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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,942Posts
    • 13,081Thanks
    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 1
    • twiggy86
    • By twiggy86 24th Jul 15, 12:37 PM
    • 1,241 Posts
    • 6,232 Thanks
    twiggy86
    • #2
    • 24th Jul 15, 12:37 PM
    • #2
    • 24th Jul 15, 12:37 PM
    Just wanted to say good luck!

    Also, completely different circumstances but my friend was told a few years ago that she doesn't ovulate. She was recently incredibly ill and after much persuasion to do a test it turns out she's pregnant and suffering extreme morning sickness, despite her being convinced it couldn't possibly be that! So you never know, doctors don't always get it right!
    LBM 16.10.14 - TOTAL - £9,863.64 - now £1,344.82
    LBM2 10.10.16 - TOTAL - £5,224.87- now £4,890.88
    £1,000 EF #31 - £438.40/£1,000
    Pay off by xmas 2015 £6,329.96/£5,000
    Pay off by xmas 2016 £613.14/£1,957.96
    Mortgage overpayments 2015 - £500, 2016 - £1,000
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 4:23 PM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    • #3
    • 24th Jul 15, 4:23 PM
    • #3
    • 24th Jul 15, 4:23 PM
    Thanks Twiggy86, I'm concentrating on success stories at the moment to help me cope, but I'm hoping my debt free goal will help too!
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • Bobarella
    • By Bobarella 24th Jul 15, 8:21 PM
    • 10,467 Posts
    • 69,397 Thanks
    Bobarella
    • #4
    • 24th Jul 15, 8:21 PM
    • #4
    • 24th Jul 15, 8:21 PM
    Good luck Kirsty. It must have been quite a shock finding out about your fertility issues. But I have met so many women who were told it would never happen for and they mostly have 2 kids a piece. As Twiggy says it can happen when you least expect it. But in the meantime getting shot of the debt can't hurt either.
    Good luck with everything.
    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 27th Jul 15, 2:25 PM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    • #5
    • 27th Jul 15, 2:25 PM
    • #5
    • 27th Jul 15, 2:25 PM
    Thanks Bobarella!

    Well, my SO moved in with me over the weekend. Hopefully the reduced bills will allow me to pay off my debt a bit sooner.
    I've made £30.30 selling a few bits and pieces on ebay which I'll be using to pay off the very account (it's the one that plays on my mind the most, which might seem silly but I'd rather get it paid before it's out of interest free and then focus on the MBNA card)
    I'm at a bit of a loss with how else to earn money (I work long hours, and my SO was in a furnished apartment so we don't have any furniture to sell)

    Thanks for reading again
    Last edited by kirtsypoos; 06-08-2015 at 7:04 PM.
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • twiggy86
    • By twiggy86 27th Jul 15, 2:47 PM
    • 1,241 Posts
    • 6,232 Thanks
    twiggy86
    • #6
    • 27th Jul 15, 2:47 PM
    • #6
    • 27th Jul 15, 2:47 PM
    I don't have the capacity to earn extra money, however you'd be surprised what you can do when you set your mind to it! And the little bits really do add up - I transferred 67p to my CC the other day after claiming it from TopCashBack! You also really need to pay attention to where your money goes - I was a fan of diet coke and normally bought a bottle every day/every other day - £1.25 here, £1.25 there - which seems nothing really! That's about £10 a week! So that habit stopped and I may treat myself to 8 cans of own brand for £1.50!

    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!
    LBM 16.10.14 - TOTAL - £9,863.64 - now £1,344.82
    LBM2 10.10.16 - TOTAL - £5,224.87- now £4,890.88
    £1,000 EF #31 - £438.40/£1,000
    Pay off by xmas 2015 £6,329.96/£5,000
    Pay off by xmas 2016 £613.14/£1,957.96
    Mortgage overpayments 2015 - £500, 2016 - £1,000
    • kirtsypoos
    • By kirtsypoos 27th Jul 15, 3:20 PM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    • #7
    • 27th Jul 15, 3:20 PM
    • #7
    • 27th Jul 15, 3:20 PM
    Thanks Twiggy, I'm really trying to look at what I spend on 'treats', but I've quit smoking and that was my only treat really!
    I'm doing a 2 week meal plan tonight so I can try and eliminate the stopping off at the supermarket when I'm hungry and picking up bits I want rather than what I need - Any cheapish options which include meat would be appreciated (SO won't entertain the thought of a meal without meat!)
    I think once very is out of the way I will feel much more at ease with what order to pay things off - I hate the fact that there's numerous different interest free end dates to remember!
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
  • HarrysMummy
    • #8
    • 27th Jul 15, 4:53 PM
    • #8
    • 27th Jul 15, 4:53 PM
    Hi Kirsty

