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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,982Posts
    • 13,286Thanks
    kirtsypoos
    I WILL get there!!
    • #1
    • 24th Jul 15, 12:08 PM
    I WILL get there!! 24th Jul 15 at 12:08 PM
    Hello,

    I've been lurking on this site for almost 2 years now, admiring everyone elses stories but never quite getting the balls to sort myself out.

    Well, that's all changed. I've been diagnosed with a severe reproductive disease and advised to have children in the next 2 years if I want them or it will no longer be an option...bit of a shock to the system and a jolt out of the credit card haze I've been living in, as I'm in no position to have a family with the amount of debt I have now.

    I had a lot of time off sick whilst waiting for a diagnosis/having surgery and don't get paid sick pay so used an interest free money transfer to pay my rent for a few months last year and managed to keep up the rest of my minimum payments but this just added to the problems I already had. I've started a great drug regime and haven't had any time off since my last op so I'm aiming to keep that up and pay as much as I can off all my debts as quickly as possible.

    So here's the list of debts that I've buried my head in the sand about for years!

    £6732.27 MBNA (interest free until Jun 2016)
    £2746.89 Barclaycard (Interest free until June 2018)
    £560.00 Barclaycard
    £2740.96 Vanquis (This is actually my parents debt albeit stupidly in my name as the were on an IVA, and they are making the repayments)
    £1789.23 Very (half Interest Free Until November, the other half interest free until May 2016)
    £10562.14 Natwest Loan (Cleared an amigo loan and some payday loans that I had stupidly got into - much lesser interest than the original debts)

    Total £25131.49 (ouch!! Although better than the 29400.23 it was at this time last year...)

    (with the MBNA and long barclaycard interest free I've managed to balance transfer 6(!) smaller credit cards which I was paying extortionate interest on, so that's a bonus at least)

    I guess I'm just after a bit of support - I made a lot of stupid decisions when I was younger but never thought it would affect me having my dream of a family but when I sat down and added it all up I felt sick, and like it was a little insurmountable. I know I can do it - I can't think of a better reason than my (hopefully) future children

    Thanks for reading

    Kirsty
    Last edited by kirtsypoos; 26-08-2015 at 3:53 PM. Reason: add total
Page 75
    • monz
    • By monz 9th Aug 17, 10:12 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    The only thing pregnancy did was put me off tomatoes like actually gave me the boke,,, wish it was chips or something. Strange thing my boy cant stand tomatoes and I went back to lovig them since he was born lol

    my mum hates fizzy drinks and only drinks water but preg with me drank by gallon until had me n i cant drink water only fizzy drinks haha so strange xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • kirtsypoos
    • By kirtsypoos 9th Aug 17, 10:19 AM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    I'm finding it so strange! I really want stodgy things like mashed potato or chips, bread and cheese but even if I eat what I fancy it doesn't last long! One of the girls in the office was talking about pork pies and then I thought about the jelly in them and had to make a mad dash to the loo
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • Jessy103
    • By Jessy103 9th Aug 17, 10:56 AM
    • 448 Posts
    • 1,889 Thanks
    Jessy103
    Oh kirsty I hope the 'all day sickness' eases for you soon!! Make sure you take care of yourself and your little jellybean, work can take a back seat! Erm I'm not pregnant but love ginger so can i have your share of ginger biscuits please?!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22
    • kirtsypoos
    • By kirtsypoos 9th Aug 17, 11:13 AM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    Be my guest Jessy - I bought a couple of packs thinking they would be a miracle cure... that will teach me for expecting too much and buying stuff which would go to waste if my dad didn't inhale a pack of ginger nuts with every other cuppa

    OH came back from kung fu last night and made his usual meatballs - that was the first thing 3 weeks ago that give me any indication I was pregnant, the smell made me heave and he has them twice a week (his go to quick food after kung fu) but this is the first time since then that I was awake for them cooking - not good

    My mom craved pizza when she was pregnant with me - one of my favourite foods now! and craved chocolate when pregnant with my sister and she is a right chocolate fiend so maybe the baby will be a stodge eater like me
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • abba1772
    • By abba1772 9th Aug 17, 6:36 PM
    • 3,865 Posts
    • 11,155 Thanks
    abba1772
    I went off all meat couldn't eat my dinner if I smelt it being cooked.......I lived of chip cheese and curry sauce
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5382.77
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £4890.54 / £6000
    • kirtsypoos
    • By kirtsypoos 9th Aug 17, 7:14 PM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    Ooooh that sounds nice Abba! The only thing that sounds remotely pleasant at the moment is pineapple pizza from dominos with garlic and herb dip not very though!!
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • abba1772
    • By abba1772 9th Aug 17, 9:03 PM
    • 3,865 Posts
    • 11,155 Thanks
    abba1772
    Get the pizza from Asda and buy the dip from dolminos
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5382.77
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £4890.54 / £6000
    • kirtsypoos
    • By kirtsypoos 9th Aug 17, 9:07 PM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    I've caved tonight but ordered extra sauce so I can just get cheap pizza from elsewhere next time
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • kirtsypoos
    • By kirtsypoos 10th Aug 17, 9:29 AM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    Well the pizza was lovely for the hour is stayed down! What a waste of money - this baby doesn't appreciate that we went against our money saving ways to keep it happy

    I'm planning to work on spreadsheets tonight as I want to be under £160k left on the mortgage by the time the baby arrives so I need to make some overpayments while we still can.

