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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 1,713Posts
    • 6,585Thanks
    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 42
    • kirtsypoos
    • By kirtsypoos 11th Oct 16, 10:04 AM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    They think it's partly to do with an underdeveloped stomach muscle and the fact she is a guzzler so she takes too much at a time. Health Visitor sent her to hospital last week because they were worried about her lack of weight gain but hasn't been in touch since. She's on her second day of gaviscon and all seems well, she is much less grizzly and is only throwing up small amounts so fingers crossed they are on the right track

    Hope house is going well Kitten and you are on track! x
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • Bobarella
    • By Bobarella 11th Oct 16, 10:16 PM
    • 7,966 Posts
    • 51,171 Thanks
    Bobarella
    Poor baby Kirsty, I am so sorry to read about her condition. It must feel so terrible for any mum to be trying their best to nourish their child only to see them lose every mouthful. I do hope she continues to improve.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Kitten868
    • By Kitten868 12th Oct 16, 12:36 PM
    • 766 Posts
    • 1,364 Thanks
    Kitten868
    Oh my heart goes out to her. Poor little Angel. Your sister is a star to persevere. Well done you for all your support too. And well done her for getting the help.
    House is dragging because one thing and there's nothing I can do about it. Driving me mad.
    How are you doing with your pads? X
    Loan 1 £8000/£8000
    Loan 2 £5800/£5800
    Total £13800/£13800
    • kirtsypoos
    • By kirtsypoos 12th Oct 16, 8:26 PM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    She seems to be doing really well at the moment - although a tad constipated after the gaviscon. Fingers crossed she gets used to it soon My sister is doing amazingly well, thank goodness. She's amazing even if she doesn't realise it herself at the moment.

    What'[s holding the house up Kitten? Hope it gets resolved for you ASAP! xx
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • Bobarella
    • By Bobarella 12th Oct 16, 10:29 PM
    • 7,966 Posts
    • 51,171 Thanks
    Bobarella
    I'm so glad to hear it. Keep fighting little one!
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • giblet1979
    • By giblet1979 17th Oct 16, 10:49 PM
    • 846 Posts
    • 3,396 Thanks
    giblet1979
    Hi kirtsy,
    I've been reading through your diary over the past few days and just wanted to day how brilliantly I think you're doing on your debt free journey (especially with all the ups and downs, and challenges you've faced over the past year or so). Very inspiring stuff. Subscribed and hope that you're doing well x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • kirtsypoos
    • By kirtsypoos 17th Oct 16, 11:16 PM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    Thanks giblet, how lovely that you spent time reading through my odd ramblings, I'm very grateful!

    I spent yesterday with my sister and niece - my favourite part of the weekend at the moment, hands down! She's doing so well now that she can keep food down - she's 7lb 6oz

    Had counselling with OH tonight - I got a lot off my chest and it actually went really well. We are definitely on the right track keeping everything crossed but I'm really happy and feel like we are getting somewhere.

    Debt busting is slow going at the moment and I hate it. Between my lack of sick pay and hospital parking charges killing my miscellaneous budget, there is very little allowed for PADding at the moment. Hate seeing the totals stall, but I must try and see the bigger picture....hmmmm. Easier said than done!

    I'll do a proper update at some point but wanted to check in xx
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 3:50 PM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    So I have been keeping a secret for a few weeks now. Unfortunately not an addition to the family (canine or human!) but instead....

    A NEW HOUSE!

    I know a lot of people will think I am off my rocker when we have only been here a year but there are very good reasons...we think so anyway
    • Lack of buying power when a little one makes it's appearance
    • we are really struggling with space
    • we will get a much better mortgage deal going the route we are going down

    To expand one the above

    *When I add in a dependant to the mortgage calculators with associated childcare it reduces the amount we can borrow by £48000 which has been bothering me for a while. I know it won't have that much of an impact on what we can pay because I pay more now on debt repayments than the nursery that opened last week would charge for my working hours, my parents have started a 'baby fund' for the start up costs and I am so unbelievably controlled these days when it comes to budgets and spending that I will always make it work, providing OH has a job. However the house is just not big enough to have a family in. I'm sure we could make it work, but I would much rather move while we can.

    *Between OHs model car obsession and my love for upcycling furniture we are quickly running out of space

    * We can get a 5 year fix at 2.6% using help to buy scheme. Which has it drawbacks but also has its plus points, and I think it would really benefit us. It means we get a forever home for relatively little more than we pay now.

