiya
    kadiya Posts: 118 Forumite
    Good Luck for today :)
  • chazsucks
    chazsucks Posts: 396 Forumite
    Right! Just want to say thanks to kadiya you've been a big help :)
    Was at the hospital for 3 hours today! Nightmare, they did the scan and yep he's 100% breech. They said they didn't recommend to do it normally because apparently things can happen such as the body coming out and the head getting stuck.
    The ECV thing (think that's what it is) apparently as I'm over 38 weeks, there isn't much room and he's already started going down into the pelvis would be painful, with a low success rate... and to be honest I've done research and don't like the sound of it anyway.. too many risks for such a small chance of working!
    So I'm having a C-section on Tuesday... IF he hasn't turned around.
    Which means I'm gonna be doing all the methods I can think of until then to try and turn him! Spinning babies is a great website and hopefully it will help me, fingers crossed :D.
    They said they will do a scan just before the op just to make sure he is still definately breech before they go ahead and do it which is good!
    Oh wow seriously crapping myself now. Got lot's of tidying, organising, cleaning and a little bit of buying to do :S

    BUT 11 of my ebay auctions ended today :) I have payment from 5 of them, sent the other 6 invoices, I've already started packaging the stuff up and when everyone has paid up it'll be £102.47 in my account yay :D And still have about 20 more auctions running

    wish me luckkkkk !! xox
    Misc debts - £5,000 | Student loan - £9,000 | Mortgage - £180,000
    Goals for 2015: Sell house & downsize + Increase income + Get debt Free :shocked: {Diary}
    <3DS born 05/05/2009 & DS2 born 12/02/2011 <3
    Smoke free since 01/01/2010
    Paid off credit card 04/04/2011
  • kadiya
    kadiya Posts: 118 Forumite
    oh my gosh!!!
    Good Luck!!!
    Will keep my fingers crossed for you that baby turns roundfor you and look at you go girl!All that stuff you've got done in one go!!!!
    Well done!
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