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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,303Posts
    • 14,643Thanks
    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 91
    • enthusiasticsaver
    • By enthusiasticsaver 1st Feb 18, 11:36 AM
    • 5,705 Posts
    • 11,302 Thanks
    enthusiasticsaver
    Goodness how frustrating. I feel for you. Definitely the energy ombardsman must be next I guess. Is it just you or is it your neighbours too?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • kirtsypoos
    • By kirtsypoos 1st Feb 18, 12:36 PM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Weirdly it appears to have affected us and 1 other house out of the 12 that completed within the last quarter of 2016
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • abba1772
    • By abba1772 1st Feb 18, 2:48 PM
    • 4,359 Posts
    • 14,380 Thanks
    abba1772
    Fingers crossed the omnibus man gets answers for you soon that's a ridiculous amount of time to wait for a bill xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2600.20
    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 £7278.80 POAMAYC 2018 £2218.92
    • kirtsypoos
    • By kirtsypoos 2nd Feb 18, 1:33 PM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    I have some money put aside for it, but I can't work out what the bill would be when they won't agree what tariff I was on I just hope what I've put aside is enough, I really don't want to dip into savings to pay it but what will be will be.

    It's my last official full day at work today, as of Monday I am part time....except when I am needed to stay over an extra hour or 2 here and there. I will be adding any of this back in to owed holiday time if I can - anything over 1 hour counts, anything under 1 hour is not allowed to be counted

    I've decided to leave the baby clothes washing etc for tomorrow and am going to terrorise my niece instead I haven't seen her for a couple of weeks and I really notice how much she's changed then.
    I'm also going to get the lowdown on my sisters wedding plans. Wedding is in November. She has bought donut a lovely suit type outfit as he will be in the wedding party. I'm actually quite excited that I will be on mat leave so will get to partake in all the prep etc. I've given up lecturing about money - I'm just letting them get on with it and will see what happens. Not my circus, not my monkeys as an old co worker used to say!

    Am cracking on with OPs, slowly but surely - the way I figure it, if I can make decent OPs to both mortgage and car loan then I will be happier and more comfortable with where we are and the reduced monthly car loan payment will help with maternity leave.

    I rejig the mat leave budget spreadsheet every day but I'm sure there are still savings I could make - however increased time at home will doubtless increase the energy bills so I have to be realistic xx
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • reality_check
    • By reality_check 5th Feb 18, 8:12 AM
    • 719 Posts
    • 1,644 Thanks
    reality_check
    Anything over an hour?! That is ridiculous! My work used to be anything under 15 minutes wasn't counted until someone went to the union and turns out you are entitled to any time back. I would look into that. I also hate British Gas, a law unto themselves!!

    I loved washing all the new baby clothes, I try and only use fairy for the baby, but used it on our bedsheets yesterday and I just love the smell!

    xxx
    Starting debt £18,675.63
    Current debt: £7,000
    • kirtsypoos
    • By kirtsypoos 6th Feb 18, 9:22 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    It's silly isn't it?! I'm sure if I wanted to, I could look into the legalities of it but to be honest when I do overtime it's never under an hour so doesn't have much of an impact on me.

    British Gas still haven't responded to my last complaint so got to wait for energy ombudsman now.

    I've got the fairy non bio gel for baby stuff (on an amazon glitch for cheapness, obviously ) and I love it - still using surf for us from the Morrisons 90 wash box offer but if I can find more fairy glitches I will happily swap to that for all of us, it's a lovely smell!

    Half days commencing yesterday didn't exactly go to plan as some lowlifes had cut all the phone lines into the building over the weekend (we used to have a telephone operated front gate so think they were trying to override that to rob the place) luckily we changed to a fob system with a key override a few months ago so they had no luck, but we had no emails or phones until early afternoon, and no way of contacting clients to let them know except our facebook page which is hardly booming I managed to get out 2 hours late and then slept for over 2 hours on the sofa

    Start hypnobirthing classes tonight so I'm sort of looking forward to that and slightly dreading it - I'm worried it will be all hippy-ish and anti drugs, which isn't what I'm after - I want to be able to control the early part of labour with breathing but then I'm open to all options!

    We have guests this weekend who are coming for a weekend and it happens to coincide with my secret baby shower - all I know is that it is on Saturday, nothing else has been leaked to me. My mom is keeping very quiet! people rarely manage to keep surprises from me so I'm really excited about this.

    My sister asked me to be bridesmaid for her over the weekend too, which was lovely and a bit unexpected. She'd made a lovely little goodies box with stuff I can have after donuts arrival - a massive hotel chocolat heart, mini bottle of prosecco with prosecco glitter and a little message in a bottle with a lovely little note saying sisters are the best friends and she couldn't imagine her wedding day without me by her side with a little note at the end asking donut to be pageboy too. So lovely. Obviously I cried like a baby!

    Am going to attempt to leave on time today so I can fit a nap in before my class, wish me luck!