    I agree with paying off whatever plays on your mind the most. This will keep ypu going, along withthe future (hopefully) children.
    Meal planning has also really helped me and really cut down what I spend on food. Me and my OH (and toddler) were spending around £250 a month on food, which never got wasted I might add. But we now manage on around £130-150 a month so that was a big saving for us. 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. That way I don't over cook and then end up over eating, I also batch cook things like lasagne and chilli and freeze the extra portions for days when I can't really be bothered cooking. Hope some of that helps!
    January 2015 - LBM
    MBNA - £1697.96
    Savings - £51.37/1000
    • engineer amy
    • By engineer amy 27th Jul 15, 5:00 PM
    • 602 Posts
    • 1,105 Thanks
    engineer amy
    • #9
    • 27th Jul 15, 5:00 PM
    • #9
    • 27th Jul 15, 5:00 PM
    Any cheapish options which include meat would be appreciated (SO won't entertain the thought of a meal without meat!)
    Originally posted by kirtsypoos
    I read a post on someone elses thread about adding a few handfuls of red lentils to things like spaghetti Bolognese, chili, lasagne. You use the same amount of mince and veg, but it thickens the sauce and bulks it out a bit, giving you extra portions to freeze for another meal. Good source of protein, and apparently when combined with mince, you don't notice any difference in textures. im planning on trying it this week as I have lots of lentils in the cupboard.


    There is a board called Old Style moneysaving, there are lots of threads on there offering recipes, cheaper alternatives and lots of things you may not have thought of!
    Last edited by engineer amy; 27-07-2015 at 5:14 PM.
    Mortgage = £113,495 (May 2009) £85559.64 Oct 2016
    Halifax CC 0% = £0!!! Car Loan = £0!!!!!
    PAYDBX16 #106 = 12377/12377 (100%)
    • Bobarella
    • By Bobarella 27th Jul 15, 7:15 PM
    • 10,467 Posts
    • 69,397 Thanks
    Bobarella
    Thanks Bobarella!

    Well, my SO moved in with me over the weekend. It was something we hadn't wanted to do until we were in a position to marry/buy a house but that isn't going to be anytime soon and hopefully the reduced bills will allow me to pay off my debt a bit sooner.
    I've made £30.30 selling a few bits and pieces on ebay which I'll be using to pay off the very account (it's the one that plays on my mind the most, which might seem silly but I'd rather get it paid before it's out of interest free and then focus on the MBNA card)
    I'm at a bit of a loss with how else to earn money (I work long hours, and my SO was in a furnished apartment so we don't have any furniture to sell)

    Thanks for reading again
    Originally posted by kirtsypoos
    Im glad your SO has moved in. Hopefully you will enjoy lots of low cost evenings together now, & it doesnt mean you cant do the other things you dream of still, down track.

    Earning extra money isnt easy, but it is possible. I keep a track in my Wombling score in my sig. This year I have made over £400 so far from doing the following:
    - Picking up roadkill (money found in the street) have got lucky with a couple of £5ers, a £10er & several £1 coins, plus all the usual suspects, coppers etc.
    - Actively seeking out reciepts for supermarkets with unclaimed points on them, then taking them to be added at the customer service desk.
    - Actively seeking brand match, price promise and the like coupons which are just free money essentially. Also doing the same with any money off coupons, like £2.25 off a £15 shop.
    - The tips I have made in my job, & by working at other jobs involving tips.
    - Market research surveys that pay bigger, I joined a panel for my business energy supplier and have so far made £80 this year from doing 1 telephone interview & 1 online focus group.
    - Using Checkoutsmart & Shoptize for all purchases that are valid. Have a look at both & sign up if you havent already. For example this weekend just gone they were giving away a free pint of milk, & free bread.
    - Using cashback sites as standard. I just made £31.50 from my home insurance policy for the year, which I bought back in Jan, but its taken till now to go to payable. But its free money.

    Think those are the main ones in my wombling heading. But loads of people on here do competitions, one lady on a regular thread I am part of has won TVs and all sorts already this year, then she sells it.

    Good luck

    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 28th Jul 15, 12:42 PM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    Thank you all so much for the ideas, I'm pretty good at hunting out bargains usually (although I really have to work hard at remembering that it isn't a bargain if I wouldn't have bought it normally!) so I'm going to focus on food offers.
    Not entirely going to plan at the moment though, my washer dryer blew up 2 weeks ago and I've just been told that it will cost £150 to repair and may not last even after the repair - I'm now torn about whether to scrap it and buy a new one so I have a warranty or get it repaired and keep fingers crossed it keeps working!!
    Also going to be in need of a freezer which is just more money! It doesn't rain, it pours!
    Last edited by kirtsypoos; 06-08-2015 at 7:07 PM.
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • Bobarella
    • By Bobarella 28th Jul 15, 4:33 PM
    • 10,467 Posts
    • 69,397 Thanks
    Bobarella
    Oh Kirsty what a pain in the backside.
    I think if it were me, at the moment, I'd go for the very cheapest option. Do you have a local forum where you can look for freebies? A washer dryer is the sort of thing that people may decide to upgrade long before the usefulness of the item has run out, same with a fridge freezer.
    When I set up my business I spent about £50 on a kitchen fridge which has lasted to this day (3 years) its massive with upright whole freezer side, & large fridge side. I got that from a 2nd hand appliances place on the high street and they even delivered.
    Or even going a step further, I know it isnt value per say, but could you just use the laundarette for a time? I really believe now in making do when things go wrong.
    But I appreciate not everyone likes to like like Steptoe And Son like me, so if not I'd still look at Freecylcle/local forum for inspiration.

