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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,861Posts
    • 12,268Thanks
    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 61
    • sashybo
    • By sashybo 12th Mar 17, 9:46 AM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Hi Kirsty, hope all is well.

    I was very shocked at the car finance interest rates as well. One of our original loans from selling our flat at a loss is a Zopa loan, I think it's a great idea. With our loan any overpayments are reducing the monthly repayment rather than interest as it's all added at the beginning but any overpayment is a good thing.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • kirtsypoos
    • By kirtsypoos 13th Mar 17, 11:59 AM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    Hi all,

    Sorry have been rubbish at updating!! Abba and sashy - I really like the idea of the zopa loans - I can't wait to start OPing on that

    That's good for you at the moment with Mat leave looming sashy, if you're required payments are less hopefully you will be less stressed

    Well I had a spendy weekend and it was NOT budgeted!! We went for a meal and cinema on Saturday because I had a terrible week at work and OH wanted to cheer me up (excuses!) but we did at least use a free main course birthday voucher I got from Zizzi. Then got home to a letter saying that we put the wrong date of OHs driving license issue on the new insurance documents and so there is an additional £9 charge for the year....no problem, I can sort that, but they have added a £50 document change fee I'm fuming! how can they justify that for a £9 change I was sure I put the right details in but they are adamant I didn't so now we are at a standoff.
    I've worked out that we can get a new policy (even with cancellation charge) with better cover for less now than last week for some unknown reason, but it will only save £4 and it's a lot of hassle sending documents back out when we only just did it but it's the principle which is annoying me.

    My friend had her baby yesterday. He's beautiful! I can't wait for snuggles with him and I'm so pleased that their long awaited moment finally arrived

    Interest is due to be added to the mortgage tomorrow so I'll make an OP to round the balance down (OH still thinks I'm mad for paying pennies off such a massive amount. He will learn)

    Parents have borrowed some monies as they are struggling at the moment (My mom has been approved for medical retirement as she has a lot of health issues, but it's been going on for 8 months and she is not getting any money at all) I don't mind as I know my dad gets a lump sum pension payout next month and they will pay me back but I hate having nothing left in the savings account. Especially as there have been non essential purchases (for the niece mostly) by the parents recently which have meant they had to ask to borrow rather than use what they had... I know I can't force people to have an LBM but I really wish I could sometimes!
    £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
    • kirtsypoos
    • By kirtsypoos 15th Mar 17, 11:32 AM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    I missed updating yesterday

    I had a TCB payment arrive so paid that off MBNA, along with the normal DD so made a bit of a difference yesterday

    We are off to Chester on Friday to see one of our favourite bands and staying the night, before visiting the parents, sister and niece on the way home. Niece started crawling this morning! She's a little terror, into everything and so determined. Such a little love

    Only 9 days until we go to Bruges too. We are staying in London the night before the Eurostar as we are getting the early morning one and I've got a Prezzo buy a gift voucher that I got for half price last year - £15 for a 3 course meal and glass of wine for 2 which we will be using so should be a nice night without any actual money spent.

    We've got a really nice few weeks planned and then looking after my little pooch for a week in April - lot's going on and all nice so I'm staying as upbeat as I can. Had a bit of a wobble last night when I found out our friends date night is half an hour away tonight and I didn't want to go but OH has talked me into it and a friend is giving me a lift so I don't need to worry about getting there.

    Had to use a works van to get home last night as the original insurers cancelled with immediate effect when I'd asked them to cancel today - leaving me without insurance for 12 hours yesterday so I had no way of getting home and OH couldn't go to kung fu. Annoying!! Especially as they said it will take 28 days to refund the premium the new policy has had to go on CC until the refund comes through but will then be paid off and will still be £10 better off
    £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
    • kirtsypoos
    • By kirtsypoos 17th Mar 17, 3:02 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    I missed another day updating yesterday, I had been doing so well but work is manic!

