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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,047Posts
    • 13,522Thanks
    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 71
    • kirtsypoos
    • By kirtsypoos 11th Jul 17, 3:49 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    I'm not overly stressing about the budget - had a massive wobble this morning when I realised how much we had overspent...there may be a debt hangover longer than this month from this On the upside I am definitely better at paying things off than I am at sticking to holiday budgets so I will soon be back on track

    There's not really much I can do about work. I'm in a very difficult situation with the company I am in which basically means I know more than I want to and that causes much more stress than I would like. Today has been very good though, which was a nice surprise after a few days away. It has made me feel slightly better coming up to the great NZ trip in Oct
    It always seems to be the way - I get myself in an absolute state after a few bad weeks and then have one good day which makes it all seem so much better.

    Having time with OH away from the stresses of work/home/medical problems was so lovely, I can't wait until we go away again! I think it has done us both the World of good. OH went back to work today and found they had bought him a lovely big chocolate cake - he's never had anything like that from work before so he is chuffed

    My mom had her second surgery yesterday - she had to have the experimental implant removed as it wasn't doing what was hoped so she is very sore and I want to go and see her but I want to make sure she is up for visitors first, hopefully will be able to go tonight though
    £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 - £17,309.18/14,539.71
    • monz
    • By monz 12th Jul 17, 10:29 AM
    • 2,861 Posts
    • 8,344 Thanks
    monz
    I always find if you look at your very first post and see how far you have came it makes me feel a lot better <3!!

    aww hope your mum is ok xxx
    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 12th Jul 17, 10:52 AM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    Thanks Monz - that's such a good point! Sometimes it's hard to remember how hard it was in the beginning

    She seems to be ok - she didn't want visitors last night as my dad had been out at RAF Coningsby yesterday and he didn't get back until late so they had a chippy tea and went to bed

    My Dad runs an appreciation group for Spitfires (he's obsessed!) and one of his friends is an ex spitfire pilot (in his 90's now) so they go together to loads of veterans events and air shows. I actually saw him on Good Morning America and BBC News this morning in the background of Prince Williams visit so funny to see him on TV, completely oblivious!

    Still gearing up for OHs birthday party - so much left to do!! x
    Last edited by kirtsypoos; 12-07-2017 at 1:15 PM.
    £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 - £17,309.18/14,539.71
    • crazy_cat_lady
    • By crazy_cat_lady 12th Jul 17, 12:50 PM
    • 3,369 Posts
    • 28,913 Thanks
    crazy_cat_lady
    Sounds as though you've been mad busy as well Kirsty. Pleased that you enjoyed your holiday and time away, and hope that your mum is feeling better today.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • reality_check
    • By reality_check 13th Jul 17, 6:54 PM
    • 687 Posts
    • 1,485 Thanks
    reality_check
    Hi Kirsty! I've been reading your diary non stop all week, was like a good book you don't want to put down! You have achieved so so much, in such little time - can't believe you've moved house twice and paid off so much money!! You really have inspired me. Your job sounds so stressful and they clearly need you, just make sure they know that and try not to bring work thoughts home with you - easier said than done I know, especially with your boss who doesn't seem to have any work/home boundaries at times lol. I wish you all the luck in the world for your dreams of starting a family, I know how tough it can be when it doesn't happen. I tried for 5 long years to get pregnant (I don't mean to say this to scare you and put you off!) but I am 35 and 4 weeks away from my due date, just hang on in there. Enjoy the party this weekend! xxx
    Starting debt £18,675.63
    Current debt: £8,250
    • kirtsypoos
    • By kirtsypoos 13th Jul 17, 10:35 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    Gosh thank you so much for reading 2 years worth of ramblings reality_check!

    To be honest I can't believe it either, I have no idea how on Earth I managed to spend so much money before this! Congratulations on your little bundle! Do you know what you are having or is it a surprise?

    K xx
    £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 - £17,309.18/14,539.71
    • reality_check
    • By reality_check 14th Jul 17, 12:38 PM
    • 687 Posts
    • 1,485 Thanks
    reality_check
    I know, it’s crazy and so annoying to think what a waste, but oh well…we live and we learn!

    We are having a little girl, we weren’t going to find out, but decided to in the end xx
    Starting debt £18,675.63
    Current debt: £8,250
    • kirtsypoos
    • By kirtsypoos 14th Jul 17, 2:34 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    So true, no point dwelling on it but what were we thinking?!

    How exciting! Not long now! Little girls are the best (my niece is probably my favourite person in the World!) OH and I regularly have name conversations and we can agree on 2 girls names but don't agree on any boys names at all so if it happens I think it would be easier if we had a girl 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 - £17,309.18/14,539.71
    • reality_check
    • By reality_check 14th Jul 17, 2:43 PM
    • 687 Posts
    • 1,485 Thanks
    reality_check
    Oh we have no names! Well, I really mean no names that we both fully agree on! We actually had a boys name that we both loved from the start - typical!

    I also realised my new survey love that came from Monz for PA was from you! I had no pateince for any survey sites so never signed up, until I camer across this little beauty. Had a £10 one today!

    Hope you're all sorted for the party! Enjoy your weekend xx
    Starting debt £18,675.63
    Current debt: £8,250
    • kirtsypoos
    • By kirtsypoos 14th Jul 17, 3:10 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    That's good to know - my sister and her OH were set on the name from the day they found out and luckily it fits their little one perfectly but I can see us changing our minds constantly. Oh well, if it happens I will gladly take weeks of deliberation!