    Still counting down the minutes to the scan (2970 in case anyone else is interested )
    Last edited by kirtsypoos; 10-08-2017 at 9:51 AM.
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • monz
    • By monz 10th Aug 17, 10:22 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    ahhhh cannot wait to hear about scan!!! need every single detail xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Hiddenidenity
    • By Hiddenidenity 10th Aug 17, 12:45 PM
    • 5,060 Posts
    • 22,997 Thanks
    Hiddenidenity
    ahhhh cannot wait to hear about scan!!! need every single detail xxx
    Originally posted by monz
    From me too
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Bobarella
    • By Bobarella 10th Aug 17, 6:05 PM
    • 10,475 Posts
    • 69,539 Thanks
    Bobarella
    I really hope the scan will be a wonderful experience for you Kirsty. Im sorry to read you've been suffering with morning sickness. Poor you. That baby better be the cutest in all the world (how could it not be )

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • monz
    • By monz 11th Aug 17, 9:04 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Tomorrow you are going to see your baby !!!xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • kirtsypoos
    • By kirtsypoos 11th Aug 17, 9:12 AM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    25 hours!! 1502 minutes! I am equally excited and terrified but I'm sure that's normal, right?! x
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • kirtsypoos
    • By kirtsypoos 11th Aug 17, 12:47 PM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    I didn't get round to the budget spreadsheet yesterday as I had a bath and fell asleep in there for 1.5 hours!! Then read a book I'd been meaning to read for ages and then went to bed
    I'm so tired that it's all I can manage - that and eating little jelly pots which are my lifeline at the moment

    Niece has 4 more teeth working their way through at the moment so she isn't feeling too hot - am going to try and get over and see her this weekend as I haven't seen her for over 2 weeks and am having withdrawal symptoms! Plus if all is well tomorrow I'll probably want to show the scan picture off to the parents, sister and brother in law
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • enthusiasticsaver
    • By enthusiasticsaver 11th Aug 17, 2:34 PM
    • 4,426 Posts
    • 8,202 Thanks
    enthusiasticsaver
    I feel so sorry for babies struggling with teething. Our little granddaughter, two next month is having her molars coming through now and you can tell she is really suffering sometimes.

    Morning sickness is awful, I remember it with both of my girls and could not manage to finish cooking a meal in the first four months of pregnancy. My daughter used to feel sick just brushing her teeth when expecting her daughter. Hopefully it will start to tail off in a month or so. Good luck with scan tomorrow. Exciting but nerve wracking times, just like bringing up kids.
    Countdown to early retirement on 21.12.17 2 months to go.
    • kirtsypoos
    • By kirtsypoos 12th Aug 17, 8:35 PM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    Had my scan this morning and I am officially completely in love with our little donut

    Saw a beautiful heartbeat (131 bpm), the little head, arm buds and the developing brain! It feels so surreal even now. I sobbed as soon as I saw the heartbeat and to be honest I'm still having weepy moments now!

    Spent the rest of the day with my parents, sister and niece, who is almost 11 months old and kissed and rubbed my tummy without prompting! Babies really do have sixth senses!
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • enthusiasticsaver
    • By enthusiasticsaver 12th Aug 17, 9:46 PM
    • 4,426 Posts
    • 8,202 Thanks
    enthusiasticsaver
    Wonderful news and what a relief for you.
    Countdown to early retirement on 21.12.17 2 months to go.
    • Hiddenidenity
    • By Hiddenidenity 13th Aug 17, 11:06 AM
    • 5,060 Posts
    • 22,997 Thanks
    Hiddenidenity
    Wonderful news and what a relief for you.
    Originally posted by enthusiasticsaver
    From me too! I'm so happy for you x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • sashybo
    • By sashybo 13th Aug 17, 11:31 AM
    • 2,434 Posts
    • 18,514 Thanks
    sashybo
    Good news on the scan Kirsty.

    I must admit crying at my first scan with DS, it makes it much more real at the early stages.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8770 extra paid off debt. Total Debt paid off £45,596.74
    Loans 1 & 2 £4007.18, CC 0% BT £475, Car loans £24,485.65
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