    All the best

    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 30th Jul 15, 10:03 AM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    Hi Bob,

    I did use the launderette but I'm finding it adds up quite quickly, and because of the hours I work there is only 1 day a week I can get there, and only time to do 1 load so the washing is mounting!

    I have put a wanted advert on the local freebie and buy/sell pages so I keep bumping those and hoping it will pay off!

    On the upside I've just checked my topcashback and have just under £35 ready to be paid out so I've requested it and will pay it off very when it arrives that has cheered me up. Every little helps and all that jazz!
    Last edited by kirtsypoos; 06-08-2015 at 7:08 PM.
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • kirtsypoos
    • By kirtsypoos 30th Jul 15, 10:11 AM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    Forgot to say I also managed an additional payment of £50 off the smaller barclaycard balance this morning, so that has come down slightly
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • Digging
    • By Digging 30th Jul 15, 4:09 PM
    • 91 Posts
    • 367 Thanks
    Digging
    You also really need to pay attention to where your money goes - I was a fan of diet coke and normally bought a bottle every day/every other day - £1.25 here, £1.25 there - which seems nothing really! That's about £10 a week! So that habit stopped and I may treat myself to 8 cans of own brand for £1.50!
    Originally posted by twiggy86

    Me too! almost a bottle a day at work! This week I've made a 55p 2litre of supermarket diet lemonade last 4 days. Big difference from the £6 a week I was spending (I only bought p3psi or c0ke when it was on offer for £1).

    Forgot to say I also managed an additional payment of £50 off the smaller barclaycard balance this morning, so that has come down slightly
    Originally posted by kirtsypoos

    LBM July '15: £34,867.89 £34,077.59 (1% paid) DFD:Feb 2020 April 2019 £2 Savers #129: £8 'Extra payment a week': £0
    Wombled: £18.22 GC £200 #185 Aug:£167.98 Sept: £63 Pay off by Xmas'15 : £4200/£790.80(5.3%) House deposit: £5000/£360 (7%) Emergency fund #125: £1000/£30
    • kirtsypoos
    • By kirtsypoos 30th Jul 15, 7:48 PM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    Got home and went through my bits and pieces and realised I could spare another £70 if I eat out of the freezer for the next 2 weeks, checked the freezer and I'm pretty sure I have enough to scrape by so I paid £77.41 off my very account!! still small steps, but seeing the round number made me feel better!
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • Bobarella
    • By Bobarella 31st Jul 15, 7:11 AM
    • 10,467 Posts
    • 69,397 Thanks
    Bobarella
    Kirsty you are doing great with all your extra payments!
    " 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 31st Jul 15, 8:42 AM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    Kirsty you are doing great with all your extra payments!
    Originally posted by 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
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
    • myteeduck
    • By myteeduck 31st Jul 15, 8:51 AM
    • 301 Posts
    • 452 Thanks
    myteeduck
    Hi

    Read through your diary - you are doing very well.

    I am the same - I have been told that I need to start a family sooner rather than later - not been given a deadline or anything but considering i'm single its a bit disheartening to know that I may loose out on children, as how do I say to a potential suitor "I need this to work, as I need to have children asap!" They will run a mile!

    I will be following your diary with interest - loving the extra payments - you will be debt-free before you know it!

    x
    Car Paid in full - 10/06/2016
    • kirtsypoos
    • By kirtsypoos 31st Jul 15, 11:30 AM
    • 2,942 Posts
    • 13,081 Thanks
    kirtsypoos
    Hi

    Read through your diary - you are doing very well.

    I am the same - I have been told that I need to start a family sooner rather than later - not been given a deadline or anything but considering i'm single its a bit disheartening to know that I may loose out on children, as how do I say to a potential suitor "I need this to work, as I need to have children asap!" They will run a mile!

    I will be following your diary with interest - loving the extra payments - you will be debt-free before you know it!

    x
    Originally posted by myteeduck
    Thanks Myteeduck,

    Sorry to hear you've had that news too - it was a horrible time for me when they first told me (I do have a partner but he was pretty set on not having kids) it was going to have to be a case of ending my relationship and potentially still not having them because of the timeline. I'm still not 100% sure we will end up having a family together but if I can get my debt right down I know it would be a load off both of our minds. Good luck with everything, and I'll keep you updated on here about my journey! x
    £475/3000 OH BC(84.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £475/31010.23 (98.46% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16161.98/14,539.71
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