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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 92
    • mary hinge
    • By mary hinge 7th Feb 18, 6:31 PM
    • 1,475 Posts
    • 6,941 Thanks
    mary hinge
    Well done on being Debt free!
    Living in a superhero induced haze
    "You did good Kidda!"
    • Jessy103
    • By Jessy103 8th Feb 18, 1:36 PM
    • 522 Posts
    • 2,212 Thanks
    Jessy103
    Congratulations Kirsty! That's fantastic news!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount Jan 2018 - £58,500.00
    Overpayment Target for 2018 - £5,000 /£663.78
    Jan - £369.23 Feb - £294.55
    • kirtsypoos
    • By kirtsypoos 8th Feb 18, 7:20 PM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Thanks all!

    I was on quite a cloud yesterday

    So much so that I forgot to mention that I had a response from the energy ombudsman....long and short of it is that I've got almost £300 off the bill for various reasons, inaccurate back billing, refund for standard tariff error and a goodwill gesture
    Only to find late last night that all the meter readings were incorrect and we owe WAY more than I had calculated pretty much going to wipe out our savings. One step forward and 2 steps back

    We will work it out, but such a bl**dy pain!

    Had a lovely lunch bought for me today thanks to my little sister, discussing bridesmaid dresses and spending time with the little one was very much needed.
    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 11th Feb 18, 4:41 PM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Oh the British Gas saga continues! I suspect we have either a gas leak or someone elses house has been connected to our supply - our readings have been as below:

    Dec 16 - 11328
    Feb 17 - 11512
    Sept 17 - 12120
    Dec 17 - 13009
    Jan 18 - 14771

    How is it possible for there to have been such a huge jump in the last couple of months? So the British Gas issue isn't going to be resolved at any point soon. Pain in the backside!!

    In other news I had a baby shower yesterday, organised by my mom and I knew nothing about it except the date - it turned out to be afternoon tea at a local cafe which had previously been a train station - very quaint and pretty and it was lovely. Very small inside which made it difficult to get to talk to everyone and I felt like I hadn't really had much time with people but it was lovely, and donut was very spoilt!

    6 weeks to go now, it's scarily close!

    We've had visitors over the weekend - OHs friend from NZ and his wife arrived on Friday evening and went to a family birthday party yesterday morning so we had a nice time at the baby shower with them, then my parents and Grandparents came home with us to watch me open presents, did some nibbly dinner bits and then we've nipped into town with them this morning - bought OH a 2nd hand PS4 game that he wanted as his V day present so that at least is sorted, and within budget

    Sister has found a bridesmaid dress that she loves and luckily we all love it too so I'm relieved about that, as was dreading a horrible dress Sister also did my hair on Friday afternoon ready for baby shower and also changed it back from blond to nearer my natural colour so I've got less upkeep when baby arrives. I love it, it's now dark with a touch of purple to it and everyone has said it's the best it's ever looked

    Hope everyone is having a fab weekend, they go way too quickly! 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
    • sashybo
    • By sashybo 11th Feb 18, 5:03 PM
    • 2,610 Posts
    • 19,809 Thanks
    sashybo
    Oh what a pain with the gas Kirsty! You're right that huge jump can't be right & not something you really need right now. I take it they're going to investigate?

    Glad you enjoyed your baby shower & bet you can't wait for your boy to arrive. I know so many girls expecting babies, I'm going to end up getting broody again soon.

    Good that the bridesmaid dress is nice too. I just let my sister pick hers for my wedding as we have such different taste in clothes that she would have hated anything I picked so no point.
    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.
    • WannabeFree
    • By WannabeFree 11th Feb 18, 5:04 PM
    • 1,120 Posts
    • 9,156 Thanks
    WannabeFree
    Sounds like a brilliant weekend Kirsty and a lovely thoughtful Baby shower.

    6 weeks

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • kirtsypoos
    • By kirtsypoos 12th Feb 18, 10:53 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    It's driving me round the bend Sashy - I'm still waiting for them to come back to me to tell me what they are going to do. Hopefully it isn't as bad as it first sounded but I'm still not looking forward to it!

    Lots of my friends with under 1's are saying how broody they are getting - and I'm all for encouraging extra babies (as long as they can afford it of course )

    I still can't believe my baby shower is over - I had the date in my head as the start of the countdown but I thought it would take ages to come round, not as quick as it did!

    Have an appt with diabetic team tomorrow and am worried they will be putting me on insulin as my morning fasting numbers aren't very good at the moment at all and I'm already on the max dose of the other drug they give to regulate. At least it will only be for 6 weeks, but i HATE needles and self injecting fills me with dread!

