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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,039Posts
    • 13,559Thanks
    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 70
    • Bobarella
    • By Bobarella 3rd Jul 17, 8:55 AM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    Glad the christening went well.
    " 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 3rd Jul 17, 12:40 PM
    • 3,039 Posts
    • 13,559 Thanks
    kirtsypoos
    Right, proper update!

    Meeting with the PITA member of staff went ok. Need to monitor the situation going forward but feel ok about it for now.

    Had my Doctors appointment on Friday and she referred me straight to the infertility clinic, she actually said she was disgusted that the locum Doctor refused to refer me earlier this year. Appointment made, I managed to nab a cancellation appointment for mid August so at least I feel like we are getting somewhere now.

    Very pleased with PA so far today - £26 pending and £78 ready for cash out. I'm being so stingy with survey money at the moment though, I just want to let it build up so I can see how much I've made that I wouldn't normally

    I'm still trying desperately not to let OH know about the trip but he is not making it easy - I really need him to go to kung fu tomorrow so I can pack for him but I don't want to let him know how much I need him to go as he will get suspicious

    Mortgage payment went out yesterday and with the OPs I made last month, we should be into the £162s even after the interest is added on in the middle of the month if my spreadsheet is correct (I know it is, in fact I overestimate the interest just to make myself feel better when the total is less than I expect )

    DD for OHs CC comes out in a few days so will be nice to see that under £900. Slowly but surely! Still 0% so still going on with the paying off at £75 per month
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,409.18/14,539.71
    • Hiddenidenity
    • By Hiddenidenity 3rd Jul 17, 12:49 PM
    • 4,230 Posts
    • 26,377 Thanks
    Hiddenidenity
    So glad you got the referral! A huge step in the right direction. Everything crossed (not legs ) it goes well.

    Soon be weekend in the sun
    • kirtsypoos
    • By kirtsypoos 3rd Jul 17, 1:05 PM
    • 3,039 Posts
    • 13,559 Thanks
    kirtsypoos
    Definitely not the legs

    I can't wait! Although just had a massive panic that I hadn't ordered out currency. I've got a halifax clarity card so will just use that instead. It's 24 hour all inclusive so we only really need a little bit of just in case money, I have no plans to spend really apart from a tip or 2!
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,409.18/14,539.71
    • monz
    • By monz 3rd Jul 17, 2:55 PM
    • 2,838 Posts
    • 8,405 Thanks
    monz
    you are doing amazing and well done on getting the appointment! Will be keeping everything crossed for you <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • sashybo
    • By sashybo 3rd Jul 17, 9:21 PM
    • 2,440 Posts
    • 18,627 Thanks
    sashybo
    Good news about the referral.

    Enjoy your trip with OH. Hope you get his packing done.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8850 extra paid off debt. Total Debt paid off £46,208.98
    Loan £3754.39, CC 0% BT £967, Car loans £24,151.20
    • Jessy103
    • By Jessy103 4th Jul 17, 9:59 AM
    • 467 Posts
    • 1,973 Thanks
    Jessy103
    I'm glad to hear things are finally moving forward for you!! Have a lovely trip!
    Looking forward to seeing you on the Mortgage Free Wannabe forum soon!! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£4,060.70
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22 October - £381.61
    • kirtsypoos
    • By kirtsypoos 4th Jul 17, 4:27 PM
    • 3,039 Posts
    • 13,559 Thanks
    kirtsypoos
    Thanks all, I'm getting really excited now, only a few more days of secret keeping he caught me out washing his shorts yesterday and kept asking why I'd washed them when he hadn't worn them, I had to tell him I'd picked them up by accident (he must have been distracted or he'd have realised that meant they were picked up by accident out of his drawer )
    I've ordered him a book by his favourite author to read by the pool and I just can't wait to see his face now....although he's not a morning person so the fact I have to wake him to be at the airport for 2am might not go down that well

    Jessy, I can't wait to be on the MFW board, so close yet so far at the moment! Won't stop me making OPs in the meantime though

    PA is over £80 to cashout and £32 pending too, very pleased with this
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,409.18/14,539.71
    • monz
    • By monz 5th Jul 17, 10:12 AM
    • 2,838 Posts
    • 8,405 Thanks
    monz
    omg I am so excited for you! You have to tell us how it goes xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • kirtsypoos
    • By kirtsypoos 5th Jul 17, 12:42 PM
    • 3,039 Posts
    • 13,559 Thanks
    kirtsypoos
    Thanks Monz, I am so excited now!

    £87 at cashout and £32 pending I have decided that this will be my mortgage OP pot....for now, we will see what I decide to use it for next week

    Have arranged my parents to take us to the airport tomorrow night to save on airport parking but am rethinking now as my mom is having more surgery on Monday so we will need to arrange a way back, and if we have the car we can go straight to the hospital to see her. Hmmmm.

