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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 1,782Posts
    • 6,719Thanks
    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 41
    • Bobarella
    • By Bobarella 2nd Oct 16, 11:42 PM
    • 8,050 Posts
    • 51,542 Thanks
    Bobarella
    Sorry you are still not feeling any better.
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • kirtsypoos
    • By kirtsypoos 3rd Oct 16, 10:10 AM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    Thanks Bob

    I've bitten the bullet and come back to work, didn't really feel ready as my tummy is still not great and I get dizzy just standing up but a few texts from the boss on Friday worried me over the weekend as he was panicking about things that needed doing (they could have waited but hey ho) it's like I've never been away and I still feel rubbish

    Niece is doing beautifully though and I hope by the end of this week I'll be recovered enough to see her.
    I'm not sure if I've mentioned before but I had glandular fever when I was in my teens, not a terrible dose and it lingered in my system. I ended up being diagnosed with ME/Chronic Fatigue Syndrome and whilst I am at about 95% functionality these days (much improved as there were days when my parents had to carry me to the bathroom and help me bathe), my immune system is shocking, so even a little cold knocks me for weeks at a time - and this one has been a doozy - throat, nose, headaches and quickly moved onto my chest so it's taking me a while to tackle the stairs etc.
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • kirtsypoos
    • By kirtsypoos 4th Oct 16, 10:57 AM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    I feel marginally better today - helped massively by the fact I got a fairly decent sleep - better than I have for over a week anyway, it makes such a difference!

    Work still rubbish and boss seems to have lost the will to make decisions/manage workforce or even be here. Other management staff are taking the mick with work hours (leaving an hour early every day!) which is winding me up more than normal because it just wouldn't occur to me to take the mickey in that way and I think it's a joke that they are being allowed to get away with it. They manage a different department to me so there's no point getting my knickers in a twist but I'm easily wound up when I'm ill!
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • Kitten868
    • By Kitten868 4th Oct 16, 1:31 PM
    • 771 Posts
    • 1,369 Thanks
    Kitten868
    Hello! I have tried writing to you so many times and it doesn't work or I get called away by family or something. Poor you! I can see why you've gone to work sometimes wallowing in the pain at home makes it harder. Going to work distracts you a bit.
    So so relieved about your niece. They have to scare the daylights out of you. It's part of their charm.
    Sorry I didn't write when it was bad. Hope preparations for the newlyweds is going well x
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • kirtsypoos
    • By kirtsypoos 4th Oct 16, 1:40 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    Hi Kitten

    Hope all is progressing with the house, so excited for you

    Yeah, it's been a distraction, although not a particularly welcome one today. I'm sure the lads know when I've got a short fuse and they are doing their best to wind me up today - questioning all my decisions and arguing about why they shouldn't have to do something

    Niece seems to be doing well, thank goodness - she's very colicky/windy so my sister is trying infacol, fingers crossed that helps as she's a bit of a nightmare to settle down of an evening. I've still not seen her for over a week and it's gutting! She's changing every day and I want to be there
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • Kitten868
    • By Kitten868 4th Oct 16, 6:20 PM
    • 771 Posts
    • 1,369 Thanks
    Kitten868
    Is she formula fed or breastfed?
    No not the distraction you want but a distraction all the same. I think men are always a wind up. We just notice it more when our patience is low.
    House is dragging. Losing the plot with it. X
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
    • kirtsypoos
    • By kirtsypoos 4th Oct 16, 8:29 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    She's breastfed primarily - but using expressed milk most of the time as she doesn't latch well and because she guzzles I think she just swallows too much air.

