Today was payday. I phoned in sick one day last month so my pay was less than normal.

I'm not going to put any money towards my regular savings this month (apart from the automatic savings). There's two reasons for this: I want to build up my car fund and we will be buying baby stuff so I'd rather the money went there. My MOT is due next month and I don't want a repeat of last year (I had cleared CC1 and then after my MOT I added £770 to it) I'm really hoping that it won't be half as bad this year, so I'm trying to be prepared.

Hopefully having a car fund this year will benefit me. Also, I spoke to hubby and if it comes to it I would rather take money out of savings to pay for any work that needs done. I just don't want any more credit card debt, especially with a baby on the way. I'm confident that we will be able to replenish any money taken out of savings... but I'm hoping it won't come to that.

I paid extra towards both credit cards. Hubby gave me £80 towards CC2 so I paid that straight away.

My final car payment is due in April. We're starting to put money aside for it since it is double my usual payment. By the time April comes I will be on maternity leave and not receiving full pay so I have to be organised.

Baby fund will be wiped out tomorrow. We're going shopping. I have a list of things that I need to get. We're going early, I hate the shopping centre on a Saturday afternoon.