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    • coastalchick
    • By coastalchick 5th Jan 18, 12:40 PM
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    coastalchick
    2018: Saving for Wedding and potential IVF
    • #1
    • 5th Jan 18, 12:40 PM
    2018: Saving for Wedding and potential IVF 5th Jan 18 at 12:40 PM
    As it's a new year, I thought a new diary was appropriate. Plus, I was glad to see the back of 2017 so didn't really want to carry on a new diary.

    About me: turning 40 this year, engaged, 1 cat. 2017 was a strange year. Ups: OH and I bought a house and got engaged, Downs: Cat had to have 3 surgeries (though he is fine now) and I had a miscarriage at the end of August. It was our first child and it was literally the worst experience of my life. Trying again but it's not happening. Seeing specialist 15 Jan to see what he advises. But potentially might need to go for IVF as suspect miscarriage was down to my egg quality with my age.

    We got engaged on a Friday and by the Monday we had decided on a date for wedding 5 months after, On the Tuesday we found out we were pregnant. Planned but unexpected as it was our first go. So we postponed the wedding and set another 2 potential dates for after baby due. However, 8 weeks later, found out we had lost the baby and are now a bit in limbo. Can't decide whether to just elope or just get on and book a big day for say June/July to give me chance to lose weight. Could well get pregnant in that time and worries are, if I do: morning sickness on the day (suffered from it SO badly last time), or miscarrying again. Also put off big day in case we need the cash for IVF. So many bloody issues!!!!

    ANYWAY. I have no debt (though was in debt massively in my 20's) other than mortgage. But savings were massively depleted when we bought house last year. Pension only just been started though have a flat in Tooting which is part of my pension. Ok financially but still worry. And particularly now because of potential costs of wedding/IVF.

    So need to keep self on straight and narrow!!!

    Tonight or tomorrow is big shop and have made a list. Won't be cheapest as we are going to try to do healthy stuff. No plans for weekend going out AT ALL for whole of January which am very very happy about!!!!

    Lunch today will be some fried eggs and wholemeal bread from stores.
Page 4
    • coastalchick
    • By coastalchick 6th Apr 18, 8:34 AM
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    coastalchick
    Well, so much for not going out on weekend! We ended up going for coffee and cake on Sat as we had got up early and done b&q, then picked carpet, though was only 8.80/2 so not that bad. Sun we ended up lunch out but was 17/2 so not like a big roast or anything. And we didn't spend anything other than that.

    Tues we paid deposit for carpet for nursery - whole thing fitted going to be 550 which seems a lot to me as we already have underlay but it is a big room and it's a nice plush carpet plus grey to try to hide dirt!!!! Nursery almost done now, just waiting on finding some wall lights (the ones in there are very adult - OH ordered some cloud ones but when they came they were awful and scratched so are being sent back) so will have to get electrician in as OH has managed to damage something when he was painting. Then carpet. Then we just need a few other bits which am going to try and pick up second hand (like nursing chair etc) and then it's done! A long way ahead and anything can happen but we have so much else to do round house that we wanted to get that room done first.

    Also had to pay for coffees Tues as went with a friend and she had picked up last time - 5.40. And needed a sandwich that day - 3.20. Have bought a few bits this week here and there as well too - approx 30/2.

    House insurance renewal came and it was 450 - I already have 213 for my share put away so only a few pounds more for me so that's good.

    We are not out this weekend, though may grab take out tomorrow. We stupidly ordered our wedding rings a few weeks ago when we thought we'd elope and they are here/ready so going to try them tomorrow and will have to pay for them! Will put those on the credit card and pay for them out of our pay at end of month - suspecting will be around 1500 for the two - OH's was ordered and mine was being made from a ring of my grandma's so just hoping he's listened to the brief and done a good job!!!! Such a nice way to re-use a ring of hers I would never have worn (it really was a hideous ring!) - did the same with another one and had it made into a necklace. My mum had given me 3 of grandma's rings.

