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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,042Posts
    • 13,502Thanks
    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 79
    • perfectxmess
    • By perfectxmess 8th Sep 17, 12:00 AM
    • 4 Posts
    • 14 Thanks
    perfectxmess
    just wanted to stop by and say congratulations on your exciting news! i started reading your diary late last year and have checked back in every now and then but didn't have an account until now. you've done so well on the debt and mortgage overpayments hope the sickness starts to improve soon xo
    • monz
    • By monz 8th Sep 17, 9:20 AM
    • 2,859 Posts
    • 8,337 Thanks
    monz
    Under £500!!!!!! well done 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 8th Sep 17, 12:16 PM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Thank you so much perfectxmess

    Thanks Monz, only by a pound, but under is under !!!!

    So, major improvement so far today - only 1 bout of sickness!! Hopefully my placenta is finally taking over so my hormones can settle or it might just be a fluke, we shall see how the rest of the day goes and if tomorrow is the same, fingers crossed

    Am waiting for my 12 week scan date which they said could take 2 weeks from my midwife appt to come so if nothing has arrived on Monday I'll give them a call.

    I'm hoping for some savings from NZ spends so we can make extra payments to the CC when we get back - not sure whether it will be the NZ CC or OHs at the moment but one of them will hopefully be getting a cash injection....if I can persuade OH he doesn't need every piece of V8 memorabilia that is!
    £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
    • kirtsypoos
    • By kirtsypoos 12th Sep 17, 7:51 PM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Well my good day was wishful thinking but I am getting used to it a bit more I think.

    My scan date finally came through too, 25th September a bit later than I would have liked but I'm just happy to have a date now!

    3 weeks today until we leave for NZ, I'm getting a bit nervous about feeling so rough on such long flights but I'm sure I'll be fine.

    Couldn't resist a cute little outfit for donut today. It's the first thing I've bought. I wasn't planning to until after the scan but my heart melted at this little winnie the pooh set in sainsbobs so it accidentally fell in the trolley

    Little PAD of £9 to OHs BC today as I felt that the number was a bit stagnant. PA has been slow at the moment and I only have £18 ready to cash out which is nothing compared to how I was doing in June/July but hoping it will pick up soon so I can get back to the OPs to CC and mortgage more often
    £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 13th Sep 17, 10:23 AM
    • 2,859 Posts
    • 8,337 Thanks
    monz
    12 days to go . If I see any deals will let you know 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 13th Sep 17, 10:44 AM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Thanks Monz I've got 2 countdown apps on my phone to the scan....obsessed much!

    I was part of 2 TTC groups - one on here and one on FB and a few of those ladies have gotten their positives in the last few weeks - I'm so thrilled for them! It makes it feel more real for me when I think about how far I've come since we found out - it feels like it's taking FOREVER but actually we've known for 8 weeks on Friday....it doesn't feel that far away that we found out!

    I found donuts heartbeat with my handheld doppler at home last night as well - so lovely to hear

    Nieces 1st birthday this weekend and I've been very reserved and only bought her an outfit and a baby einstein toy - she will get so much that it just gets lost in the pile so I'll save the money into the presents pot and get her something a bit bigger for Christmas. I can't believe she is 1 already. Where does the time go!! 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
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 10:35 AM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    I've set myself a new financial challenge - I want to have paid £2k on overpayments to the mortgage by the time we have been in the house 1 year, so I have 3 paydays to make that happen and £275.26 to pay. £91.75 a month. I can so do this!!

    I won't be able to do anywhere near this next year while I'm on maternity leave so I'll concentrate on this target and see if I can beat it

    We are still going through the name agony, I think we have decided on double barrelled for the surname but the boys name we liked had 2 middle names which sounds ridiculous with 2 surnames so we have to rethink that plan 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
    • monz
    • By monz 14th Sep 17, 11:48 AM
    • 2,859 Posts
    • 8,337 Thanks
    monz
    ahhh let me hear... mail me 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
    • abba1772
    • By abba1772 14th Sep 17, 1:43 PM
    • 3,967 Posts
    • 11,820 Thanks
    abba1772
    Maybe OH should put a ring on it

    My first born son has three names and his surname it is a bit of a mouthful lol xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4792.52
    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 £6028.69 / £6000
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 2:02 PM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    I've given up hinting about it abba, he's adamant that if we get engaged it won't be until after the baby is born even the threat of my name only wouldn't change his mind, stubborn mule he is
    £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 Sep 17, 2:04 PM
    • 3,967 Posts
    • 11,820 Thanks
    abba1772
    I've given up hinting about it abba, he's adamant that if we get engaged it won't be until after the baby is born even the threat of my name only wouldn't change his mind, stubborn mule he is
    Originally posted by kirtsypoos
    Is he anti marriage???? Maybe have a word in his mums ear and get her to nag him
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4792.52
    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 £6028.69 / £6000
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 2:20 PM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Not particularly, he just doesn't see it as important. And he HATES being told what to do so if I bring it up I add months on to the wait, so he says

    I think his Dad will want to have a father/son talk with him when we get to NZ so hopefully he will be able to convince him that being married would be a good plan.... wishful thinking on my part I think
    £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
    • kirtsypoos
    • By kirtsypoos 15th Sep 17, 12:38 PM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Made another little PAD to OHs BC today so when his DD goes out on 7th October it will be £400 left. Woop!
    I'm only making small payments to this CC at the moment in favour of making mortgage OPs, and it will be paid off before donut arrives anyway

