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    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,767Posts
    • 12,312Thanks
    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 64
    • kirtsypoos
    • By kirtsypoos 20th Apr 17, 10:19 PM
    • 2,767 Posts
    • 12,312 Thanks
    kirtsypoos
    I've finally heard that wages will be paid tomorrow, just not first thing. I'm very relieved!! I barely slept last night worrying about it - my lads would NOT be best impressed and they are quite hot headed. Normally I give as good as I get with them but the thought of 25 of them going off at me at the same time, especially the way I feel at the moment was not a nice thought!

    I think I forgot that sometimes it is ok just to not feel 100% - I think at the moment it's more that I feel guilty that I've had this amazing gift and I feel like I should be happier. Could woulda shoulda. It's just a fall before the next rise. Like you say CCL, you can't appreciate the highs if you never have lows

    You'll have to let me know how the 5:2 book goes

    My little pooch shaped shadow has arrived and is currently trying to sit on the laptop in order to get closer for a cuddle. She will cheer me up no end. I love having a dog in the house
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • kirtsypoos
    • By kirtsypoos 21st Apr 17, 10:11 AM
    • 2,767 Posts
    • 12,312 Thanks
    kirtsypoos
    Payday today and all monies were paid in first thing this morning so everyone is happy, especially me!

    I have made a mortgage OP of £100 as I won't need to make the same sort of CC OPs as I had been doing.

    My parents are trying to convince me to have a 'blow it' month with what I would normally spend on debt repayments but it goes against everything I have worked towards for the past 3 years and I can't do it.
    We are going to the safari park next Sunday (with a 2 for 1 voucher ) and then for a pub meal and that will be the extent of 'blowing it' that I am comfortable with.
    It's more important to me to be able to save for NZ than blow money I need on things I don't.

    Feel quite positive this morning. I don't have an acupuncture session tomorrow, so am going to a friends grand daughters 1st birthday party for an hour or two but other than that the weekend will be all about OH, me and Millie (the dog) which I am more than happy with

    Batch cooking planned for Sunday morning and maybe some baking if I'm in the right mood, as OH is running out of lunch meals and I've been a bit lax in that regard. He has a yorkie a day which he is very reluctant to give up but I'm hoping if I bake some treats instead he can take those, will be a little saving if I can persuade him!

    I'm doing quite well on prolific academic too - am up to £7 on there which I can cash out whenever I choose but I'm going to leave it for a while and see what I can get it up to. It gives me something to do whilst OH is at kung fu so makes sense to carry on with all my nice extra earning streams.
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • Bobarella
    • By Bobarella 21st Apr 17, 10:56 AM
    • 10,444 Posts
    • 69,016 Thanks
    Bobarella
    I am so glad the wages thing is sorted Kirsty.

    I was thinking about what Cat said too and agree that the pressure to feel you must be cheerful every day is quite overwhelming.
    " 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
    • abba1772
    • By abba1772 21st Apr 17, 2:19 PM
    • 3,555 Posts
    • 9,300 Thanks
    abba1772
    Phew to the wages going in on time xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3471.68
    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 £3161.46 / £6000
    • Jessy103
    • By Jessy103 21st Apr 17, 6:17 PM
    • 345 Posts
    • 1,398 Thanks
    Jessy103
    Glad the wages are all sorted Kirsty and I'm pleased you're feeling a bit better today! I agree with you on not having a blow out, you don't want to end up regretting it! Saving up for NZ and having some great experiences while you're out there sounds a much better idea. Take care and have a lovely weekend! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount April 2017 - £64,990.00
    Overpayment Target for 2017 - £5,000 /£3,246.76
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96
    • crazy_cat_lady
    • By crazy_cat_lady 21st Apr 17, 9:15 PM
    • 3,171 Posts
    • 27,479 Thanks
    crazy_cat_lady
    See, it all worked out in the end and everyone got paid on time as usual. Happy days
    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
    • abba1772
    • By abba1772 22nd Apr 17, 3:32 PM
    • 3,555 Posts
    • 9,300 Thanks
    abba1772
    Just saw your signature on the pay off as much as you can thread .........nearly debt free xxx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3471.68
    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 £3161.46 / £6000
    • Moneyfordreams
    • By Moneyfordreams 22nd Apr 17, 3:39 PM
    • 837 Posts
    • 4,048 Thanks
    Moneyfordreams
    Just catching up. Hope you're having a lovely weekend
    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 23rd Apr 17, 4:58 PM
    • 2,767 Posts
    • 12,312 Thanks
    kirtsypoos
    Thanks all

