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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,082Posts
    • 13,750Thanks
    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 81
    • kirtsypoos
    • By kirtsypoos 27th Sep 17, 4:01 PM
    • 3,082 Posts
    • 13,750 Thanks
    kirtsypoos
    Thanks so much for all the well wishes, you lovely bunch!

    I've been freed! I only had 1+ of ketones left in my wee and blood tests came back good so 6 bags of fluid over 50 hours and they let me go. Mainly because they desperately needed the bed so the sister told me, but I am under strict instructions to take it easy and head back up if I can't drink and keep down at least 3 litres of water a day.

    The tablets my GP wouldn't prescribe because of the expense (!!) are finally prescribed and I have 7 days worth plus have dropped the medication sheet at the Doctors for a prescription for the rest of the NZ holiday.

    Work has been as usual annoying and been in touch asking when I am back, I was there on Monday until I left for the hospital and I don't know what could have gone so wrong since then! I ended up turning my work emails off because it was stressing me out. I bet that's gone down well. I will find out tomorrow...

    Thanks again for all the messages, you're a bunch of stars xx
    Last edited by kirtsypoos; 27-09-2017 at 5:28 PM.
    £175/3000 OH BC(94.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £175/31010.23 (99.43% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,910.81/14,539.71
    • abba1772
    • By abba1772 27th Sep 17, 5:27 PM
    • 4,012 Posts
    • 12,281 Thanks
    abba1772
    Glad to hear you've been released can't believe your go wouldn't prescribe you medicine......this whole hospital admission might have been avoided xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4629.22
    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 £6592.24 / £6000
    • sashybo
    • By sashybo 27th Sep 17, 9:22 PM
    • 2,454 Posts
    • 18,684 Thanks
    sashybo
    Glad you’re out but that is seriously bad behaviour from your work - what are they going to do when you’re on maternity leave? You won’t be able to respond then either...and you shouldn’t be expected to.

    You’ll need to speak to them about their expectations that they can contact you whenever they want - you were in hospital!!
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9565 extra paid off debt. Total Debt paid off £46,824.32
    Loan £3754.39, CC 0% BT £952, Car loans £24,151.20
    • monz
    • By monz 28th Sep 17, 9:11 AM
    • 2,864 Posts
    • 8,559 Thanks
    monz
    Come to Scotland our perscriptions are free! That is a complete joke but they give medicine free to those who dont need it really or who lie to jump the queue! hope you are ok n lil bump 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 - £540.43/1064.72
    • kirtsypoos
    • By kirtsypoos 28th Sep 17, 12:05 PM
    • 3,082 Posts
    • 13,750 Thanks
    kirtsypoos
    I've got a prepayment card at the moment and prescriptions are free in pregnancy Monz, but apparently this tablet costs the CCG more than others in the same group so they are reluctant to prescribe but it really is a miracle drug! For me anyway.

    I kept my dinner down last night and my breakfast this morning, it's amazing! I've already put 1kg back on, although I'm guessing that's from the fluids rather than my 2 meals

    Had a meeting this morning with the whole office and explained my concerns and they explained that they feel uncomfortable trying to cover my work as some of it is very technical and the administrators aren't technically trained.

    I'll take that on board when I'm doing my full maternity handover and some of the other managers are going to have to step up - at the moment if they feel too busy they just push their extra work to me - not that I have time but I am much quicker than them so it's just expected!
    £175/3000 OH BC(94.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £175/31010.23 (99.43% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,910.81/14,539.71
    • reality_check
    • By reality_check 28th Sep 17, 12:28 PM
    • 695 Posts
    • 1,541 Thanks
    reality_check
    I've just caught up on your diary Kirsty, sorry to hear you were in hospital but sounds like it was needed and great news on the new medication!! Long may it last being able to keep food and water down and now the 12 week mark is here I hope you start to feel much better.

    I was at the baby and toddler show too in Manchester!! I went with my friend and her sister and we had a great day. They are both pregnant and spent a small fortune like you, glad I resisted (mostly!) as I didn't actually need anything.

    £2,000 over payment in your first year would be a great achievement with your mortgage - you are the queen of over payments!

    Hope you're feeling better <3 xxx
    Starting debt £18,675.63
    Current debt: £8,250
    • kirtsypoos
    • By kirtsypoos 2nd Oct 17, 1:37 PM
    • 3,082 Posts
    • 13,750 Thanks
    kirtsypoos
    Afternoon everyone

    What a busy weekend - getting some last minute maternity clothes ready for our trip as I have a lovely little bump now and am struggling to fit into anything structured like jeans - massive on my legs and hips after the weightloss but won't do up around the bump

    My Dad has unfortunately ended up in hospital over the weekend with pneumonia and we were considering delaying our travel plans but A) he seems to be responding to treatment and B) we wouldn't really be able to delay as we couldn't afford new flights now so I'm going to visit him tonight and then we leave tomorrow evening.