    Got to do big shop this weekend also - but going to check cupboards and freezer to see what we can use up to make it cheaper.

    Pay for maternity now gone weird - so they're putting my paid holiday in the middle, after end of my 19 weeks paid, but before my 8 weeks unpaid. Not sure if this is so they can take the SMP for those weeks but I don't think they can because that is holiday which I am entitled to. So wondering if they just take 18 weeks SMP off me? Might have to clarify how it works. Kinda works better that way as means it's only March where I get nothing at all, but that is when bonuses are paid so should hopefully get a bonus then.

    I think I know deep down we are ok financially, but because I've been in an awful debt situation before, I am just very paranoid about making sure we always have enough. I think whilst we are both working we are ok, but guess I worry about retirement a lot. Then I think I should go back to work (a) full time and (b) as a proper lawyer so can capitalise my earnings. But I hated it so much and I'm already upset at the thought of having to leave my baby for 4 days a week!
    • enthusiasticsaver
    • By enthusiasticsaver 6th Apr 18, 11:55 AM
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    enthusiasticsaver
    So you get 19 weeks full pay then holiday on full pay then SMP? How long are you planning to take off? My DD is on maternity leave expecting DGD2 at the moment. She got holiday on full pay first then maternity pay then SMP.

    To be honest I would not worry about retirement, just as long as your pensions are covered. It is child care costs my DD and son in law find tough as do many other young families. We have DGD1 one day a week and will also have the baby, other grandparents do a day and the girls will be in nursery from 9 to 3 on the other 3 days. My DD works part time since having kids both from the point of view of finances and keeping her foot in the door at work and minimising childcare costs and spending time with the babies. My DGD1 gets her 30 free hours next January just as baby starts. Age gap worked out deliberately by DD.

    It is a shame if you hate your job but maybe working less hours would be better for you? Will you have any grandparents help with childcare?
    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
    • coastalchick
    • By coastalchick 6th Apr 18, 1:51 PM
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    coastalchick
    Yep 19 weeks full pay, 2 weeks paid hol before baby due and 2 weeks full pay after my 19 weeks ends then 8 weeks on SMP (I live offshore so diff rules to uk). In total just over 7 months off, so 2 unpaid.

    Thankfully we won't have any childcare costs as MIL is looking after him 4 days a week so I can work. Work have allowed me to change my hours from 8-330 with a half hour lunch so I should be with him by 4 each day latest. Then will have weekend and either a fri or mon off or do a half day mon and half day fri. I know we are v lucky to have MIL, she did same for OH's sister (and still does) but the eldest grandchild now in school and the other one will by by next sept so she will only have 3 of them at once for around 45 mins doing pick ups from school as I'll be at hers by 4 latest to collect ours (and sometimes she'll have 3 of them in school hols). My parents live in uk so can't help though may come over for a week here and there.

    I think I only worry as I was in serious debt at uni and for a few years after, after trying to keep up with the Jones's. I have learnt my lesson on that one and am quite quick to pull myself back from it when I feel it happening again. For example, we only have 1 car at the moment - only reason being in our last place we didn't have any parking so it was hard enough finding a spot for 1 car, let alone 2. So OH sold his car and we've managed with 1 since then (over a year). But now, we need to think about getting another before the baby as he might need a car whilst I'm on mat leave and so it is too diff with only 1. Then when I go back to work, he is going to have to do the drop offs at his mums as I will be starting at 8 and I will do pick ups so he is going to need a car.

    Anyway, the car we have is fine but not flash and I was thinking I'd trade up and get a nice car. But if we are getting a decent one for him (I say him but it will be mainly used by me on maternity and he will have the other one, but will be the family car for holidays etc as will be more reliable) then if I get one too that's a big chunk every month. So have reined it in and decided we will keep my car, and just focus on getting 1 decent one between us. In the past, I'd have been straight to the dealer signing on the dotted line just because I wanted something "nice". Now I'm thinking the money would be better saved.

