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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 818Posts
    • 1,095Thanks
    hannahroberts1985
    Debt-Free wanna be vs Maternity pay. Determined to stay on track.
    • #1
    • 15th Jun 16, 9:18 PM
    Debt-Free wanna be vs Maternity pay. Determined to stay on track. 15th Jun 16 at 9:18 PM
    Hey everyone,

    I'm Hannah I'm 30 (not sure how or when that happened my memory must be going because I only feel 21 mentally 50 physically though )my debt is shifting in the right direction and we are able to pay 200-300 off a month but with maternity pay fast approaching I felt a diary would be a good way to keep me on track. I am currently 22 weeks pregnant with my second little boy. DS1 ( darling son)is two on the 29th. We are going on a holiday to Devon Friday. Guessing all this expense has got me wanting to keep things in check. Since being so good I get panicky about spending but chunks of money. We booked a small family holiday though before DS2 arrives as we haven't been on a holiday for 4 years and wanted to take Kian before things got crazy. Everyone's got to live a little right. I'm also currently on an 8 week full paid sabbatical from work...it's great but that's also 5 extra days a week to try not spend money! I tell you this weather needs to perk up soft play isn't cheap!!

    I was awful with money years back even had a diary on here
    previously. I have been cleaning debt for a few years now. I have some of my own debt and joint from buying things for our home my partner has bad credit due to a mortgage he's stuck in with his step father. ...we will cross this bridge at a later date but it is all (touch wood) on track now. Other than that he is great with money and has taught me a lot!! Me and DP (darling parter) share money fairly we both have pocket money then anything else go into the joint account/off my debt repayment. I was part time when I went back after DS1 but went full time when we were planning DS2 1) for the maternity pay and 2) I know my 8 weeks paid sabbatical was due so wanted to get full time pay for this. I have 6 weeks full time to work before maternity leave and I'm dreading it, but hey ho needs must! Think of the money I keep telling myself. I feel I am in a good place and manage money so much better than I used to. I'll share my tips with you.....when I get a chance. I will also update my signature with SOA ASAP.

    Thanks for reading (if anyone is) now that's off my chest time for a bath then bed.
    Hannah


    If you haven!!!8217;t already, join the forum to reply!
    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by Former MSE Jessica; 18-04-2017 at 2:48 PM.
Page 30
    • lauradora
    • By lauradora 30th Nov 17, 2:52 PM
    • 1,365 Posts
    • 4,661 Thanks
    lauradora
    Wicked, its nice to meet another Vegan generally, let alone a parent MSE one

    Still in debt but happy
    DFW nerd no 844


    • hannahroberts1985
    • By hannahroberts1985 30th Nov 17, 3:18 PM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Whay hey Laura that's ace! I'm a little worried the new vegan Pizza Hut will ruin my debt free journey tho!! Do you have a diary? X
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • lauradora
    • By lauradora 30th Nov 17, 4:04 PM
    • 1,365 Posts
    • 4,661 Thanks
    lauradora
    No not for ages; thinking I should start a new one with maternity looming though...really looking forward to spending some time at home and getting some OS stuff done as well

    I did Veganuary this year, thinking I would never last and i'm still going strong...so glad I did it

    Still in debt but happy
    DFW nerd no 844


    • hannahroberts1985
    • By hannahroberts1985 21st Dec 17, 1:12 PM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Ah congratulations Laura Cora xxx

    Oh my days has it nearly been a month since I checked in. I forgot my password and only just got around to resetting it.

    Nothing major to report. Still plodding along. Going to enjoy Christmas then attempt to get a mortgage in principle. Eeek!

    Presents all wrapped and sorted bar a couple of little bit the Tesco man is bringing with my food shop this afternoon. X
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • hannahroberts1985
    • By hannahroberts1985 27th Dec 17, 1:53 PM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Right that's Christmas done!

    Time to buy a house!!!

    We have 16 days until dp'a credit file updates then hopefully it'll register he's paid off his mortgage and we can get a mortgage in principle. Alothought thibiing we could probably get the principle but sorted now as long as it's clears and update for the actual mortgage. So we need to decide who to go with.

    Right move app set for alerts in our desired area. Thinking lots of people will start listing now Christmas is over.

    Purse stings are being pulled shut again now Christmas is done. I told DP we will have a take away ban until we buy a house!

    We are not allowed to go into our overdrafts. Sometimes I cut things a bit too tight and put to much in savings.

    Meal planning and only buying what I need. I have a cupboard of cleaning products to use up so no more buying those until I've ran out!

    I need to use my diary more to keep things on track!