    Excited but very nervous. Found out a close friend of OHs had a miscarriage a few weeks ago and would have been roughly the same weeks pregnant as me so I'm dreading seeing her as I know it will cause some upset for her and that's the last thing I'd wish on anyone. Plus it's a lot of flying and I don't know how I will cope with it with my constant needing the toilet and still feeling queasy most of the time....wish me luck!!

    Doctors have been rubbish - I dropped in my prescription requirements from the hospital on Wednesday and went to collect it on Friday - hadn't even been passed to the Doctor, so I was not best impressed! Have called and complained this morning as it still wasn't ready and just had a call to say it's been passed over to the pharmacy so I'll be able to collect that this afternoon.

    Argh, nerves are really kicking in! It will only be the 2nd time I've met most of OHs friends and as much as I'm looking forward to seeing his parents, I don't want to offend them by sleeping most of the first few days away but I'll struggle to do anything else - on Friday night I had 12 hours sleep, 2 30 minute naps during the day then I fell asleep at 5 and didn't wake up until 8 - watched a film then went straight back to bed

    Not sure if I'll get back on to update so hope you all have a lovely October!! x
    £175/3000 OH BC(94.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £175/31010.23 (99.43% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,910.81/14,539.71
    • abba1772
    • By abba1772 2nd Oct 17, 2:03 PM
    • 4,012 Posts
    • 12,281 Thanks
    abba1772
    Your ohs parents will understand you sleeping for a couple of days xx

    Have a lovely trip and have fun xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4629.22
    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 £6592.24 / £6000
    • Hiddenidenity
    • By Hiddenidenity 2nd Oct 17, 2:05 PM
    • 4,230 Posts
    • 26,459 Thanks
    Hiddenidenity
    Have an amazing time x
    • monz
    • By monz 2nd Oct 17, 2:18 PM
    • 2,864 Posts
    • 8,559 Thanks
    monz
    Have an amazing and safe trip <3 looking forward to reading all about it when home <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 - £540.43/1064.72
    • crunch_time
    • By crunch_time 2nd Oct 17, 5:47 PM
    • 1,043 Posts
    • 3,065 Thanks
    crunch_time
    Have an amazing time!!

    Xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017.
    NEW DEBT: £7500 Now: £7500 Paid off £0 Long term savings £1240
    • Jessy103
    • By Jessy103 3rd Oct 17, 10:36 AM
    • 468 Posts
    • 1,981 Thanks
    Jessy103
    Have a fantastic trip! If you need to sleep, you need to sleep, sod what everyone else thinks! xxx
    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
    • reality_check
    • By reality_check 3rd Oct 17, 3:16 PM
    • 695 Posts
    • 1,541 Thanks
    reality_check
    Have an amazing time!! xx
    Starting debt £18,675.63
    Current debt: £8,250
    • crazy_cat_lady
    • By crazy_cat_lady 3rd Oct 17, 7:26 PM
    • 3,374 Posts
    • 28,943 Thanks
    crazy_cat_lady
    You'll be on your way now (I am always late aren't I?) but wanted to say that I hope you have a fantastic time.
    RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • kirtsypoos
    • By kirtsypoos 27th Oct 17, 8:12 PM
    • 3,082 Posts
    • 13,750 Thanks
    kirtsypoos
    I'm baaaaaaaack!!

    Shattered and showing a bit more, despite only putting 1kg of the 7 I lost before I left. No idea how I managed that given that I have taken real advantage of my improved sickness and eaten whatever I fancied at that time. Lots of hot fudge sundaes mostly so it seems weird that between that and the growing bump, I don't seem to be gaining weight. I don't look like that though - I feel huge! Sickness hasn't gone away completely but I am much improved from before.
    Trip was mostly nice but with some tense moments, mainly because OHs parents are complete opposite to mine - they say they are excited but seemed annoyed everytime I talked about the baby and were most put out that I had already veto'd OHs family name. I'm not budging though!
    They were more accepting of the surname decision though, very little was said when I told them we would be using a double barrelled surname which was much better than expected.
    I also met OHs sister for the first time, which was nice but a bit weird - we've been together over 4 years, bought two houses and are expecting a baby but I'd never met his sister.

    We had a scan whilst we were there - the idea was that OHs parents could come and feel more involved but they weren't comfortable with it in the end so waited outside then we called my parents so they could find out at the same time that we are having a...... BOY!

    Had a bit of a blow out with OH after his parents said they would come and stay with us next June (along with his sister and Aunt, while I'm trying to deal with a newborn ) and while I do 2 half days at work in July for an assessment my mom was going to bring donut into our lunch area so he is close by and I could still nip in to feed when needed. I explained this to the in laws and they said while they are here they would like to spend as much time with him as possible....all fine so far. FIL then said while I'm working they can take donut to Newcastle (as in a 4 hour drive away) to visit family I said absolutely not and OH didn't say a word. I broached it with him later and asked him to stand up for what I say to them. He said I was over reacting and if I wouldn't let them go to Newcastle, it wouldn't hurt if they took him out for a day to Birmingham. an hour away. It sounds silly but I already know I won't be comfortable with that when he is 8-10 weeks old!! If I have to come across as ridiculous and overbearing, I will. Not bothered by it at all but I do want some back up. We had a long chat a few days later once I had calmed down and he agreed to be on my side. We will see when the time comes!

