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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 2,982Posts
    • 13,288Thanks
    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
    • 2,982 Posts
    • 13,288 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.
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • abba1772
    • By abba1772 27th Sep 17, 5:27 PM
    • 3,869 Posts
    • 11,188 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 £5372.81
    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 £4900.50 / £6000
    • sashybo
    • By sashybo 27th Sep 17, 9:22 PM
    • 2,434 Posts
    • 18,514 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 - £8770 extra paid off debt. Total Debt paid off £45,641.11
    Loans 1 & 2 £3962.81, CC 0% BT £475, Car loans £24,485.65
    • monz
    • By monz 28th Sep 17, 9:11 AM
    • 2,792 Posts
    • 7,961 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 £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • kirtsypoos
    • By kirtsypoos 28th Sep 17, 12:05 PM
    • 2,982 Posts
    • 13,288 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!
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • reality_check
    • By reality_check 28th Sep 17, 12:28 PM
    • 672 Posts
    • 1,404 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
    • 2,982 Posts
    • 13,288 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
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • abba1772
    • By abba1772 2nd Oct 17, 2:03 PM
    • 3,869 Posts
    • 11,188 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 £5372.81
    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 £4900.50 / £6000
    • Hiddenidenity
    • By Hiddenidenity 2nd Oct 17, 2:05 PM
    • 5,061 Posts
    • 23,106 Thanks
    Hiddenidenity
    Have an amazing time x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • monz
    • By monz 2nd Oct 17, 2:18 PM
    • 2,792 Posts
    • 7,961 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 £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • crunch_time
    • By crunch_time 2nd Oct 17, 5:47 PM
    • 1,011 Posts
    • 2,665 Thanks
    crunch_time
    Have an amazing time!!

    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: £6564 Paid off £668
    Dog/New House savings £1519 Long term savings (finally) £840
    • Jessy103
    • By Jessy103 3rd Oct 17, 10:36 AM
    • 448 Posts
    • 1,889 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 July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    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
    • reality_check
    • By reality_check 3rd Oct 17, 3:16 PM
    • 672 Posts
    • 1,404 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
    • 3,352 Posts
    • 28,790 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.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
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