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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,843Posts
    • 12,699Thanks
    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 2
    • Bobarella
    • By Bobarella 31st Jul 15, 9:03 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Thanks Bob!
    I listed a few things on ebay also, so hopefully that will bring in a few pennies.
    Paying extra little bits is feeling quite addictive at the moment
    Originally posted by kirtsypoos
    Totally agree. I forget if I mentioned it to you but I am loving the Payment a Day challenge at the moment. It has given me such a boost to try & find even £1 a day to knock off the numbers.
    " 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
    • kirtsypoos
    • By kirtsypoos 1st Aug 15, 7:15 PM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Totally agree. I forget if I mentioned it to you but I am loving the Payment a Day challenge at the moment. It has given me such a boost to try & find even £1 a day to knock off the numbers.
    Originally posted by Bobarella
    That sounds great, I'll definitely be partaking in that challenge - is there a thread on here to join?

    I've got off my backside today and gone through my spare room and garage and filled my car ready to head off at stupid o clock to do a car boot sale. There's nothing of any value, only 50p things but hopefully that will add up!

    I'm off to stay with my parents for tonight as the boot sale is near theirs so may not post tomorrow depending what time I get back, but I'll update with the car boot total as soon as I can get to my computer

    Thanks for reading
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 2nd Aug 15, 10:00 PM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Well I got up at 6am and went to do a car boot this morning. I came back with half the stuff I took which I find frustrating but I made £62 very pleased and when I can get to the bank I will transfer the money onto my very account
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 3rd Aug 15, 12:05 PM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    I've joined the Payment a Day Challenge and paid the car boot money off my very account this morning - definitely heading in the right direction, it's just a slow process and I need a lot more patience!
    Also sent a dress back and had a refund of £60, which I've paid half off my very and half off my BC.
    Still feels a bit insurmountable (I know I'm just having a bad day but it's getting to me today, can't stop thinking about how I let it get to this point)
    Updated my signature as the interest on my loan is slightly less than I thought this month
    Last edited by kirtsypoos; 03-08-2015 at 12:16 PM.
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • Bobarella
    • By Bobarella 3rd Aug 15, 9:59 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Kirsty - well done on the brilliant £62 from the boot sale that is a fantastic PAD start!
    " 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
    • kirtsypoos
    • By kirtsypoos 4th Aug 15, 8:45 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    I've just had some brilliant news! I'm getting a small (not so small in my mind!) bonus from work which will be paid at the end of the week. I've been told it will be a couple of hundred pounds but won't know for sure until it goes in. I'm so excited. Always nice to feel appreciated, especially when it's going toward helping me on my debt free journey

    I'm contemplating opening my money tin also, i've been collecting 20ps for 2 years now so I'm sure there will be a fair amount in there which will help to pay off, it just pains me to open it!

    I've just had £150 become available in my paypal account from some ebay sales also - I've really embraced the selling but I don't know what I'll do when the things I can sell are gone! Because I know there will be some money coming from this bonus I've rounded it up out of the grocery budget and paid off £200.00 from very. I'm a little worried about how much my payments will slow down when I've run out of things to sell, but for now I'm just pleased to be getting somewhere.
    Last edited by kirtsypoos; 04-08-2015 at 9:00 AM.
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • Bobarella
    • By Bobarella 4th Aug 15, 10:22 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    That is amazing Kirsty!!!!
    " 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
    • kirtsypoos
    • By kirtsypoos 5th Aug 15, 9:35 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Not so good today but still managed a payment of £3.07 to my BC CC by tidying up the bank balances and sticking to even numbers We are having dinner at a friends so that has reduced this weeks food bill although I'm finding it much more difficult to stick to the food budget than I thought. Am going to look into the possibility of a muscle food bulk meat order which will hopefully last almost a month for £75.00 and then I'll just need to buy accompaniments...worth a try I suppose.

    Having had a good think about the balances and how I can get everything paid off quicker, I decided to do a balance transfer from my vanquis onto my barclaycard 0% so the amount I pay to vanquis will remain the same, but will hopefully clear quicker.
    I wasn't sure if it would clear as I heard horror stories about vanquis not accepting balance transfers but I've just checked and it's cleared onto the account. Baby steps!
    Last edited by kirtsypoos; 05-08-2015 at 9:54 AM.
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • Bobarella
    • By Bobarella 5th Aug 15, 9:06 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    That is great. How long is the 0% for?
    " 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
    • kirtsypoos
    • By kirtsypoos 6th Aug 15, 9:44 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    It's got 35 months left (I'm not sure how I got accepted with my level of debt, but it allowed me to pay off 2 high interest cards before starting my Debt Free Diary) so I thought if I can focus on paying off extra on the vanquis card which has a horrendous interest rate, it would be beneficial in the long run.
    I've made a nominal payment to my credit card today, but it all helps
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 6th Aug 15, 6:39 PM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    So I got my confirmation of bonus today and it's £529 can't believe it, I was only expecting £200-300 so I'm thrilled. It will go into my bank tomorrow so have set up a payment of £300 to very and £230 to MBNA.
    There is a big BUT though... I know that this marks the end of me being able to pay big amounts off as I've sold all the things I was able to get a decent amount for so from here on out it will be my normal payments and the odd smaller extra payment, at least until next bonus time which will hopefully be around Xmas.
    I did buy my OH some things on my very account earlier this year which he will be paying me back for shortly so that will be another chunk, and hopefully clear the very account but I'm worried that without seeing big chunks like I have been I will get very down about the amount I owe.
    I know every little helps and I'm trying to concentrate on that but it does worry me.
    I also have city breaks coming up (booked and paid for a long time ago) I have already got some spending money put aside, but I'm worrying about the rest - I'll be doing the city of a shoestring which is fine by me if it means being debt free but I need to hammer that home to my OH.
    Thanks for reading my ramblings, as always!
    Last edited by kirtsypoos; 07-08-2015 at 11:56 AM.
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • Bobarella
    • By Bobarella 6th Aug 15, 6:55 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    35 months is incredible! That gives you plenty of leeway..and congratulations on the amazing bonus too!