    Oh no, is it still not picking up speed? I thought they were supposed to be quicker for you!
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • Bobarella
    • By Bobarella 4th Oct 16, 8:33 PM
    • 8,050 Posts
    • 51,542 Thanks
    Bobarella
    Glad your niece is getting better. Sorry work is a drag. So does that mean you have ME for life then?
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • kirtsypoos
    • By kirtsypoos 4th Oct 16, 10:20 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    It depends who you speak to Bob, my specialists are of the opinion that you don't recover as such, more that you go into a remission. I know there are other specialists who think differently so it really depends which doctor you get.
    I'm more of the remission opinion personally, my immune system has never been the same since and illnesses really knock me for six, a bad one can knock my ability back by 10% or more. This flu bout has left me too exhausted to do much more than go to work and then sleep on the sofa when I get home, eat dinner then go to bed. Speaking of which I've had 3 naps on the sofa and am now going to bed
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • kirtsypoos
    • By kirtsypoos 5th Oct 16, 2:32 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    So it would appear that this flu has left me with a delightful bout of viral pleurisy. Apparently this explains the pain when breathing and coughing (this morning resulted in almost passing out in the bedroom hence the docs visit) so I've had a chest X ray and a blood test (as I had a pulmonary embolism 12 years ago so always a concern when I have chest pain)

    I know, I'm jinxed when it comes to my health. I think I probably belong in a medical dictionary and I'm considering putting myself on the scrap heap
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • crazy_cat_lady
    • By crazy_cat_lady 5th Oct 16, 6:56 PM
    • 3,005 Posts
    • 20,465 Thanks
    crazy_cat_lady
    Oh, I'm sorry to read this Kirsty. Hang on in there and please look after yourself. You need to put yourself first for a bit now xxx
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • Tinkerbelle2000
    • By Tinkerbelle2000 6th Oct 16, 1:06 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    I feel for you Kirsty. I have been exactly the same this week and not posted much either.

    Hope you feel better soon hun.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • kirtsypoos
    • By kirtsypoos 6th Oct 16, 4:49 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    Thanks both. Feeling a bit brighter today as called NHS direct last night because breathing got much worse. Lovely nurse explained that rather than not being able to breathe, I was stopping myself breathing deeply enough because it's painful to do so. Cue talking me through breathing techniques, which along with inhaler (stolen from my lovely mother ) has helped hugely. Still feeling very sorry for myself and every breath, cough, sneeze or even slight movement is agony but at least I can stop convincing myself I'm dying.

    Am soldiering on at work, although not coping very well with stairs. Manage to hide myself away in upstairs office so only have to tackle stairs once, however have had tender clarification meeting today with a client....up 3 flights of stairs suffice to say I needed a glass of water, a sit down and numerous inhaler puffs before starting. At least it's over with now though, I was stressing I wouldn't be well enough and my boss tends to get distracted by things rather than answering the actual questions so I often have to take over to get back on track. Was with boss and another colleague today and they both went completely off tangent so a very good thing that I didn't miss it

    Boss told me earlier that as long as I got through tender interview I could stay at home tomorrow and work from there. Changed his mind 10 mins later but it was a nice thought while it lasted
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • Tinkerbelle2000
    • By Tinkerbelle2000 6th Oct 16, 6:18 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    How gutting is that to be told you can work from home, just to have it snatched from you minutes later grrr. I've had a good day at work today and not much time to feel sorry for myself as I've been that busy. I've got an inhaler too and it works for a while. Hope you feel better soon hun. It seems to be taking some shifting. Have you tried steaming with V1cks or O1bas O1l in it? Doc recommended this and it seems to work. Don't put too much in though, my eyes were streaming lol.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • Bobarella
    • By Bobarella 6th Oct 16, 10:01 PM
    • 8,050 Posts
    • 51,542 Thanks
    Bobarella
    Oh dear Kirsty. Sorry to hear you are still feeling bad. Really hope you get some rest this weekend.
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Oct 16, 2:15 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Hi Kirsty. Just checking in to see how you are and to let you know two little knitted hats will be winging their way over to you this week. You will have to let me know how the size is as my mum is ready and waiting to make more lol. I've got to go and pick them up from her tomorrow night so will hopefully post on Wednesday. One for each baby.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • kirtsypoos
    • By kirtsypoos 10th Oct 16, 2:31 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    I'm feeling much better, still struggling with breathing if I do too much but definitely improved. A good job really as I'm off to the big smoke with work for a few days tomorrow - an exhibition at the excel which I'm really not looking forward to. I'm completely at home in a tender meeting situation and talking about the company itself but I'm not a natural saleswoman so I struggle to generate leads. It's not really part of my job but I organise the events and somehow get dragged into doing them!

