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A Frugal Maternity Leave

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  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Morning all


    MrsR68 - I don't know where I am getting the energy - I think I am crazy!! Maybe just motivation for the lie of our dreams..


    Currently on here typing with one hand feeding baby with the other and trying to pacifier toddler. if it doesn't make sense you know why!!


    I have a massive to do list im trying to plough through this week with lots of money stuff on it!


    - I have a new pile of ebay items ready to go on
    - Take items that didn't sell to second hand clothes shop to see if they will take them
    - meal plan - I still haven't done this!
    - ring up re pet insurance - went on moneysupermarket and got a quote that is about £6 cheaper. I want to see if it will be any cheaper when we move to the country.
    - get a nectar card
    - buy some plastic wallets to keep receipts and vouchers in.

    Ah baby asleep now and toddler eating a snack so I can type with 2 hands!!


    Challenges at the moment


    - We actually have £1040 in the FFF (financial freedom fund) not £1140
    - WE only had £90 left in the food budget and did a lidl shop at the weekend and a Sainsburys shop for baby stuff and stuff I couldn't get at Lidl so now we only have about £20 for 2 weeks!!! I'm going to have to get seriously savvy and eat out of the cupboards and make lots of lists and stuff from scratch. It will be a good lesson! I might have to stop slushing at the energy fund this month except for any money I make on ebay. I really don't want to touch the FFF.
    - Husband and I really want to have baby Christened in the next few months so will need to pay for that. It will probably be about 40 guests. I'm going to start thinking about this now so as to avoid panic sorting out.
    - I have wanted to get into photography for a while and only have point and shoot at the moment. I want to get a dslr and have about £100 saved for it. I reckon it will cost about £300 so need to find the money for that. Will be thinking about this too.


    Phew, lots to do and lots to think about. Will keep you all posted of course!!!


    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • Phew I am tired just reading that post lol. Well done on everything you are doing :T

    I have always wanted to get into photography as a hobby but that initial cost of the camera and editing programmes etc always puts me off. One of my after debt clear list though :)
  • OrangeFairy
    OrangeFairy Posts: 2,630 Forumite
    1,000 Posts Combo Breaker
    Found you- subscribed and will catch up tomorrow! x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Hi all


    I found you too Orange Fairy! SO please for shiny new diaries!!!


    Well, this week I haven't managed to do any of the things on the to do list above so they will move over onto next weeks to do list!!


    I HAVE managed to sell two bits on gumtree totalling £10 so that's gone on the energy debt taking it to.....




    £135!!!!!!

    Will try my best to get a few more bits on. We will have to as hopefully be FINALLY exchanging on the new house next week. SOOO pleased!!


    Roll on pay day a week on Monday!!! Will have to keep a low profile and do nothing or cheap things these next few weeks and hopefully we will survive!!


    Crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Fingers crossed on the house move Hunni xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Afternoon all!


    Currently feeding baby so typing with one hand again!!


    She is 11 weeks old now and getting so big im about to put some of her 0-3 clothes she has grown out of on ebay!!! when did this happen!


    We STILL haven't moved!! there is a possibility it might happen this weekend if not next weekend. So bored of it now but also really worried something will happen and it will all fall through.


    in the meantime we are struggling with food money this month since we over indulged at Christmas so owe £75 to my credit card.


    Stuff is on ebay so hopefully will get a little bit of money from that next week.


    Very much looking forward to pay day on Monday and hoping that I will get paid more than what I budgeted for like last month!!!!


    Hope everyone is good today!!


    crunchy xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • Aw, I can remember well the typing with one hand while feeding, feels like a long time ago now though!!

    Good luck with ebay!
    Total Starting Debt August 2014- £38,061
    Current Debt- £3600

    Mortgage Offset Savings- £600
    90.5% paid off so far...
  • crunch_time
    crunch_time Posts: 1,353 Forumite
    Morning diary land!!

    Very excited to say we are officially FINALLY moving this weekend!

    So much to do and so little time.

    Looking forward to pay day on Friday!

    Just trying not to spend any money till then

    Hope all is good with everyone else
    Crunchy
    Xx
    19/8/19 vs now Current Total debt £14,188 Savings £2757
    Overdraft £1600 vs £1050
    HSBC1 £1900 vs £3868
    HSBC2 £4100 vs £3730
    Virgin 1 £3050 vs £2800
    House stuff and improvements £4460 Virgin 2 £2740
  • Hey


    just read through your diary. Congratulations on the new baby and good luck with the house move.


    I've just gone back to work after my maternity and hope to clear the credit cards with ebay sales and selling odd bits around the house.


    I've subscribed and will follow with interest. I hope to clear the cards and save to move to a slightly bigger house so there's room for a second baby in the future!
    January 2015 - LBM
    MBNA - £1697.96
    Savings - £51.37/1000
  • t2rry
    t2rry Posts: 1,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hey Crunchy!


    Happy New Diary, I'm subscribed once more!


    Have you moved now then? You're like superwoman doing all these things at once, I can't imagine!!


    You've made me consider starting a fresh diary for the fresh year...


    GOOD LUCK!!!
    Debt Free I FFEF I Building Savings I 2025 Plan:
    1. Regular Savings £7,400/£10,000
    2. Slush Fund £3,800/£10,000

    Save £12k in 2025 - #50 - £11,200/£20,000 (56%)
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