    Off to Chester tonight and can't wait to see the band. Will be a bit of a rush though, doors open at 7, it's about a 1.5 hour drive from us and OH and I don't finish work until 5 - takes 15 minutes to get from my work to his so it could be an interesting trip! Hopefully if we are late we will just miss the support band (who we will see on Sunday anyway!)

    My grandparents have transferred some money into my bank for my birthday as I'm woefully short of a decent bra and my Nan is big on good supportive underwear so will be visiting Bravissimo tomorrow
    Don't think I can persuade OH to come to Cheshire Oaks, probably a good thing for my bank balance though

    Payday on Tuesday then off to Bruges. It's my birthday on Saturday and we come home Monday then are going out for a belated birthday meal on the Wednesday with some friends (at the local 2 for £10 pub)

    My grandparents are coming to stay with us for a few days in April just before Easter and will be staying until the Saturday after Good Friday, then will be moving on to my parents for a few days (it's also my Grandads birthday that weekend so will be nice to be able to see him for that. Already got his present from Amazon (thanks the sw*gbucks. It's so time consuming but at least it helps out with birthdays etc)

    Had a letter to say insurance refund processing and should be 5-7 working days so just waiting for that to pay down the spendy CC a bit. Still haven't updated my signature with new car related debt, I'm burying my head about it at the moment normal service will resume shortly, honest!! I'm still PADing, it's just taking a while to get my head around extra debt...
    £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
    • fendi-bag-lady
    • By fendi-bag-lady 17th Mar 17, 3:33 PM
    • 191 Posts
    • 617 Thanks
    fendi-bag-lady
    Lucky you off to Bruges! I was there in February, it really is a lovely city!
    May Challenges: make £20 a day: £183.48/£620, groceries: £23.99/£250, NSD:
    1/8

    Whit's fur ye'll no go by ye!
    • crazy_cat_lady
    • By crazy_cat_lady 18th Mar 17, 10:18 AM
    • 3,318 Posts
    • 27,402 Thanks
    crazy_cat_lady
    Hope you had a good night last night Kirsty x
    NST June#24 NSD 8/15 RYSAW17 #1 £412.74 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Bobarella
    • By Bobarella 18th Mar 17, 10:36 AM
    • 10,568 Posts
    • 69,012 Thanks
    Bobarella
    I hope your Bruge trip will be wonderful!
    " 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 18th Mar 17, 7:56 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    Lucky you off to Bruges! I was there in February, it really is a lovely city!
    Originally posted by fendi-bag-lady
    Thanks fendi_bag_lady - let me know if you recommend anywhere in particular!

    Hope you had a good night last night Kirsty x
    Originally posted by crazy_cat_lady
    It was lovely thanks CCL, I can't wait to see them again tomorrow. Got through the whole night without much anxiety too. Didn't stay for drinks afterwards because I was ready for heading back by then but at least I managed a good night

    I hope your Bruge trip will be wonderful!
    Originally posted by Bobarella
    I'm so excited about it Bob, I can't wait!

    We had a lovely night in Chester, and a wonderful day there today. My Nan gave me some birthday money to go to Bravissimo as I've been a cheapskate with underwear since my LBM and she's big on good underwear. I'm glad I went as it turns out I've been wearing bras 3 cup sizes too small I'm now the owner of 2 lovely (well fitted!) bras and matching pants. Matching underwear always makes me feel nicer

    Spent some time with the little niece who wants to be walking all the time (holding onto fingers) and is very stroppy if she's not allowed but it hurts the back as she's so tiny. She's 16lbs now, and enjoying her food. Can't believe she's 6 months old!

    Going to see the band again tomorrow and meeting some friends and my parents in the city beforehand so I'm looking forward to that too. I've got such brilliant plans for the next few weeks!
    £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
    • Moneyfordreams
    • By Moneyfordreams 19th Mar 17, 3:42 PM
    • 839 Posts
    • 4,042 Thanks
    Moneyfordreams
    I visited Chester twice this week. once with OH, then my twin was envious so we went the following day. Same city, totally different experiences.

