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    • hannahroberts1985
    • By hannahroberts1985 15th Jun 16, 9:18 PM
    • 828Posts
    • 1,096Thanks
    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


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    Last edited by Former MSE Jessica; 18-04-2017 at 2:48 PM.
Page 35
    • hannahroberts1985
    • By hannahroberts1985 6th Aug 18, 7:21 AM
    • 828 Posts
    • 1,096 Thanks
    hannahroberts1985
    Morning,

    Just in bed having a brew. Back to work this weekend which has done my brain the world of good. My aching body isn't so happy with me but mental health is so much more important that physical right now. I know my bruisers and bumps will mend themselves the brain takes work.

    I've still not received a letter from tax credits so a little worried about spending the money. I've researched and a little and a lot of people get over paid by accident and have to pay it back. If I get any more I will put it straight to the emergency fund and use it to build that up then it's there if it is a misktake. I'll just not include it in my budget and move it to the isa the day it comes in.

    Meeting my sister at a big park for a picnic today. I'll have to grab my last bit of cash for ice creams. Then it's a week and a half with no money. I've got baby group cash saved ready then the kids are at the childminders fri & sat. Dp is off Sunday and ds has been working really hard to fill up a reward chart for a trip to an ice cream parlour so we'll have a picnic somewhere then head there after and dp can pay ;0).

    Electrician estimate in at 180 he's doing one more job this week then will send an accurate bill but I'm happy with that I was expecting it to be a lot higher.

    Has to get a tv cabinet this week my sister is storing a load of furniture in our garage and we borrowed a tv cabinet from there but she's moving next week so needs it back. I've been keeping an eye on facebooj and managed to get a lovely tv cabinet and matching side board for 100 I now want to decorate the living room. It just needs painting and some pictures we already have hanging but that can wait until autumn it's far to hot to be paining.

    Just been onto the online accounts and skimmed all account to round them down and moved to savings. Think I'll try and do this weekly.

    Right I'd best get this day started and make the picnics. X
    emergency fund:179/ 1000 Uniform/car fund:
    boys savings
    Christmas 60 bday 40 holiday

    Family loan 7000/5425
    Credit Card 0% 2015.32 eon 435 overdrafts 1500/1300
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