    So we have been discussing this between ourselves for a while, and with our families and we decided to go for it.
    As of this morning we have an accepted offer on our house and are officially sold subject to contract. As always, there is a lot of nervousness over the sale and buy process but I am beyond thrilled with the house we have chosen. And it doesn't hurt that it's almost finished being built so we have been given a lot of incentives by the builder

    So there's my news. I didn't want to jinx it until we were under offer but it's been horrible not saying anything on here - I haven't mentioned it in real life apart from to family and we've stopped people coming round because of the for sale signs
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • Kitten868
    • By Kitten868 18th Oct 16, 9:17 PM
    • 766 Posts
    • 1,364 Thanks
    Kitten868
    Wowee! A new build! Check you out!
    How exciting! Are you ready for all the solicitors fees? Well done you on all your incentives. They aren't easy to get.
    Did you make much on your house with all your improvements?
    Is it closer to family? Is it in catchment for good schools?
    Exciting! X
    Loan 1 £8000/£8000
    Loan 2 £5800/£5800
    Total £13800/£13800
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 9:35 PM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    Hi Kitten, I am so excited!!
    We are all set for solicitors fees, hate paying it all out again but I'll be thrilled to get into this house! We made a couple of thousand on the house, so not massive but a big help all the same. It's no closer to family but there are 3 schools it is in catchment for - 1 outstanding and 2 good for ofsted so I'm really pleased The bedrooms are a good size - even the small room is big enough to fit in a double bed!
    Are you getting any closer to exchange yet? xx
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • Bobarella
    • By Bobarella 18th Oct 16, 9:53 PM
    • 7,966 Posts
    • 51,171 Thanks
    Bobarella
    How exciting Kirsty!!! And I am so pleased to hear your niece is better.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 10:14 PM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    Thanks Bob the thought of moving to fit a family in got very real when we started measuring bedrooms to check whether nursery furniture would fit

    She's amazing. It's my sisters birthday today and it was little ones hospital appt. The docs are pleased with her weight gain and feeding and have discharged her, so I'm sure that's the best present she could have had
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 10:21 PM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    OMG I've been awol for a couple of days and look what happens!! Congratulations hun, I am so made up for you.

    I am on my day off tomorrow, we are having new electric cables fitted, so I will be popping to town and there will be four little knitted hats appearing in your letter box soon. Mum has done different sizes for the little girl so you will have to let me know which fits her best and there is only one for the little boy at the moment so you can size it for us. More to follow.

    I have big news too but I will save that for my diary lol.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 10:55 PM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    Thank you Tink, I'm so thrilled and grateful that you and your mum are taking your time out for us

    Excited to hear your news Tink, I'm off to stalk your diary!! xx
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 11:05 PM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    You are very welcome. It's all there in black and white now lol.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
    • AspiringButAnxious
    • By AspiringButAnxious 19th Oct 16, 12:29 PM
    • 609 Posts
    • 2,285 Thanks
    AspiringButAnxious
    Congratulations on the new house!
    Rainy day fund — 3.16/500 Emergency fund target — 500/1000 Nest egg — circa £40
    Loan — 3081/15,487 = 19.8% Fun fund: £0.05 Credit card balance — £900
    • crazy_cat_lady
    • By crazy_cat_lady 19th Oct 16, 6:17 PM
    • 2,993 Posts
    • 20,385 Thanks
    crazy_cat_lady
    Wow Kirsty - so pleased for you. Things are going brilliantly at the moment. A new house - for what it's worth I think it's a really wise decision and well thought out - although I don't envy your stress levels. We are only remortgaging at the moment and I'm finding it almost unbearable.
    And brilliant that things are going well with OH and the counselling, and that your sister has the best ever birthday present.
    Massive congratulations.
    NST Nov #2 NSD 16/14 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • kirtsypoos
    • By kirtsypoos 20th Oct 16, 9:27 AM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    Thanks CCL. I think it's the right move in the long run, will just make for an interesting few weeks until we get mortgage offer and exchange.

    I'm already having mass panic about the mortgage process, even though my debt is significantly less than it was 12 months ago, we are going for a significantly higher mortgage and I can feel the stress headache biting at my heels!

    Hope the remortgaging process goes well
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • kirtsypoos
    • By kirtsypoos 20th Oct 16, 10:40 AM
    • 1,713 Posts
    • 6,585 Thanks
    kirtsypoos
    August 2014 - £29400.23
    July 2015 - £25131.49
    October 2015 - £20253.14
    December 2015 - £18600.00
    Start of January 2016 - £17830.00
    End of January 2016 - £16900.00
    End of Feb 2016 - £15970.00
    Mid June 2016 - £12320.00
    End July 2016 - £10730.00
    October 2016 - £8600.00 (plus paid off old overdraft I hadn't accounted for - £1600.00)

    Paid off £22400.23 total since August 2014 (inc overdraft)!
    £18131.49 of that has been since July 2015 (inc overdraft)!

    Figured it was about time to do an update of figures....although I may edit this tomorrow as tomorrow is payday so I'll update figures by a chunk then!
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • Kitten868
    • By Kitten868 20th Oct 16, 11:47 AM
    • 766 Posts
    • 1,364 Thanks
    Kitten868
    I totally love your updates. £22k paid off! That's mad! Just think if you stick to the mse life you can be mortgage free in 15 years or something! That's amazing.
    Still waiting on our purchase. I will have been at my mum's 4 weeks tomorrow and I'm going insane. The thing we are waiting on is being difficult for no reason and the seller is trying to refuse to sell to us so that is all fun and games.
    Will you be happy with a shiny new house? I thought you liked fixer uppers. Or is that just the furniture?
    I can't believe how quickly it's turned round and going well again so happy for you and your family kirsty. What's your end of year target then? £7600? Keep it up you superstsr xxx
    Loan 1 £8000/£8000
    Loan 2 £5800/£5800
    Total £13800/£13800
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