    My experience with bravissimo put me in a couple of cup sizes bigger.... but the blinking straps fall down constantly on both designs... like a hundred or more times a day!! This weeks Debenham$ in Chester we bought high end brands at 70% off, (£7.50 each).

    Bruges sounds lovely, I hope you are feeling better
    Last edited by Moneyfordreams; 19-03-2017 at 3:45 PM.
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £160500
    h@lifax CC £4600 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • kirtsypoos
    • By kirtsypoos 20th Mar 17, 12:13 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    I love Chester MFD, my parents only live about 40 minutes from there but we rarely go. I love just having a wander around the lovely little shops - although I pointed out about 35 lovely diamond rings to OH and just got a blank look back so I don't think he enjoyed it as much as I if the time ever comes I'd like to go to a little antique jewelry shop in Chester to pick a ring

    I've felt so comfortable since I got the new underwear - their own bravissimo range didn't fit me well at all, so I've ended up with gossard but I'm just pleased that they are pretty and make me feel nice. Now I know which Gossard size will fit I can go hunting for sale ones too, bonus!

    OH has booked the wrong day for train tickets to London for the eurostar to Bruges so I've got to work out if it's worth taking an extra day off work and spend a day in London or whether it's cheaper just to re-book train tickets.... time to have a think and stalk the trainline...

    The little niece is quite poorly at the moment with a cold and is on her third day of 38 deg temp so sister is getting very worried. Will be calling her later to try and reassure her a bit.

    Payday tomorrow!! Very happy about that as it seems AGES since the last one and I want to knock a bit more off the debt
    £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
    • Bobarella
    • By Bobarella 20th Mar 17, 2:28 PM
    • 10,568 Posts
    • 69,012 Thanks
    Bobarella
    Sorry your neice is ill again. Hope she gets over the fever very soon.
    " 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 22nd Mar 17, 11:36 AM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    Thanks Bob, she's a little more with it today - finally taking some milk and water and her temp has come down a little bit.

    Moving the train tickets was going to cost £180 and an extra hotel night plus eating/tube etc was only going to be about £5 cheaper

    We have compromised by booking other tickets which were £24 and mean we don't have to have an extra night in a hotel but do still need the extra day off work. Still not the best as it's an unexpected spend but my parents came round last night and gave me birthday money which will more than cover it.

    I've taken the plunge and updated the extra money for the car that had to go onto a 0% CC (had been ignoring it but that gets me nowhere so I needed to sort it out!)

    We have booked a lovely treat for my birthday on Saturday - a champagne and Belgian chocolate breakfast at our hotel and a brewery tour (all budgeted and already paid ) plus the money that parents gave me will be going on train tickets and a horse and carriage ride expensive but it's been on my Bruges wishlist for years (it's quite a long wishlist ) and I probably won't go back for a long time so we are going to arrange that when we get there

    It was payday yesterday so have made a couple of large-ish PADs with a few more to come so at least the debt is on the right track too
    £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
    • sashybo
    • By sashybo 22nd Mar 17, 12:45 PM
    • 2,353 Posts
    • 18,177 Thanks
    sashybo
    Your Bruges trip sounds lovely, especially the treats for your birthday. Enjoy yourself.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • kirtsypoos
    • By kirtsypoos 22nd Mar 17, 1:18 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    Thanks Sashy, I will definitely try 4 more hours at work then I'm out of here until Tuesday. I cannot wait!!
    £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
    • kirtsypoos
    • By kirtsypoos 28th Mar 17, 12:49 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    Well I'm back from Bruges and I was thoroughly spoilt by the lovely OH.

