Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,666Posts
    • 11,176Thanks
    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 67
    • kirtsypoos
    • By kirtsypoos 23rd May 17, 1:31 PM
    • 2,666 Posts
    • 11,176 Thanks
    kirtsypoos
    Tink I'm so pleased to hear from you - I hope you are in a good place now, even with the not so good stuff going on.

    They are amazing. The niece is still a little dot - she's 8 months and 1 week and weighs about 15.5lbs. She's back in the Doctors this week as they are concerned by how small she is *lots of eyerolling going on here* she is as bright as a button and every baby is different - I don't see why they insist on stressing parents out by saying they are too big or too small.
    Little man is a bruisers! Total other end of the percentiles, he's lovely and very smiley. He came for a sleepover (with his mom and dad) last week and it was lovely to have a happy gurgly baby in the house

    There's a new little one too, he's 8 weeks old and beautiful and 2 more due in October - it's a baby boom around these parts

    Really hope you're ok Tink xx
    1200/3000 OH BC(60% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: 1200/31010.23 (96.13% paid)
    Mortgage - 164,000.00 (O/P 718.83 so far) PAYDBX 17 #006 - 13743.08/10000 Make 10 Apr 194.58 Make 10 May 159.75
    • Tinkerbelle2000
    • By Tinkerbelle2000 23rd May 17, 4:01 PM
    • 530 Posts
    • 1,855 Thanks
    Tinkerbelle2000
    I'm really good now thanks, apart from what's happened (I'll explain in my diary tonight), I actually feel like I've found my new me. Hmmm should I start a new thread with a better title??

    The babies sound adorable and I can't believe how quick that 8 months has gone. I bet those bonnets look tiny now, and how lovely that they came to stay.

    DD is in exam mode for the next few weeks so its all revision in our house at the moment and I think she is doing well but she doesn't want to say in case she jinxes it. I'm so glad we moved before these exams as she keeps mentioning how quiet it is now we've moved.

    When is the trip to NZ? Is that the first holiday?

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- 10338.89 01/11/16 - 13996.57 01/12/16 - 13062.92
    DEBT 1 = 104.63 DEBT 2 = 853.00 DEBT 3 = 297.41
    DEBT 4 = 725.02 DEBT 5 = 166.10 DEBT 6 700.00
    DEBT 7 = 1324.59 DEBT 8 = 3150.00 DEBT 9 22419.88
    • kirtsypoos
    • By kirtsypoos 23rd May 17, 4:41 PM
    • 2,666 Posts
    • 11,176 Thanks
    kirtsypoos
    That's great news Definitely start a new diary with a new title if you feel like it will help, especially if you are in a good place now.

    Hope DDs exams go well - I bet she'll be relieved when they are over! Fab that she's noticing the difference now you have moved too

    NZ is October - it is the first trip booked although it's OHs 30th in July so I've been squirreling little bits of money away and hope we can get a nice last minute city break lots of memories to make before we have a little one!

    The bonnets look tiny but I have retrieved them and will be saving them for the next little one whoever it may be - they are so lovely!

    K x
    1200/3000 OH BC(60% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: 1200/31010.23 (96.13% paid)
    Mortgage - 164,000.00 (O/P 718.83 so far) PAYDBX 17 #006 - 13743.08/10000 Make 10 Apr 194.58 Make 10 May 159.75
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,275Posts Today

7,117Users online

Martin's Twitter
  • The strange thing with a 4yr old is having to play & smile while inside feeling sick for those in trauma in my birth town #Manchester

  • Just a quick ta-ta for now. I'm taking the week off for family time with mini and Mrs MSE. So I won't be here much. Back after the bank hol

  • Ugh another one trying it! Beware https://t.co/Ab9fCRA76F

  • Follow Martin