    2 more weeks left at work now, not that I'm counting down the minutes at all
    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 12th Feb 18, 12:26 PM
    • 4,359 Posts
    • 14,380 Thanks
    abba1772
    Glad you enjoyed your baby shower your pregnancy seems to have flown in can't believe you only have 6 weeks to go 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
    • kindofagilr
    • By kindofagilr 12th Feb 18, 1:25 PM
    • 6,160 Posts
    • 20,695 Thanks
    kindofagilr
    Well done Kirsty, you have done absolutely amazing, I would be crying too, very well done xx
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18 ~ 2.13% Paid

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£10,000
    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£85,616.56 (as of 31/01/18) ~ 17.99% Paid

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 14th Feb 18, 10:54 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Thanks Abba - some days I think it has flown and others it seems like forever ago that I was weeing on that little stick

    Thanks KOAG I'm still thrilled about it, despite all the not so great goings on with British Gas and the below issues....

    I only have 5 mornings left at work but today is a doozy

    Walked in to the news one of our vans had been stolen. We haven't had this before so I wasn't 100% of the insurance procedure so was trying to deal with Director, police, insurance and tracker company trying to locate the vehicle. Whoever has taken it appears to be a pro - found the tracker, stripped it out and threw it in a field along with identifying items

    Even more annoying is that the vehicle was supposed to be safely locked up in the yard but one of our idiot lads decided to take it home as it was easier than getting his driver to drop him off

    The ongoing headache that I have is obviously stress related as after the worry of this morning I can't see out of m left eye because of the floating spots again

    In non-MSE news I've made a payment to spendy CC to cover a patiolock I have ordered - there have been 5 robberies on our estate in the last week where they have gained entry via the rubbish patio door locks and when OH is out of the house at kung fu until 11PM I feel a bit isolated and it has scared me. I don't like using savings but I'm happy to spent this for the peace of mind. I know if someone is determined to get in they will, but I'm happy with an extra deterrent.

    What a couple of days!

    Went to diabetic check yesterday though and they are reasonably happy with my tolerances even though they are on the way up, so no insulin for now xx
    Last edited by kirtsypoos; 14-02-2018 at 11:24 AM.
    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 14th Feb 18, 11:10 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    I forgot to say that I made another mortgage OP this morning, bringing us down to £159,500 - so close to my target

    Also passed the £3k OP mark which is very exciting, and our daily interest is down from £11.80 to £11.37.
    Saving 43p a day sounds like very little, but it's not to be sniffed at when you work out that over the course of the remaining 4 years of our fix, even if we made no more OPs (yeah right!) we would have saved £686.20 in interest xx
    Last edited by kirtsypoos; 14-02-2018 at 12:12 PM. Reason: Awful spelling!!
    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 14th Feb 18, 11:58 AM
    • 4,359 Posts
    • 14,380 Thanks
    abba1772
    That's good news about not getting insulin

    That's a great saving in interest kirtsypoos 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
    • ch4rly2002
    • By ch4rly2002 14th Feb 18, 3:29 PM
    • 348 Posts
    • 1,438 Thanks
    ch4rly2002
    HI Kirstypoos. I recently discovered your diary and have started reading it from day 1. I have just finished page 19 (so still a long way to go), but I noticed in your signature that you'd almost cleared your debt, then it changed to 100% cleared so I thought I'd skip ahead to see your recent post announcing you are debt free. When I saw that you are having a baby next month I actually cried because I am so happy for you! Right, now off to start page 20 and catch up the long way round
    Savings: Aim £13.5k. Dec 2016 £1,700 / Feb 2018 £12,350
    Mortgage: Dec 2014 -£216,000 / Feb 2018 -£192,200
    BTL Mortgage: Dec 2014 -£136,000/ Feb 2018 -£123,400
    CC 0%: Nov 2016 -£4,500 / Feb 2018 -£3,368.27
    Loan to In-Laws: Sep 2010 -£48,185.82 / Feb 2018 -£30,315.49
    Student Loan: March 2011 -£18,275.04 / April 2017 -£14,003.85
    • kirtsypoos
    • By kirtsypoos 15th Feb 18, 3:10 PM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Wow Ch4rly, that's commitment! Thank you so much for reading along my ramblings, and for having me in tears again - although with the hormones that is a daily occurence! I've been a lurker on your diary for a while and was sorry to hear about the problems you were having with house sale/purchase, it is SO frustrating so I'm glad your seller is pulling her finger out Fingers crossed your dads visit goes well too, such a pain for them to delay it though.

    I love working out the interest savings Abba, I'm so sad but I don't even care

    I managed to leave work only half an hour after I was due to today - it's progress

    One of OHs friends has bought a poster off me that we had accidentally bought 2 of so he will be transferring £40 to me next week to cover the cost and postage which is a bonus. I bought some fillet steak from Marks and Sparks for valentines dinner but I didn't feel well so OH ate them both He made me a lovely wire heart with clips for photographs and a lovely letter attached to it, which made me cry (there is a theme here at the moment )

    I'm going to have a nap now, if I can sleep - night times are difficult at the moment so afternoon naps are the way forward. I feel like such a nana! 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
    • sashybo
    • By sashybo 16th Feb 18, 12:39 AM
    • 2,610 Posts
    • 19,809 Thanks
    sashybo
    Well done on the mortgage OP's Kirsty, I'm jealous!