    We ended up in London the day after last weeks attack and I can honestly say the capital is full of inspiring people. Police everywhere, and they were all lovely and people talking to each other on the tube. Things which weren't commonplace when I lived there! It was great to see communities come together for the Trafalgar Square vigil. Such a vile act, but fab to see that the spirit of the Country was unbroken. I have, however, had to delete some racist idiots from social media following the attack. Including the biological father/sperm donor. Horrible and disgusting views that have no place in my life.

    OH was quite poorly while we were away but he soldiered on and we walked about 18 miles in 3 days according to my fitness pal - no wonder I'm exhausted and my hip and ankle are killing me. Hotel was absolutely beautiful and the place was amazing, but SO expensive! We went to one place for lunch and quickly left when we saw it was 17,90Euro for a ham and cheese toastie

    I didn't get to do some of the things on my wishlist purely because of how expensive everything was but I still loved it and would go again, although probably not for a while.

    Before we left on thursday I was banished from the lounge and forbidden entry until we got home. OH bought me a beautiful ring for my birthday that we chose together and I thought that was my present, but I got home to a new laptop! So pleased as I'd been talking about getting one as my old one was 13 years old and kept turning itself off and then not working for a few hours but I was being stubborn and avoiding buying one.

    All in all a lovely time away and I really enjoyed the time we spent together - sat in the room playing ludo of an evening and having a coffee and a belgian chocolate

    It was strange to spend my birthday so far away and not see my family but we will be having some time with them at some point this week as it's my Dads birthday on Thursday
    £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
    • abba1772
    • By abba1772 28th Mar 17, 1:57 PM
    • 3,552 Posts
    • 9,237 Thanks
    abba1772
    Sounds like you had a wonderful birthday and I know what you mean about the laptop mines is 8 years old and it's on it's way out but I refuse to be parted from it lol xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £3076.97 / £6000
    • Jessy103
    • By Jessy103 28th Mar 17, 8:51 PM
    • 336 Posts
    • 1,352 Thanks
    Jessy103
    Happy belated birthday! Glad you had a fantastic time but sounds like you need a holiday to recover! Lol! I had a new laptop a few months ago and it took me ages to get used to using it because my other one was so old and so much had changed! X
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£2,672.76
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £275.96
    • kirtsypoos
    • By kirtsypoos 29th Mar 17, 4:41 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    It's a comfort thing I think abba, I started my DF journey on the old laptop and although I'm thrilled with the new one I feel a bit sad about letting the old one go - that sounds ridiculous doesn't it?!

    Thank you Jessy that is exactly the issue at the moment, its got a new fangled mouse that doesn't seem to have buttons and it's very annoying - I will grow to love it soon though!

    I'm out for a meal at the local 2 for £10 with some friends tonight to celebrate my birthday

    OH still quite poorly and has actually had to have today off work . He was awful during the night, kept up both awake coughing and he was shivering and sweating then heaving because he was coughing so much. Poor lamb, I did feel for him. Felt for my exhausted self too mind you

    Managed to speak to OHs dad last night over email so got a bit more out of him that we normally get on the phone. OHs mam has started to lose her hair, which is upsetting but in NZ part of her treatment is to have a wig or hat made that she gets to choose so they went into the local town to pick that out over the weekend. She chose a hat, which I think is quite fitting for her, she's ever practical and although I'm sure it's knocked her a bit, I think hair is quite far at the back of her mind.

    Friend has her scan tomorrow so I'm looking forward to seeing her scan picture
    £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
    • crazy_cat_lady
    • By crazy_cat_lady 29th Mar 17, 5:33 PM
    • 3,318 Posts
    • 27,402 Thanks
    crazy_cat_lady
    So pleased that you enjoyed your time away but at the price of a toastie!
    NST June#24 NSD 8/15 RYSAW17 #1 £412.74 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • kirtsypoos
    • By kirtsypoos 29th Mar 17, 6:04 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    I couldn't believe it CCL, I almost fell off my bar stool! I know it's an expensive place so everyone I spoke to said go down the little alleys behind the main square to eat or drink, but they seemed worse sometimes!
    £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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