    Still spent 54 in supermarket - did get a few extras but not many! Though that it much cheaper than normal. Bought OH some beers which weren't on my list but they were only about 4.
    • enthusiasticsaver
    • By enthusiasticsaver 6th Apr 18, 2:03 PM
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    enthusiasticsaver
    You are very lucky to have your MIL look after your baby for 4 days. I find 1 day is exhausting looking after my DGD1 and we will have DGD2 on the same day which is fine but think I would struggle with 4 days. Obviously if our DD was struggling financially though we would help more. As you say if she has done that many days for a while she is obviously used to it. That will save you a fortune and it sounds like you have learnt your lesson re not getting into unnecessary debt.

    Getting an extra car is another expense but if you start work that early it makes sense for your OH to do the drop offs and you do the pick ups. The only difficulty with that is needing 2 child seats which are not cheap. I guess you could take it in and out but they are a bit of a faff. DD has just ordered an isofix base for baby as DGD1 is still using hers. Luckily as she works part time short days she does drop offs and pick ups so her DH doesn't bother with seats in his company car.
    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
    • coastalchick
    • By coastalchick 7th Apr 18, 12:09 PM
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    coastalchick
    Gah, OH decided wanted something different for tea tonight (parsnip and pancetta pasta which, to be fair, is my fave so I can't really say no!!) so we got ingredients for that (plus choc and a cake) so 16.16/2). He's just spent 24/2 in b&q but that is to start on hallway which needs doing and cheaper than getting someone in so can't complain.

    Then 6.50/2 on worming tabs for the cat!

    Went in to see wedding rings, I am not happy with mine. He's not really listened to the brief or taken note of the pics I showed him so am going to go back on Monday and show him what I wanted - it might be he can't do that due to shape of my engagement ring/size of diamonds but he's charging me 1100 for it (originally said was 750) so got to be happy. It was just really thick and the diamonds were set down in the ring rather than up on top which is what I'd wanted - but not sure what happens if not fully happy - guess I just have to live with it as guessing still have to pay?
    • enthusiasticsaver
    • By enthusiasticsaver 7th Apr 18, 2:33 PM
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    enthusiasticsaver
    I would be a bit gobsmacked he upped the price to 1100 without checking first to make sure that ok. I would not be happy paying for something that bore no resemblance to the original brief.
    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
    • coastalchick
    • By coastalchick 7th Apr 18, 3:23 PM
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    coastalchick
    yep I know - I think it's because the amount of platinum required was more than he originally thought as the diamonds were bigger. I've called and he's now on hols for a week so have said not to do any more work on it as I'm not sure about it. I'll pop in when he's back and go through it with him - to be fair, it might be because of the diamonds, I'm not sure. I think he will be fine as I do buy quite a lot from him so hopefully he will sort it out.
    • louby40
    • By louby40 8th Apr 18, 1:48 PM
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    louby40
    Congratulations on your baby news!

    Boys are fab! I have 2 boys now aged 18 and 14.
    • coastalchick
    • By coastalchick 11th Apr 18, 2:26 PM
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    coastalchick
    Been signed off work since start of week and put on an inhaler! Am fine, it's just a cold but up most of the night coughing guts up which isn't pleasant!

    MSE wise, not great but could be worse. On sunday bought a rocking chair thing and playmat second hand from someone I know - 20 - but 10 was from a desk I'd sold and 10 my dad sent us to get an easter egg so glad it covered that. Both things were in vgc and are each around 50 new so good saving there.

    Carpet is now down in nursery so OH and I each to pay 137 as we'd already paid deposit. Looks good - just need to order some cloud lights now and then get the stickers up and it's not far off done!

    OH has started painting hallway - it's white with taupe for the skirtings/doorways - think it is looking good but will be in paint.

    Other than that, not spending really (other than on things like prescription and top up milk etc) as off sick!