    Dozed off waiting for OH to get home from kung fu last night and had an awful dream last night that he had been in an accident. He was an hour later than normal and I couldn't get hold of him so I was a bit of a state much to his surprise when he wandered in looking happy as larry wondering why I'd been blowing his phone up with calls!
    £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
    • crunch_time
    • By crunch_time 15th Sep 17, 5:14 PM
    • 1,024 Posts
    • 2,757 Thanks
    crunch_time
    I've done the same before. I friends husband died suddenly while out on a run a few years ago and it's stayed with me. Whenever husband is later than he says he will be he gets Lots of missed calls - and it was worse when I was pregnant! Xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017. Since then lost my way a bit and then decided to move house and start a new course...
    NEW LBM: 16/9/17 NEW DEBT: £7232 Now: £7112 Paid off £120
    HMRC Savings £3222 £0 Long term savings (finally) £840
    • kirtsypoos
    • By kirtsypoos 17th Sep 17, 2:05 PM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Thanks crunchy - he thinks I'm mad so it's nice to know I'm not the only one to over-worry!

    I'm officially over the 12 week mark and still finding donuts heartbeat on my home doppler so I should start to relax a bit now....right?! In reality I think I need the official 12 week scan to be able to calm down and that's not until a week on Monday so just a little longer for OH to put up with my stressing!

    My niece is now 1! I don't know where the time went but we had a lovely Disney themed party for her yesterday (yours truly dressed up as Minnie Mouse ) and she was a star, as usual! It's my friends little boys 1st birthday today so off to his party shortly, just wish I felt better today!

    Most people at nieces birthday party don't know I'm expecting so her MIL roped me in to doing the cooking (raw meats are NOT my friend at the moment) so I was trying very discreetly to make secret dashes to the toilet when I felt sick - to the point where she asked if I was feeling ok the after effects of being so poorly yesterday have lingered today so I'm hoping I feel better when we get there! 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
    • kirtsypoos
    • By kirtsypoos 20th Sep 17, 9:45 AM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Back for a small update! Made a little PAD to OHs BC today as it's payday tomorrow and I have some of my discretionary spends left. Well quite a bit of it really, but the rest is going into Donuts fund ready for a trip to the baby show in Manchester at the weekend

    It's the 4th anniversary of our first date today and OH has outdone himself - a beautiful silver frame with a picture of donut and a poem for me from donut lots of tears this morning!!

    We were hoping to go to our favourite restaurant for a meal but I'm not feeling great so I think a night curled on the sofa might be in order instead. Not the most glam but we can have a nice meal in NZ to make up for it (assuming I feel better then!) 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 20th Sep 17, 6:50 PM
    • 10,476 Posts
    • 69,666 Thanks
    Bobarella
    Hi Kirsty

    Happy Anniversary to you! Im so glad to find you in good health (if a little on the queasy side)

    I must say I never understand the view of people that dont want to get married, once there is a child involved. A baby together is the ultimate commitment for life, you will never not be able to be in touch if you split with a child together, so how is marriage any more imposing? But Im not your OH, and he must have his reasons.

    Bob
    " 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
    • monz
    • By monz 21st Sep 17, 9:55 AM
    • 2,859 Posts
    • 8,337 Thanks
    monz
    Sadly I am on your partners side. A child wont make a relationship any better or worse. Unless marriage was on the cards, dont force it because a child is involved. sorry, I am sure he will eventually but when hes ready and not feeling like he is being forced too and cd grudge it, its not a cliche now to having to be married when you get pregnant <3 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 21st Sep 17, 11:22 AM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    Thanks Bob, it's so good to hear from you! I'm off for a catch up on your diary

    I'm with you Bob, it was made very clear by both of us that marriage first would be our preference when we first got together but now he is more bothered about being able to save for that latest computer game than a ring for me - he's been quite honest and said it's more about money than anything else, which winds me up even more because a haribo ring would do for me but he wants it to be 'right'

    I totally get that it won't fix a relationship Monz, but it's not like we need fixing - we have come such a long way over the last 2 years. If we truly had insurmountable issues I wouldn't be pregnant. It's a reflex action from him because he doesn't like expectation, and my grandparents, parents and his parents have made it quite clear that they expected different from us.

    My sister keeps saying that he might have a plan, and he may well, but I doubt it. He is the King of half hearted plans - he means nothing by it but he truly wouldn't consider it an issue if he planned a nice proposal but didn't bother asking my Dads permission, or he would buy a ring but have no plan of how to do it and would leave it to someone else to make the arrangements. It's a good job I love him, and am completely Type A myself so I prefer to be the organiser
    £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
    • kirtsypoos
    • By kirtsypoos 21st Sep 17, 11:38 AM
    • 3,042 Posts
    • 13,502 Thanks
    kirtsypoos
    In other news a good friend of mine had her baby last night - 3 weeks early and 7lb 5oz so might have been a whopper otherwise! She ended up with a section so hopefully will get to meet the little man before we jet off to NZ....fingers crossed!

    So exciting, my best friend is due in 6 weeks and after that I'm next in my friendship groups anyway (at the moment, unless anyone else announces in the meantime!)
    £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
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