    Hope everyone had a lovely weekend xx
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • kirtsypoos
    • By kirtsypoos 6th Feb 18, 9:24 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    How could I forget - the final DD for OHs CC comes out tomorrow!! I am counting down the minutes until I can update my signature!! xx
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • PositiveBalance
    • By PositiveBalance 6th Feb 18, 12:50 PM
    • 639 Posts
    • 3,079 Thanks
    PositiveBalance
    How lovely, Kirsty - I hope you will enjoy it and your hypnobirth class in the meantime. x
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439. 01.
    0% CC balance: £4999.10 then £4999.67 now £4886.20.

    Terrimundi: £22.00

    • PositiveBalance
    • By PositiveBalance 6th Feb 18, 12:55 PM
    • 639 Posts
    • 3,079 Thanks
    PositiveBalance
    Also, MEGA excitement at the NZ CC being paid off in full!
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439. 01.
    0% CC balance: £4999.10 then £4999.67 now £4886.20.

    Terrimundi: £22.00

    • enthusiasticsaver
    • By enthusiasticsaver 6th Feb 18, 1:58 PM
    • 5,705 Posts
    • 11,302 Thanks
    enthusiasticsaver
    Exciting times for you.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • kirtsypoos
    • By kirtsypoos 7th Feb 18, 10:25 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Hi everyone!!

    I'm so excited I could scream! The DD came out this morning which means EVERY PENNY of my original debt is gone!! £31010.23 paid off in 32 months

    Obviously we still have the car loan, spendy CC (paid off as we use) and the NZ CC but I am beyond thrilled.

    I couldn't have done any of it without the amazing support on here, both old posters and new, along with my fantastic parents who were a huge help despite them thinking I am mad. Thank you all for your wise words and kindness when I was really struggling

    Next month I will have my dream baby in my arms, in my lovely house with no unserviceable debt and an absolute certainty that I will never get myself into that situation again. Who'd have thought when I started this diary that I would be here?!

    Slightly emotional, and I won't even pretend it's all baby related xx
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • PositiveBalance
    • By PositiveBalance 7th Feb 18, 10:31 AM
    • 639 Posts
    • 3,079 Thanks
    PositiveBalance
    CONGRATULATIONS Kirsty!

    I'm DELIGHTED for you and you totally deserve all the good things that are coming your way. You have worked sooo hard to get rid of a frankly not inconsiderable sum in a fairly short space of time and you have battled through some pretty nasty health issues to get the baby of your dreams as well.

    What's the plan for the remaining debt, again?!
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439. 01.
    0% CC balance: £4999.10 then £4999.67 now £4886.20.

    Terrimundi: £22.00

    • kirtsypoos
    • By kirtsypoos 7th Feb 18, 10:36 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Thanks PB, I'm so happy I could burst!

    Haha, even on mat leave I plan on selling anything that isn't nailed down and throwing it at the car loan and mortgage alternately no rest for the wicked! I will be completely debt free at some point!!
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • monz
    • By monz 7th Feb 18, 10:48 AM
    • 2,974 Posts
    • 9,180 Thanks
    monz
    awww amazing!! all your hard work paid off xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • reality_check
    • By reality_check 7th Feb 18, 11:08 AM
    • 719 Posts
    • 1,644 Thanks
    reality_check
    Good things come to those who wait! You deserve everything that you have got and worked so hard for it. I know I dont know you but you seem such a lovely person and I am genuinely very happy for you! xxx
    Starting debt £18,675.63
    Current debt: £7,000
    • WannabeFree
    • By WannabeFree 7th Feb 18, 11:26 AM
    • 1,120 Posts
    • 9,143 Thanks
    WannabeFree
    Congratulations Kirsty

    So happy for you

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • sashybo
    • By sashybo 7th Feb 18, 11:46 AM
    • 2,610 Posts
    • 19,809 Thanks
    sashybo


    Well done Kirsty! You should be very proud of yourself.

    Not long until the wee one arrives, make sure you enjoy the chance to sleep.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9807 extra paid off debt. Total Debt paid off £49,180.78
    Loan £3055.47, CC 0% BT £770, Car loans £23,634

    Have a Debt Free Diary to try & keep spending in check.
    • abba1772
    • By abba1772 7th Feb 18, 12:26 PM
    • 4,359 Posts
    • 14,380 Thanks
    abba1772
    Congrats Kirsty you've done yourself proud well done xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2600.20
    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 £7278.80 POAMAYC 2018 £2218.92
    • enthusiasticsaver
    • By enthusiasticsaver 7th Feb 18, 4:15 PM
    • 5,705 Posts
    • 11,302 Thanks
    enthusiasticsaver
    Well deserved. I remember your first post with the worrying news about your health concerns and the debt impacting on your wish to have a baby. Since then you have bought your own house, twice and still managed to clear the debt and managed a trip to NZ all without incurring more debt.

    You are now in a great position going forward and can relax on your maternity leave without the worry of debt repayments etc.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • XSpender
    • By XSpender 7th Feb 18, 5:10 PM
    • 2,861 Posts
    • 29,566 Thanks
    XSpender
    Congratulations, all your hard work has paid off
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£510.80
    Target Debt Virgin (Me) Part 1 £1176.49/£652
    Target Debt Virgin (Me) Part 2 £1038/£1038

    Big black hole of debt - £53,515.15 @ 16.12.17 £53,997.55 @ 31.01.18
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