    Thank you so much Tink I (and the moms and babies) are very grateful, such a lovely thing to do for us I hope you are feeling better now too, such horrible viruses doing the rounds!
    Little niece has been back in hospital as she isn't gaining weight and has been diagnosed with severe reflux. I got a call from my sister yesterday morning and she was in such a state that I jumped in the car and got to hers in a less than recommended time I just couldn't bear the panic in her voice and her partner was at work and not contactable. Little one was being violently sick after every feed and she was panicked. Ended up back at hospital again and has now been allowed home with gaviscon to try, which has made a difference today thankfully

    I got into a bit of an argument / debate with someone on here who was giving very poor advice about asbestos and what to do if it's in your home. Things like that really wind me up - a lot of the asbestos industry is admittedly over-egged. There are certain materials which will just not release fibres, but equally there are some which are very dangerous - people who don't know about the extensive asbestos products within properties and advise people that it's no problem to just get rid of yourself drives me mad I can't even entertain talking to such idiots but I hate that they feel the need to 'advise' other people and potentially affect the health of a stranger on a forum
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Oct 16, 3:00 PM
    • 491 Posts
    • 1,539 Thanks
    Tinkerbelle2000
    Glad to hear you're feeling better, and the little one is sorted. If I remember, my friends baby had reflux and it's not nice is it. Mum is made up to be knitting for someone and I might even get my needles out lol. You will have to give us their up to date weights next time they get weighed. and I can send little bits over so they aren't too big/small.

    Grr re the argument about asbestos. In my first house there was a garage made out of it and this is at a time before there was so much health and safety about it. We just knocked it down and took it to the tip. This was many years ago!! I know now that you can't just take it to the tip and you have to have specialists to remove it. Think the person obviously doesn't know anyone who had died from asbestosis. I have and it was the most awful time, family friend who had worked for the council years ago without the big health and safety laws. He did manage to sue the council though and got quite a lot of money.

    Ok, that's my rant over about it too lol.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • kirtsypoos
    • By kirtsypoos 10th Oct 16, 3:23 PM
    • 1,782 Posts
    • 6,719 Thanks
    kirtsypoos
    It was horredous yesterday, being sick everytime she fed to the point where it was coming out of her nose and affecting her breathing, poor mite. She's still almost at her birthweight because of all her issues (only gained 2 ozs) still in tiny baby clothes and so tiny. I absolutely love her to bits, had a good few hours of cuddles yesterday and I'd have held her all night if she hadn't had to go to hospital (and if my sis would have let me!)

    I get told off for getting on my high horse about it but having been in the industry for 10 years I've heard a lot of horror stories and seen a lot of upsetting pictures etc during training sessions. It's such a horrible disease, sorry that you had to watch someone go through it Tink xx
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £530/1000 Tesco (47% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7555/31010.23 (75.63% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14962.15/£10000
    • Kitten868
    • By Kitten868 11th Oct 16, 8:30 AM
    • 771 Posts
    • 1,369 Thanks
    Kitten868
    Poor little lady and your poor sister. I've never heard of it being so bad with breast milk. Do you think she might be allergic to something your sister eats? Does your sister eat dairy? What does her health visitor say to try?
    You'll do great at excel. You know your area and you will get the interest of anyone genuinely suited to the field.
    I hope you are going to recover from pleuracy without any rest or sleep.
    Look after yourself kirsty x
    Loan 1 £7700/£8000
    Loan 2 £5700/£5800
    Total £13400/£13800
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