    I'm off to see what else I can do on PA this lunch break
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,409.18/14,539.71
    • Hiddenidenity
    • By Hiddenidenity 5th Jul 17, 1:08 PM
    • 4,230 Posts
    • 26,377 Thanks
    Hiddenidenity
    Hope you have a wonderful time
    • abba1772
    • By abba1772 5th Jul 17, 9:20 PM
    • 3,951 Posts
    • 11,963 Thanks
    abba1772
    Nearly surprise time how exciting hope it goes according to plan xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4781.47
    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 £6039.74 / £6000
    • kirtsypoos
    • By kirtsypoos 6th Jul 17, 10:00 AM
    • 3,039 Posts
    • 13,559 Thanks
    kirtsypoos
    I was so excited - got up at 5AM while he was still asleep and put the suitcase in the car (it's been in the spare room under the bed so he couldn't see it!)
    Now I am slightly worried I am coming down with a vile sickness bug which has been doing the rounds here - driving to work this morning and out of nowhere I was sick all over myself and the car I feel awful now - it's so strange, I felt a bit queasy last night and this morning but it had eased off and then that happened. Feeling very sorry for myself and trying to avoid going home because I've got too much to do (she says, updating on here! The stuff I need to do is intense an stressful and I don't feel up to it )

    Have booked cheapy airport parking because of moms operation - I don't want Dad stressing with driving between Birmingham and Stoke while she is in theatre and the parking comes to only £4.90 more than the train and taxis would cost for our return.

    Fingers crossed this feeling passes because I won't be much fun otherwise!
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,409.18/14,539.71
    • sashybo
    • By sashybo 6th Jul 17, 10:07 AM
    • 2,440 Posts
    • 18,627 Thanks
    sashybo
    Fingers crossed that you feel better soon & enjoy your break with OH.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8850 extra paid off debt. Total Debt paid off £46,208.98
    Loan £3754.39, CC 0% BT £967, Car loans £24,151.20
    • abba1772
    • By abba1772 6th Jul 17, 11:50 AM
    • 3,951 Posts
    • 11,963 Thanks
    abba1772
    Oh no please try and rest...........my daughter is feeling rotten too at the moment hope you feel better soon xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4781.47
    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 £6039.74 / £6000
    • kirtsypoos
    • By kirtsypoos 6th Jul 17, 3:30 PM
    • 3,039 Posts
    • 13,559 Thanks
    kirtsypoos
    Well I had to come home and have been feeling pretty rotten, Haven't been sick since 12 though so hoping something just hasn't agreed with me rather than a bug. Fingers crossed.

    Got quite upset just before I left work as one of my lovely ladies asked if it was morning sickness and although I know she meant well, I just think it's something you shouldn't mention, especially if you know someone is struggling. Needless to say, it definitely isn't morning sickness - I wouldn't mind so much if it was!!

    Off to collect OH in an hour but am trying to get more water down me until then. Will be back in a few days! x
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,409.18/14,539.71
    • Jessy103
    • By Jessy103 6th Jul 17, 8:10 PM
    • 467 Posts
    • 1,973 Thanks
    Jessy103
    Oh no!! Hope you feel better asap!!! x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£4,060.70
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22 October - £381.61
    • kirtsypoos
    • By kirtsypoos 10th Jul 17, 7:36 PM
    • 3,039 Posts
    • 13,559 Thanks
    kirtsypoos
    Thanks Jessy! I felt quite a bit better by the time we headed to the airport at 2am....extremely tired but at least my tummy was less of an issue!

    Had a lovely time away - we went to Bulgaria. It's quite a distance for a long weekend but somewhere we hadn't been and I like the thought of making the most of being able to go for a long weekend away every so often while we can. It was really lovely to spend some time chilled out together too. A long lazy day by the pool yesterday meant I have burnt knees today but it was worth it

    I have to be honest though, budgets went right out the window we went for a couples hammam and massage on Saturday night and then a night out on Sunday (his actual birthday) which were not in the plan. I will find a way to cover these this month, whatever it takes!

    Now I need to get my act together and start sorting out his birthday party which is on Saturday. It's a joint party with a friends husband (they are both 30 this week) so it's at my friends house, we are doing various nibbly foods and buying some ales (it's a beerfest theme) for people to taste. Nothing extravagant but nice to be able to spend an evening with a lot of friends and family

    Dreading going back to work tomorrow. I love the people I work with but my job is becoming quite stressful and it's started to affect my time away from work. Must come up with a plan for this.
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,409.18/14,539.71
    • Treadingonplaymobil
    • By Treadingonplaymobil 10th Jul 17, 7:50 PM
    • 1,058 Posts
    • 10,147 Thanks
    Treadingonplaymobil
    Sounds like a fabulous weekend! Good luck balancing the budgets, I'm sure you'll manage it somehow. good luck with the party prep too.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • Jessy103
    • By Jessy103 11th Jul 17, 10:20 AM
    • 467 Posts
    • 1,973 Thanks
    Jessy103
    Glad you were better for your weekend away! It sounds lovely and you deserve a treat with all the stress you've had lately so I wouldn't worry about the budget! Hope work isn't too bad for you, is there anyone there you can talk to about it? x
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Oct 2017 - £61,990.00
    Overpayment Target for 2017 - £5,000 /£4,060.70
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22 October - £381.61
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