    I can't take the credit really - I found it from someone on here years ago but never got into it until a couple of months ago - I've made over £200 since then!!

    Still much to do for the party. Putting gazebo up tonight and need to pick up a few bottles of prosecco then it's just on to decorating tomorrow After making up 3 beds and cleaning the house ready for OHs brother and 2 friends who are coming to stay and doing a food shop for breakfasts for them... plenty of time for all that I'm sure

    Found out that my local CCG won't offer me any treatment unless I lose some weight too, so part of the food shop will be to for veg and meat as that's all I intend to eat until 8th August now I need to have a BMI under 30 and it's 32 now so I know I won't lose enough to get under that but hopefully will be well on the way
    £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 - £17,309.18/14,539.71
    • Bobarella
    • By Bobarella 14th Jul 17, 4:51 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    Wow I haven't been on in a while, and you've been up to so many exciting things! All sounds brilliant. Except for the bit about your Mum having more surgery. How is she now?
    " 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
    • AspiringButAnxious
    • By AspiringButAnxious 14th Jul 17, 5:01 PM
    • 615 Posts
    • 2,488 Thanks
    AspiringButAnxious
    Hey Kirsty, just stopping by to catch up and say that I'm wishing you and your mum all the best
    Rainy day fund — 580/500 Emergency fund — 1009/1000
    Loan — 100/19,300 = 0.5% Fun fund: 10 Credit card balance — 0
    • kirtsypoos
    • By kirtsypoos 14th Jul 17, 11:12 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    Thanks Bob and ABA she is doing really well actually. It was experimental surgery so we knew it only had a small chance of working but since it was reversed on Monday she seems much better!

    I'm off to bed now as I have so much left to do tomorrow as I can't keep my eyes open now!
    £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 - £17,309.18/14,539.71
    • abba1772
    • By abba1772 14th Jul 17, 11:25 PM
    • 3,974 Posts
    • 11,860 Thanks
    abba1772
    Glad to hear your mum feels better xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    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 £6029.74 / £6000
    • kirtsypoos
    • By kirtsypoos 16th Jul 17, 4:06 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    Well OHs birthday party was last night and was a huge success! We went with a beer festival theme and had an ale tasting table (most people brought a bottle of ale with them and we tasted 17 and still had over 20 left over!), a beer quiz (thanks to google and word, along with some beer clip art I made some answer sheets and it went down really well!) We had a friends gazebo and it decorated with Oktoberfest bunting. Had hotdogs and bread pretzels along with LOADS of other foods. There were a few sore heads this morning, OHs in particular, along with one guy who partook a little too excitably in the tasting and ended up falling over when he got home and had to have his head glued at A&E!
    I loved it! I absolutely love hosting, even if it does cost

    OHs birthday fortnight is now at an end, much to his upset

    Our first month of joint finances is going well so far, everything is going as it should which is excellent. I knew my spreadsheet was right but I did have some slight concerns about OHs random spends
    £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 - £17,309.18/14,539.71
    • MeandO
    • By MeandO 17th Jul 17, 11:24 AM
    • 1,158 Posts
    • 5,608 Thanks
    MeandO
    Hi Kirstypoos, I didn't realise you had a diary, just stumbled across it and thought I'd return the 'hello's'.

    So sorry to hear your Mum isn't in the best of health too, I hope things are looking up for her now after her procedure. It's such a worry isn't it.

    OHs party sounded like great fun! Love the theme and the making of bits for it! I loved to host too and when DS's Dad and I were still together, pre DS, we hosted some brilliant themed parties and BBQs at our house. Still have fab memories of them!

    Good luck with the budget, sounds like you have everything under control.
    xx
    Savings: £1700/£2000
    Mortgage Feb 2015: £102,000
    Mortgage now: £78,000

    "Life shrinks or expands in proportion to one's courage" - Anais Nin
    • kirtsypoos
    • By kirtsypoos 17th Jul 17, 1:52 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    Thanks MeandO whilst I am happy that she has been put forward for this trial, it does worry me that she's gone through these surgeries with no benefit

    She's much better now this implant has been removed and I'm relieved that there are no more surgeries planned for a while so I'll relax. She's a love though - I was a bit upset last week so she bought me the most beautiful bouquet of flowers to cheer me up, and she made a wonderful cake for OH - a V8 supercar helmet, he doesn't want to eat it

    You can't beat a good theme! My friends parents always have a theme and we divide into teams which are picked out of a hat and have fun challenges - it's lovely to get to know people that we wouldn't normally speak to at these parties because no one gets to stay in friendship groups.
    I need ideas for the next gathering so feel free to share yours

    K 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 - £17,309.18/14,539.71
    • Bobarella
    • By Bobarella 17th Jul 17, 4:44 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    Glad the party went well Kirsty. Poor guy who did that to his head though!
    " 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 17th Jul 17, 4:54 PM
    • 3,047 Posts
    • 13,522 Thanks
    kirtsypoos
    So pleased to hear from you Bob - hope you are doing ok.

    I did feel for him, until he reminded me that halfway through the quiz he went to the local off licence and bought 8 pint cans of strongbow which he proceeded to drink in under 2 hours I think I'd still be passed out now if I drank that much!
    £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 - £17,309.18/14,539.71
    • Bobarella
    • By Bobarella 17th Jul 17, 5:03 PM
    • 10,476 Posts
    • 69,667 Thanks
    Bobarella
    Thanks Kirsty!

    Jeez 8 cans of Strong Bow! Thats major. No wonder he went off the rails.
    " 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
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