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    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,854Posts
    • 12,230Thanks
    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 72
    • kirtsypoos
    • By kirtsypoos 18th Jul 17, 11:37 AM
    • 2,854 Posts
    • 12,230 Thanks
    kirtsypoos
    I know, I couldn't believe it! I don't know how people can put that much away....although I did have a fair few glasses of prosecco so not really one to talk

    Joint account still looking healthy - in fact we filled the car yesterday (2 days later than planned on budgeting spreadsheet, win! and £10 less to fill than budgeted, double win!) However OH hasn't been going to Kung Fu which is what kills our fuel and he is starting back tonight so this will be the end of the under budget petrol spends I would like to get to the point where we could transfer this under budget spend straight off the mortgage or CC but at the moment because of OHs 4 weekly pay there are times over the next few months that we are skin of the teeth close to overdraft territory (which we don't even have as I refuse after the mess the last one caused!)

    As of January our account predictions look much healthier as we will have got 'ahead' of OHs strange pay dates and the buffer in the account will start to build (along with £300 a month into savings, very pleased by this!)

    Just NZ trip in the meantime to contend with. Savings account for this is looking very healthy and we haven't dipped into it at all - not that we should be, but the old me would have treated someone with the plan to put it back and then not been able to in time. This is very good progress

    Spendy CC has a little more on than I would like after the Bulgaria trip and the party but I have the money in savings...I'm just being a pain because I like seeing the savings high and the CC is 0% so makes sense to just pay it off monthly. Problem is I am petrified that I will spiral. I went over the party budget when I had a last minute panic that we didn't have enough food, and I did the old me trick of thinking I'll just use the CC and pay it off next month. Dangerous territory!!
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
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