    Need to order some more maternity clothes but going to look at finances in a mo and see what I can justify given carpets, paint etc and fact we will need to do a big shop this friday.

    Get paid next friday so will then be a whole new month's budget, though it is not stretching all that far at the moment given paint, carpets and baby stuff being bought!!!
    • coastalchick
    • By coastalchick 12th Apr 18, 11:27 AM
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    coastalchick
    Still off sick and seem to be going downhill - feeling generally grotty, exhausted and coughing a lot. Not pleasant!!!!

    OH just buying bits each day so not too much thankfully. Need him to get me something for my tea tonight as he is out for a curry.

    Thinking of having jacket potato with cheese and beans for lunch from stores as have not really been eating much and apparently should be gaining 1lb a week in second trimester.

    Life pretty dull at the moment - doing nothing but sleeping or watching tv due to illness
    • enthusiasticsaver
    • By enthusiasticsaver 12th Apr 18, 11:42 AM
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    enthusiasticsaver
    Sorry for you feeling poorly. I think pregnancy reduces your immunity to viruses etc . Exciting to get all the nursery ready.

    We are expecting our DGD2 any day as DD admitted to hospital earlier this week with pre eclampsia so will deliver early when doctors feel she is ready. She had it with her first DD so I am not surprised.

    Hope you feel better soon.
    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
    • coastalchick
    • By coastalchick 12th Apr 18, 3:32 PM
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    coastalchick
    Thanks ES. Hope your daughter coping ok with the PE and that your DGD2 is here soon!!!
    • coastalchick
    • By coastalchick 13th Apr 18, 8:22 AM
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    coastalchick
    Another 45 each yesterday for taking away 2 bags of mixed waste - gah! We do tend to hoof off what we can/recycle but there are some things which just have to go to tip.

    I think I am going to try to flog a load of stuff this weekend - I have a set of golf clubs which have been used twice and are taking up room. Wondering whether to flog or keep. Even if I wanted to, given we have a LO on the way, it's going to be YEARS (poss 18!) until I could actually have time to play! So thinking flog. Also trying to flog my desperate housewives full boxset but am missing 1 DVD (how annoying!!!). Got loads of DVDs to flog but people don't tend to want them these days (as a lot is on sky boxsets/netflix) so mine end up going to charity shop in end.

    OH went out for curry last night (lucky thing) so got me a lasagne for tea which was nice. Had a relaxing evening with the cat watching Criminal Minds. Tonight we are getting take away but will be somewhere between 21 and 25 depending on if OH wants the side salad. We haven't had it in ages so a treat.

    Got about 375 left until get paid on 20th. Tonight's take away and a big shop to do. Though OH wants me to get seeds and trays for greenhouse so might have to spend on that. I am also in desperate need of some more maternity wear - have quite a few things in my basket online though tempted to wait until 20 week scan (2-3 weeks depending on when they do it) in case anything wrong. That said, we go away on 8th May for a few days and I probs do need some stuff before then and it might not arrive if don't order it now.

    Might just see how much we spend over weekend on shopping, paint and seeds and what's left I can spend on clothes. Would love to save some of this month's budget money however, but I really do need some more maternity wear as I have to be dressed!
    • coastalchick
    • By coastalchick 21st Apr 18, 1:49 PM
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    coastalchick
    Ended the month with 36 left in my budget so hoofed that over to long term savings account. Every little helps!

    Done big shop which was circa 70/2. Take out last night was 13.50 each. Have bought compost seeds, plants etc and a new door mat today which was around 85/2.

    Been planting up seeds for greenhouse - have planted 24 spinach, 16 squash and a sweet potato plant so far. Quite a few to go (cucumbers, 2 diff type of tomatoes, potatoes and sunflowers). We have a lovely glasshouse in garden (left by owners before ones we bought from) so trying to make use of it for once. Not sure I'm very green fingered but can only try!