    Cheque cleared yesterday morning! I feel massively in shock now that it's a reality. Sat and made all the payments yesterday AM and then went to a friends Granddaughters 1st birthday party, which was lovely but a couple of glasses of prosecco went to my head and made me feel very rough this morning so that was nice

    Had to spend some time at work yesterday morning and again this morning as there have been a few problems which is always fun!
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • kindofagilr
    • By kindofagilr 25th Apr 17, 12:54 PM
    • 6,021 Posts
    • 20,208 Thanks
    kindofagilr
    Thank you CCL, hope you had a wonderful time away I'll pop over to your diary once I've updated

    Well I have some pretty major news. I don't want to count my chickens before they hatch but I'll be banking a cheque tomorrow which will go a long way to making me DF....it's quite a long story but involves my amazing parents and a payout they have had - they have paid me the money they owed me and more besides.

    They are also paying for my fertility acupuncture. Completely unexpected and was the cause of many happy tears yesterday, but I also feel a bit like I'm cheating to get to the end result.

    I've decided that I will be splitting what I would normally paying between the remaining credit card, mortgage OP, savings for our NZ trip and savings for when/if we hopefully have a reduced income. I didn't think I would ever be wishing for a drop in income but this one will be because of maternity leave if we can make it happen. Fingers crossed!!

    I'm still in shock to be honest. Trying to make plans for when I'm debt free is something I had planned for a while away!
    Originally posted by kirtsypoos
    Amazing news xxx
    At LBM DFD was Dec 2024
    £47,166.44
    /£43,542.59 ~ 29/06/2017
    ~7.68% Paid

    POAMAYC 2017 #87 PD £5739.91/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£86,824 (as of 31/05/17) ~ 16.84% Paid

    Holiday 2018 Fund = £17.18 ~ 02/07/17
    Lost Weight 3/48 Lbs ~ 29/06/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 25th Apr 17, 2:10 PM
    • 2,767 Posts
    • 12,312 Thanks
    kirtsypoos
    Thanks kindofagilr

    I'm still not used to seeing my signature reduced down so much!!

    I started beating myself up a bit yesterday, thinking that maybe I should have kept the money in a savings account ready to pay the CCs when the 0% period ended but it is much better for my peace of mind to have them gone. As much as interest would have been nice to have been paid the other way for once, mentally I am in a much more healthy place, especially regarding our future
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • Bobarella
    • By Bobarella 25th Apr 17, 3:27 PM
    • 10,444 Posts
    • 69,016 Thanks
    Bobarella
    Its done, and now you can focus on other things. Glad you are feeling chipper!
    " 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
    • crazy_cat_lady
    • By crazy_cat_lady 25th Apr 17, 8:12 PM
    • 3,171 Posts
    • 27,479 Thanks
    crazy_cat_lady
    It will start feeling better once you get used to it. Congratulations
    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
    • kindofagilr
    • By kindofagilr 26th Apr 17, 12:54 PM
    • 6,021 Posts
    • 20,208 Thanks
    kindofagilr
    Thanks kindofagilr

    I'm still not used to seeing my signature reduced down so much!!