    Never say never on how much you can afford to pay off , I have found setting a target and then a stretch target to be massively beneficial each month. Side hustles can come in all sorts of guises not just eBaying.

    Nice to have the city break to look forward to as well.

    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
    • kirtsypoos
    • By kirtsypoos 7th Aug 15, 10:03 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Thanks Bob, I was so surprised to be accepted but very grateful as it will go a long way to helping me on my debt free journey.

    I'm finding the Payment a Day a big help, seeing the numbers constantly going down, even if only by small amounts is a big benefit for my mind - thanks for pointing me in that direction

    The city breaks will be wonderful, I just hope I can spend as little as possible!

    Made another small payment this morning after another sale on ebay, small but still there

    I'm going to sit down tomorrow and try and see if there's any way to get reductions on utility bills etc. I'm pretty good about moving my gas and electric accounts whenever I can find a cheaper deal, but it's still worth looking into.
    Last edited by kirtsypoos; 07-08-2015 at 12:01 PM.
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 8th Aug 15, 9:01 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Paid £2.66 off my B/C today - small amounts but at least I'm seeing the total slowly go down!

    Normally I equally look forward to, and dread payday but I'm finding that today I'm on countdown because I can't wait to update my totals! Long may this thinking continue
    Last edited by kirtsypoos; 08-08-2015 at 10:46 AM.
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 8th Aug 15, 11:15 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos

    And re Very - you need to do what suits you mentally as well as financially. It isn't always the biggest/highest interest which plays on our minds!
    Originally posted by twiggy86
    Just wanted to say thanks for this bit of advice Twiggy, had a sit down and think this morning, and although I'm doing well paying bits off all debts it's still the very one which is playing on my mind so at this point I've decided any additional payments will be off that. Knowing that I've successfully paid off one debt will massively help me
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 8th Aug 15, 11:18 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Hi Kirsty

    We found a local butcher who does great deals and just order from him once every couple of weeks or a big order each month and freeze everything in portions. !
    Originally posted by HarrysMummy
    Hi HarrysMummy, I've been doing meal plans for the last 2 weeks which has helped the odd bit of extras shopping I was doing and massively adding up, but I've also sat down and done some research on a couple of local butchers so am headed there this afternoon to see what sort of deals they do! Thanks for that tip, will report later how I get on!
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 9th Aug 15, 7:11 PM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Checked my very account this morning and because of the amount of overpayments I've made I'm well on track to clear it soon so decided to make my weekend overpayments to credit cards so I've made a small overpayment of £3.90 to my BC. My plan as to which debt to make overpayments on seems to change day to day but I figure as long as I keep making overpayments it will all make a difference in the long run
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • crazy_cat_lady
    • By crazy_cat_lady 9th Aug 15, 7:26 PM
    • 3,241 Posts
    • 27,963 Thanks
    crazy_cat_lady
    Hi Kirsty
    Just stumbled across your diary - you are doing brilliantly. Those little things all add up.
    NSTAugust #13 NSD 4/15 RYSAW17 #1 £472.63 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • kirtsypoos
    • By kirtsypoos 10th Aug 15, 9:19 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Hi Kirsty
    Just stumbled across your diary - you are doing brilliantly. Those little things all add up.
    Originally posted by crazy_cat_lady

    Thanks Crazy_cat-lady all the fantastic support from the site is really helping me along.

    I'm planning on starting to count up no spend days to gee myself along - I don't tend to spend a lot during the week, just the food shop really but I'm sure I'll notice things I would have bought without realising if that makes sense. I won't be taking any money out of the house Mon-Fri so if I don't have it I can't spend it!
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
    • kirtsypoos
    • By kirtsypoos 11th Aug 15, 9:42 AM
    • 2,843 Posts
    • 12,699 Thanks
    kirtsypoos
    Another small payment for me today. Staying positive, it all counts!
    Last edited by kirtsypoos; 11-08-2015 at 9:46 AM.
    £675/3000 OH BC(77.5% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £675/31010.23 (97.82% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15626.06/14,539.71
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