    Off to my friends in a mo to see her and her little one. OH off to b&q again so god only knows how much he'll spend. Am budgeting for an expensive month (again!).

    Bought the little one some socks in WR last night - reduced to 2.50 for 5 pairs so not bad. He should need very few pairs for first 6 months as will probs be in baby grows but will need the odd pair of socks too.

    Tonight OH and I are out for dinner, just us. Early bird though and they need table back by 8 so that's fine as we are both shattered and obv I can't drink! Not sure how much that will be but hoping fairly minimal.
    • coastalchick
    • By coastalchick 22nd Apr 18, 8:37 AM
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    coastalchick
    OH just got ant killer (we are overrun by ants - thankfully in garden but this seems to be an annual thing so want to get them early) and petrol. Not sure how much so will just wait until it shows up on joint card.

    Dinner was 36.50 each last night - 3 course though in a v good restaurant - OH had a beer and a glass of wine and I had lime and soda. Home by 8 and went to bed!

    Today we need a few more bits for garden which I will go and get when shops open at 10. Going to OH's mums for lunch then having a bbq tonight (just us) but burgers, sausages and rolls etc already bought in the big shop on Friday.

    Hoping next week will be frugal-ish as we have all supplies (bar probs a top up of milk) bought. Have to pay 5 for a sports and social thing then we are at cinema tue night so probs some sweets but minimal. OH out weds night with his workmates but that's out of his budget. Thurs night we are to neighbours for dinner and already have bottle wine bought in big shop to take. Might also get some flowers.

    Big stuff this week is car service weds - god knows how much as there is something clanging underneath car! And we are to London friday/sat - OH bought us a cooking lesson with Sabrina Ghayour (Persian chef) for xmas. That and hotel etc already paid for but will obv be costs of being in london - mine will come from holiday budget account though - have around 1250 in there as put 250 a month away for hols and then my dad usually gives me a cheque in june and december from his racing winnings (around 1k a time - I know I am v lucky) so that goes into that account too.
    • coastalchick
    • By coastalchick 5th May 18, 7:58 AM
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    coastalchick
    Very little point posting MSE wise - OH has gone mental and spent 600 on wood and soil to make one raised bed for growing veg! I am NOT happy. He's also in b&q every 5 minutes with the credit card buying stuff he says he needs to sort house/garden. So this month is not good!

    We go away Tues-Sat next week but thankfully that will come out of my holiday account.

    Then we have expense as we are having a big party for royal wedding. I am going to try to keep control of the spending by taking control of the food/drink purchases, as otherwise OH will go overboard and we will have loads leftover/wasted.

    Next month not going to be much better - we have his dad and stepmom staying with us a week so will have to feed them every night. Then will be holding BBQ here for father's day and will be expected to provide everything - might get his sisters to bring stuff as well as doesn't seem fair we should bear all cost, esp if we've borne cost of feeding people all week too.

    Gah! And still pram/car seat/things to buy for baby!!!!

    Will post again when more positive!
    • enthusiasticsaver
    • By enthusiasticsaver 5th May 18, 8:48 AM
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    enthusiasticsaver
    Your OH sounds like mine. He has a personal budget as do I and the agreement is that it is to be used for personal expenditure like clothes, haircuts, personal entertainment. He has spent all of his this month on his hobby again even though he has about 10 projects on the go already and it is only the 5th and now needs new trousers and wants to know what budget to take it from

    Expensive time though for you and not sure when your OH is going to get time to look after veg garden with a new baby in the house. I think my DD and SIL have trouble finding time to sleep let alone garden. Babies are time consuming.
    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
    • Bluegreen143
    • By Bluegreen143 5th May 18, 9:21 AM
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    Bluegreen143
    Just read your diary and wanted to say a big congrats! I am in the early stages of pregnancy with my second so I know how exciting it is when is your baby due?