    So I'll be back soon. X
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • enthusiasticsaver
    • By enthusiasticsaver 28th Dec 17, 6:33 AM
    • 6,410 Posts
    • 13,194 Thanks
    enthusiasticsaver
    Good luck with the house buying. Saving as much as possible is a good move. House buying is expensive. Do you have a help to buy isa?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • hannahroberts1985
    • By hannahroberts1985 28th Dec 17, 7:00 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Hi enthusiastic saver yes 12300 in my help to buy ISA not sure if I'll qualify tho as my partner isn't a first time buyer? Do you know if I will? Also is there a way to check how much you qualify for? Some money has been put in in larger chunks so I'm a bit confused as to how much I'll get.

    Thanks :0)
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • louby40
    • By louby40 28th Dec 17, 7:40 AM
    • 1,355 Posts
    • 3,680 Thanks
    louby40
    Hello, you sound so determined.

    Why don!!!8217;t you move your diary over to the proper diary board. That way you will get loads more support and people to spur you on.
    • hannahroberts1985
    • By hannahroberts1985 28th Dec 17, 8:01 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Oh is this not the proper board? Can I just move the whole thing or will I have to start afresh?

    Quiet day in with the boys today. DP has just headed off to work after a lovely three days off together. Back to reality and sorting washing etc. My mum always comes for dinner and bedtime on a Thursday as DP works late so I'm going to make a slow cooker stew and use up all the extra veg I have going out of date from Christmas dinner. I also need to meal plan and make a small list to pick up after work tomorrow. X
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • hannahroberts1985
    • By hannahroberts1985 30th Dec 17, 7:36 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Morning diary,

    Work yesterday.....I popped to get a new calendar for 2018 on my break but then after work got an urge to go spend spend spend! Working in town is so hard! I spent 2 in the end on a pair of children's scissors and a little excercation kit for ds1. At work again today so I may leave my purse at home I just get so tempted to shop or go out and buy food on my break even tho I get free food at work. I'd got quiet good at not spending before or after work but I think with all the popping for this or that for Christmas I've got into bad habits. Also I keep just browsing online sales etc! I want to buy a house not little bits and bobs!!! NSD today I promise!

    Dp's work has picked up so that's a relief after three quiet months. One more low pay day at the end of jan and then Feb should be a lot better.

    We really need to choose a broker and get the ball rolling on that but we get two days off together a month and these rare Sunday. Could really do with finding one we can deal with on the phone/email but not sure I feel comfortable with this. I may post on a mortgage board for advice on this.

    Right best get sorted ready for work....and my nsd x
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • ramblehan
    • By ramblehan 2nd Jan 18, 9:42 AM
    • 593 Posts
    • 1,223 Thanks
    ramblehan
    Hey Hannah - I'm checking back in after a LONG break - How are you? Just read back the last couple of pages - sounds like exciting times ahead with a house purchase looming!!
    • hannahroberts1985
    • By hannahroberts1985 2nd Jan 18, 9:57 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Morning Ramblemhan long time no speak. I'll try catch up on your diary but on my days life is crazy right now. My sister is on the process of splitting from her husband and has had to move to my dads house with her two young children with a days notice. Trying to keep money in check but having her kids a lot for her so spend a bit of petrol (they live an hours drive away) and lunches for them etc but trying to keep it in check and bring them to my house as much as possible to make it cheaper. Ugh my brain hurts. Xx
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • ramblehan
    • By ramblehan 2nd Jan 18, 11:51 AM
    • 593 Posts
    • 1,223 Thanks
    ramblehan
    Oh no - your poor sister - Good on you for helping out, although I can see it must be really tough for you too - but what an AMAZING thing you are doing for her and her children.

    I have a new diary - wandering on.....my world is as bonkers as ever too - I often think 'why is my life like this when everyone elses seems to be so calm and organised.....and i think I'm gradually coming to see that actually everyone's life is as bonkers but perhaps in different ways!

    Keep smiling xxx
    • hannahroberts1985
    • By hannahroberts1985 2nd Jan 18, 11:57 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Bahhh totally. Some people are just better at coping with or hiding the madness. "This to shall pass" is a something I've learn the last few years. So got bad time just keep going and for good times really cherish them because they won't last for ever either. Xx