    I spent a lot of time napping and we didn't get to see some of the people we had planned. I felt bad but I wasn't 100% still after the sickness (still am not really, I'm still sick everyday it's just not as regularly as before)

    V8s were actually quite fun (although I'm downplaying that to OH as it cost a fortune and won't be on the to do list again anytime soon) but I was still shattered. I have spent so much time napping over the last 3 weeks that I'm not sure how I'm going to cope at work next week

    We stuck to our budget even after my £100 splashout on baby boy clothes. We knew that was going to happen though, whichever way the gender went

    My parents have been slightly over excited and bought us the pram while we were away. It was lovely of them but I would have liked to be there to buy it. That's ridiculous isn't it? They bought the one I chose, in the colour I wanted, I'm just a bit miffed that they didn't tell me they were doing it and dropped it on us when we landed yesterday. Hormones making me crazy again I'm sure...

    Hope everyone is ok anyway xx
    £175/3000 OH BC(94.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £175/31010.23 (99.43% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,910.81/14,539.71
    • crunch_time
    • By crunch_time 28th Oct 17, 7:11 AM
    • 1,043 Posts
    • 3,065 Thanks
    crunch_time
    Welcome back!! Hope you had a lovely lovely time and it’s great to hear you feel better!! Also congratulations on having a boy!! Boys are awesome fun!!

    The antics of your parents and in laws made me laugh and reminded me of similar stories when I was pregnant with my two. All now forgotten. Once the baby is here it will be better. Just focus on looking after yourself and take all the naps you need.

    Looking forward to seeing you smash that debt!!

    Crunchy xx
    LBM June 2014. Original debt £23,555 vs Now £0 Paid off in April 2017.
    NEW DEBT: £7500 Now: £7500 Paid off £0 Long term savings £1240
    • XSpender
    • By XSpender 28th Oct 17, 7:46 AM
    • 2,703 Posts
    • 27,930 Thanks
    XSpender
    Glad to hear you had a good trip and congratulations on having a baby boy. I have a blue one too!

    I wouldn't have wanted someone taking my DS away for the day without me when he was that young either.
    EF £1000 - £0
    • abba1772
    • By abba1772 28th Oct 17, 8:35 AM
    • 4,012 Posts
    • 12,281 Thanks
    abba1772
    Aww congrats......a baby boy how sweet

    I completely understand about not wanting your little boy away from you.......I was exactly the same but when my youngest was 5 weeks old my mil took him for a overnight (he's bottle fed tho) and ever since then my Kk knows every Wednesday is grans night and he gets awfully upset if we have to change plans as it's a part of his routine and he's four now and they have a wonderful relationship it's quite sweet to watch xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4629.22
    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 £6592.24 / £6000
    • crazy_cat_lady
    • By crazy_cat_lady 28th Oct 17, 1:11 PM
    • 3,374 Posts
    • 28,943 Thanks
    crazy_cat_lady
    Congratulations on the blue bump Kirsty I have one of each so am very lucky.
    I think people are always well meaning about planning and prepping when baby gets here, but the fact is that nobody knows what will happen. It's such a massive change becoming a parent - nobody can prepare you for it and nobody can say how it's going to go. With one of mine I didn't leave the house for over a week, and with the other I was up and at the shops the next day - you just can't ever tell.
    Not that you need to listen to any of my advice, but I would just take one day at a time and be really flexible with your plans. Don't agree to anything, just see how you feel when it comes around. x
    RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • kirtsypoos
    • By kirtsypoos 29th Oct 17, 9:55 AM
    • 3,082 Posts
    • 13,750 Thanks
    kirtsypoos
    Welcome back!! Hope you had a lovely lovely time and itís great to hear you feel better!! Also congratulations on having a boy!! Boys are awesome fun!!

    The antics of your parents and in laws made me laugh and reminded me of similar stories when I was pregnant with my two. All now forgotten. Once the baby is here it will be better. Just focus on looking after yourself and take all the naps you need.

    Looking forward to seeing you smash that debt!!

    Crunchy xx
    Originally posted by crunch_time
    Thanks Crunchy, one of my friends said yesterday that all will be forgotten when he arrives and I think she's probably right - my emotions are all over the place so I probably should have tried not to snap at them

    Glad to hear you had a good trip and congratulations on having a baby boy. I have a blue one too!

    I wouldn't have wanted someone taking my DS away for the day without me when he was that young either.
    Originally posted by XSpender
    I already know that I'm going to be protective - I am with my niece, so donut won't be any different... I just thought it would be a good idea to let them know my expectations before they come to visit, but perhaps I should have kept it zipped and just had the conversation at the time.
    £175/3000 OH BC(94.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £175/31010.23 (99.43% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,910.81/14,539.71
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