    There are big savings to be made not buying into all the marketing for new parents - Im going VERY minimalist for new baby this time after feeling that we dont even need half the stuff we have saved in the loft! Boobs (or bottles), bedside crib & bedding, slings, pram/car seat, sleepsuits, cloth nappies, some playmats/blankets to let them lie on the floor and I cant think the baby will need much else for the newborn stage. We all have different needs so I wouldnt say every family should do as we are by any means! Just to reassure you it doesnt need to be budget breaking. Its fab you have free childcare too, plus you will feel so much happier leaving him with his grandma and knowing he is getting that one on one care I bet. Best of luck xx
    Last edited by Bluegreen143; 05-05-2018 at 9:24 AM.
    Married 1 March 2014 DS born 06/12/15

    Debts
    CC - 2,182.17/2,182.17
    Family loan 1 - 1,680/1,680
    Family loan 2 - 3,500/5,000
    • coastalchick
    • By coastalchick 26th May 18, 9:19 AM
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    coastalchick
    Congrats Bluegreen! I'm due mid-sept. How old's your first and when is your second due?

    Agree re the marketing! We're really trying hard to just get essentials (pretty much what you've mentioned). in fact, we bought a second hand pram/buggy on Mon! Someone I know (so knew it would be in decent condition) was selling an icandy one which converts from single to double (as we will have to crack on relatively quickly with a second due to my age) and came with all the extras (car adaptors, footmuffs, rain covers etc). It was 350 but new, it would have been about 1400! And she threw in a brand new still packaged breast pump which looks to be a decent one. So we're happy with that. Might buy a new mattress for the carrycot element however, for hygiene reasons, but that's only about 30.

    The only thing we won't buy second hand is a car seat for safety reasons. So that's going to be next month's purchase, along with a cot (want one of the sleep next to me ones).

    Finished last month within budget and with around 146 left over so that got hoofed into savings. On this month's budget now and looking a relatively expensive month. Already bought the buggy and it's OH's birthday this month so am taking him for dinner and buying some sunglasses he wants - so quite expensive. Plus we have his dad and stepmom staying with us for a week shortly so will have to feed them. Luckily we've loads of booze left over from a party we had last weekend so that should cover that element! But I will have to meal plan!

    Today we are car shopping. We only have 1 due to previous lack of parking but since we moved (over a year ago!) we now have loads of parking and we do need 2 cars for the little one, and because OH tends to go to work way earlier (he's normally there for 7/730) than me and I am struggling to walk in every day now and it will only get worse! So, we got a 0% credit card for 30 months with a limit of 12,500. We are planning on spending a max of 10k (as we do need a decent car as there will be many more holidays by car now with the little one) on the card and paying it off over the 30 months.

    I had paid for what was my car myself and OH had sold his so we'd been sharing, so OH paid me half what I paid for my car and then we will just pay off the other car equally and they will both be jointly owned. Thinking the card was a good idea so we avoid having to spend our money (which OH instead invests in stock market) and paying someone interest!

    OH got his bonus this week too which was decent and a couple grand pay rise which, after tax/NI doesn't equate to much but which was better than I got with mine and which should cover increase in cost of living.

    Just have to try and be a bit more frugal on the old food shop this month! OH not helping and was at b&q at dawn's crack this morning spending more money on stuff for our veg growing escapade!!!!!
    • enthusiasticsaver
    • By enthusiasticsaver 26th May 18, 1:15 PM
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    enthusiasticsaver
    Hope you managed to get car. Tip is to check your buggy fits in. One of my DDs friends bought a new car and then found the buggy didn't go into the boot. Mind you a lot of buggy's these days have wheels which can be removed easily. My DD had a 2nd c section for her DD2 about 5 weeks ago so couldnt lift or drive for 6 weeks so I have been going on shopping trips with her to help get the buggy out of the boot for her and it even fits in my relatively small boot.

    Your DH seems to be going mad on the garden spend. I hope all this veg growing will keep your food spends down but not sure when he will have time to tend it with a new baby in the house.
    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
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