    Enjoy allll the naps you can right now, I used to come home from work & just nap on the couch, it was great! To be honest I sometimes still nap when DS does, especially when he's up & down all night with teething. I miss sleeping right through the night.
    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.
    • kirtsypoos
    • By kirtsypoos 16th Feb 18, 9:53 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Thanks Sashy - they will be almost extinct after March so I want to try and get them in ASAP - although apparently baby brain is worse than thought as I had an email for car insurance renewal this morning which I had forgotten about - this goes on a 0% card and is paid off over the year. Paid it very early this year and had FORGOTTEN to budget for the money CC payments next year

    I'm still concerned about how we will cope on maternity pay too. Going from a fairly decent wage for me down to £540 a month is NOT going to be easy. I have budgeted to my hearts content but until baby arrives it's all guesswork really... scary thought!

    Naps are definitely the way forward. By the time 1pm rolls around I can barely keep my eyes open

    Am currently on countdown for both finishing work properly and my next scan to make sure he is still growing ok and find out about induction plans - now THAT is scary. Exciting too though. I can't wait to meet him and see what he looks like

    With the car insurance fiasco I may not be making many more OPs at the moment.... how frustrating! 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
    • sashybo
    • By sashybo 17th Feb 18, 10:31 PM
    • 2,610 Posts
    • 19,809 Thanks
    sashybo
    SMP was a big shock for me after my usual wage & I don't have a mega high wage or anything. I suppose it's better than nothing though (which is what I'm on now hence my KIT day next week).

    Not long to go, it will fly in. I'm sure the induction plans will be fine, I think the thought of it is worse than the reality & you know when it's happening you won't care how labour began, you'll just want to meet your baby. I think I wasted my time worrying about being induced etc, in the big picture it doesn't really matter but at the time it can feel all-consuming.
    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.
    • kirtsypoos
    • By kirtsypoos 18th Feb 18, 11:57 AM
    • 3,303 Posts
    • 14,643 Thanks
    kirtsypoos
    Dragged OH to a birth partners preparation class yesterday, which he actually didn't moan too much about, win! It was really interesting - run by the lady who does my pregnancy yoga and she really focused on why men struggle with birth and the evolutionary reasons behind it, so I think it helped both of us. Only time will tell!

    I'm absolutely dreading my first SMP payment as I know that will be the point that I'm likely to panic. I know I can make it work but to 'lose' over £1200 a month from the budget is so scary.

    I'm doing some prep things at the moment like raspberry leaf tea and spending lots of time on my ball because I'd like to try and go naturally, will have to see if Donut agrees with me though....if he's anyting like his Dad he will be super late as he will be far too laid back to rush anything Either way the session yesterday really helped me to see that whatever happens, it will be worth it and there is no such thing as the perfect labour and birth.

    A car on the estate was deliberately driven into last night - the owner has posted CCTV footage on our FB group and it's such a strange video, the offending car drove round the block a few times and kept reversing up to the now damaged car until they drive round again and just straight into it. Not sure what the purpose of that is but I really am getting a bit worried about all the local crime happening. OH went up to bed before me last night and was asleep when I went up, I lay there for an hour convincing myself I could hear noises downstairs Not helpful for sleep! Probably also not helpful that I'm obsessed with crime dramas and documentaries at the moment
    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
    • sashybo
    • By sashybo 18th Feb 18, 3:13 PM
    • 2,610 Posts
    • 19,809 Thanks
    sashybo
    Glad you felt the class was worth it Kirsty. I thought my DH would flap and/or not be bothered/playing on his phone etc but he was actually really good & got involved.

    I must admit there were a couple of times he annoyed me & if looks could kill he would have been dead but overall he was great. He, in turn, was amazed that I didn't swear at him & was actually quite nice to him. Must have been the drugs.

    That's quite weird about the car on your estate. Try not to worry though as it seems to have been someone targeting that particular car. Maybe the owner annoyed some strange person??
    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.
    • JoJoC
    • By JoJoC 19th Feb 18, 10:12 AM
    • 1,545 Posts
    • 5,398 Thanks
    JoJoC
    Hi, just stopping by to comment for a change - I'm normally just a reader of your diary.

    I wanted to reassure you RE: the SMP payments. I've had two little ones, so two lots of mat leave and both times I was on basic SMP. First time, I had a really small amount of savings behind me and second time was a surprise pregnancy and we were in the midst of moving house so we had spent all of our savings!

    You can and will get through it. You are debt free, you're overpaying into your mortgage and you've got your head screwed on when it comes to money so I have no doubt that you'll manage.

    We came out of mat leave #2 with a little bit of extra debt but overall we managed. It was childcare for 2 that crippled us WAY more than mat leave!

    Good luck with it all
    CC1: £3804.52 / £3544.32 £300.20 paid | CC2:£5027.53 / £4781 £295 paid | Loan: £15,000 / £11,954 (£3,156 paid)

    July debt total: £23,832.05 | New debt total: £20,129 | Total debt paid: £3,703 (16%)
    *My debt busting and savings diary*
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