    I started beating myself up a bit yesterday, thinking that maybe I should have kept the money in a savings account ready to pay the CCs when the 0% period ended but it is much better for my peace of mind to have them gone. As much as interest would have been nice to have been paid the other way for once, mentally I am in a much more healthy place, especially regarding our future
    Originally posted by kirtsypoos
    I def think you have done the right thing!!! Can't wait for you to be debt free xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£43,542.59 ~ 29/06/2017
    ~7.68% Paid

    POAMAYC 2017 #87 PD £5739.91/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£86,824 (as of 31/05/17) ~ 16.84% Paid

    Holiday 2018 Fund = £17.18 ~ 02/07/17
    Lost Weight 3/48 Lbs ~ 29/06/17

    My Debt Free Diary (Link)
    • sashybo
    • By sashybo 27th Apr 17, 12:27 PM
    • 2,354 Posts
    • 18,179 Thanks
    sashybo
    Enjoy looking at your new signature.

    Hope you had a nice time with the dog, they are lovely to have around I agree. We only have cats and we do love their funny little characters & would like a dog but it wouldn't be fair to have one with the shifts we work. I like to play with other people's dogs though.
    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
    • PositiveBalance
    • By PositiveBalance 2nd May 17, 9:34 PM
    • 563 Posts
    • 2,547 Thanks
    PositiveBalance
    Hey Kirsty,

    I'm very impressed - you have done really well in such a relatively short period of time. Congratulations!

    You're good at this. Fancy coming over to sort me out when you've finished with yourself - I need a kick up the bum!
    Original debt to source: £11,639.02; debt repaid: £5072.02 (43.6%); remaining debt: £6567.00.
    0% CC balance: £4999.50.

    Stoozed: um, I negative stoozed...
    Terrimundi: £146.05 before opening. I'm saving again.


    • monz
    • By monz 4th May 17, 10:23 AM
    • 2,578 Posts
    • 6,788 Thanks
    monz
    Aw Kirsty just read and amazing news for you!!! All your hard work paying off and you deserve all this <3 xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • kirtsypoos
    • By kirtsypoos 4th May 17, 11:26 AM
    • 2,767 Posts
    • 12,312 Thanks
    kirtsypoos
    Thank you all!

    PB I'm not very good at bum kicking but you already have the motivation - small(ish) setbacks are normal, you'll be back to MFW soon enough

    I have been my usual terrible self at updating

    I haven't fallen off the wagon as have still been making OPs to mortgage and OHs CC but I really need to start updating properly! This is the final push really but the idea was 'spare' money which was used for debt repayments would now go to NZ savings and that hasn't happened I need to stop making OPs but it's so addictive! No point if we then have to put more on a CC to cover the trip, I'll be back to square one!

    My acupuncture seems to be bruising me less now and I have noticed a difference in certain things which make me feel that it is doing something. My pain is much reduced, I wish I'd done acupuncture years ago if I'm honest!

    Hope everyone is well! I'm doing a lot of reading and running at the moment - we have set the wii up and I'm determined to lose weight so am doing that of an evening, plus I've started a new medication which is having some unpleasant side effects and I'm sleeping a lot.
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • GeorgianaCavendish
    • By GeorgianaCavendish 4th May 17, 12:03 PM
    • 470 Posts
    • 2,008 Thanks
    GeorgianaCavendish
    I have the same problem with overpayments ... they are really addictive! I've had to be strict with myself and not make OPs as soon as I receive "extra" money but wait until I find out the sofa (if its possible to repair, or if we have to buy a new one :eek )
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £8610.53 / Barclaycard £4,458.69 / Tesco £997.50 / Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • kirtsypoos
    • By kirtsypoos 4th May 17, 12:10 PM
    • 2,767 Posts
    • 12,312 Thanks
    kirtsypoos
    I never would have thought that overpaying CCs would become a habit that I didn't want to break - this time 4 years ago I was more focused on increasing the amount on the CCs
    How times change

    Hope the sofa can be fixed GC - G plan are such a reliable brand that I'm sure they will have a spare part for you somewhere
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
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