    I'll find it and have a read. Xx
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • hannahroberts1985
    • By hannahroberts1985 6th Jan 18, 6:56 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Morning, quick pop in as I've just checked my accounts and I'm skint until 15th. 20 left in the petrol account which I need to pop on my car only the way to work today. I did have a Tesco food shop coming Tuesday but have moved this back until payday as my cupboards and freezer and full I'll just have to make a meal plan and grab fruit, veg milk and bread....or maybe send DP as I cannot be trusted with a small shop!! 9 left in my pocket money account and 5 in my purse. Baby group set up drinks Wednesday night and 2 for group needed but if I stick to non alcoholic drinks that should work. Then the 9 can be for the fruit and veg. It's my god daughters birthday tomorrow oooh literally just remembered I have a big playdoh set waiting in the cupboard phew! This is the last of my present stash gone tho so need to stock that back up when things are looking better money wise. It really does save money buying when you see bargains instead of rushing out last minute and buying something. A close friend has arranged a spa day at the end of Feb for her birthday. It'll cost 95 before any other expenses so I've said I'll have to see how things are looking. We really are at a point with the house wheee every penny counts tho. Right best get these kids sorted for the childminder then get myself ready for work x
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • enthusiasticsaver
    • By enthusiasticsaver 6th Jan 18, 2:57 PM
    • 6,410 Posts
    • 13,194 Thanks
    enthusiasticsaver
    Hannah I have moved your thread to diaries section.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • enthusiasticsaver
    • By enthusiasticsaver 6th Jan 18, 2:58 PM
    • 6,410 Posts
    • 13,194 Thanks
    enthusiasticsaver
    Oh is this not the proper board? Can I just move the whole thing or will I have to start afresh?

    Quiet day in with the boys today. DP has just headed off to work after a lovely three days off together. Back to reality and sorting washing etc. My mum always comes for dinner and bedtime on a Thursday as DP works late so I'm going to make a slow cooker stew and use up all the extra veg I have going out of date from Christmas dinner. I also need to meal plan and make a small list to pick up after work tomorrow. X
    Originally posted by hannahroberts1985
    No need to start afresh. I have moved it.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • hannahroberts1985
    • By hannahroberts1985 23rd Jan 18, 11:39 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Morning,

    Long time no post. You'll be glad to hear I've been to busy to spend money!

    Anyone who saw my posts about my sister will be pleased to hear she is moving into a cute little cottage with her children Friday :0)

    BIG NEWS here......we've found a house, had an offer accepted (pending survey which is being completed tomorrow) and we have a mortgage in principle! S*** guys this is actually happening! The house needs a lot of work and isn't in our ideal location but we had to compromise with our budget. But it's a lovely Victorian 4 bed town house and we are committed to going to work it needs and saving up to make it a lovely open plan living space downstairs. Eeeek!

    I'm so sick the toddler is at school and the baby is just up for a nap so I'm on the sofa under my blanket ready to watch a film. I was going to have a quick Google of things I a)don't need b)can't afford but decided to check in here instead. Yes a cordless Hoover and a pretty dressing tablet would be lovely....but they can wait!! Going to rest and watch the film. X
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
    • enthusiasticsaver
    • By enthusiasticsaver 23rd Jan 18, 12:10 PM
    • 6,410 Posts
    • 13,194 Thanks
    enthusiasticsaver
    Exciting news about house. Hope all goes smoothly.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • hannahroberts1985
    • By hannahroberts1985 26th Jan 18, 7:30 AM
    • 818 Posts
    • 1,095 Thanks
    hannahroberts1985
    Thank you enthusiasticsaver,

    Quick pop in as I've spent the last 12 hours window shopping online! Waiting for the surveyors report to come back so feeling a bit bored, but buying cute bits for the boys bedroom is not a way to kill time!!!

    Dp's pay day today all money sorted and an extra 100 popped in savings. Waiting for HSBC to process a complaint for me a few years ago I had a ISA then when the help to buy isas came out I called and asked them to set up one of those for me instead....that was opened and I transferred all my savings in and continued to make my monthly savings deposits there in order to qualify for the help to buy bonus. I called the other day to see if they had a calculator of how much bonus I qualified for and it turn out they opened another ISA but it was the same as the existing on I had not a help! I hadn't noticed that the name wasn't help to buy on my online banking but then to be honest I didn't realise it had to say that. This could potentially cost me 1400!!! I've put a complaint in on the grounds it was a mistake their end as why would I call to close a advanced ISA and open an advanced ISA and transfer all my money over to that. They said it could take 8 weeks to process the complaint which I then called and said I don't have 8 weeks so hoping they process it a bit sooner. Nightmare.

    Lazy day in with the boys today my childminder has called in sick for today I was meant to have a day without the boys to clean and nap as I'm on a 9pm-6am tonight. Wahhhh whinge over we will have lots of fun instead today and I will drink lots of coffee on my night shift. She has also called in sick for tomorrow tho and I'm working again at 5 wahhh! My mum said she's pop over so I could have a few hours sleep and then stay until dp gets back. Going to be a tired few days. Thankfully I'm finally over my s&d bug and feeing better. That is not money related at all sorry just having a rant about life. Although we have paid the childminder nearly 200 for the two days and I can't find her contract to see if we will get a refund.....we shall see what appears on next mo this invoice I guess.

    Right best go x
    emergency fund:0/1000 Uniform fund:40
    Christmas fund 70 bday 45 Dp bday:166.00Noodle: me: 622 DP:576 Clear: 475DP: 414 mse:991/66%
    Family loan 7000/5750
    Credit Card 0% 1855 eon 800 next 88
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