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  • FIRST POST
    • evkizzy
    • By evkizzy 21st Jul 16, 5:13 PM
    • 128Posts
    • 697Thanks
    evkizzy
    Vegan, Bipolar and in Debt.
    • #1
    • 21st Jul 16, 5:13 PM
    Vegan, Bipolar and in Debt. 21st Jul 16 at 5:13 PM
    Hello to all who didn’t immediately judge me and hate the title of this thread!

    There are a lot of regular folk on these diaries and people who are in difficult employment/family/illness situations but as a fairly new member of this forum I have seen a gap. I am a vegan which means a lot of the branded products on offer are unsuitable for my lifestyle and I figured that by starting this diary I can open up a few eyes on more vegan/vegetarian specific offers from less well known retailers. I don’t know.

    I’m Evy (Evkizzy) and I’m self employed (read mostly unemployed with lots of odd jobs that I do) and I was diagnosed with Bipolar II in 2010. This illness is not as simple as people think. I’m not crazy happy or severely depressed. I’m a weird mix but for the most part I’m pretty ordinary. I am sometimes hyper but frustrated or lethargic and unable to make sensible decisions for myself which is one of the causes of me getting into silly debt. I also find that I have a lot of more older friends so when we go out I am an equal despite not being on anywhere near equal salaries. They understand and sometimes buy me drinks or treat me to dinner but I keep up where I can.

    I have a partner who is a great support and loves that I am creative (an artist and musician) and that I do a lot of work to make money that is non -committal so that I can manage my bipolar without getting overwhelmed all the time. We work really well together as a couple both romantically, supportively and financially as my SO has a good job and we agreed a percentage earnings system so whatever we earn, we work out the percentage and that’s how much we each contribute to the rent/bills/etc. except for gifts (he buys for his family and I buy for mine) and dates (he often pays but I make sure I take him out every now and then or treat him to free things like fancy dinners at home massages etc.)I’m paying about 20% of household costs as I only get working tax credits and a small amount of income from my jobs as an illustrator, life model and a PA (read private chef).

    We discussed buying a house since we moved in together just over 3 years ago but that isn’t even slightly realistic given that I have debts and, because of our percentage systems, mean that he doesn’t have much disposable income for saving left at the end of the month. He has a tiny debt on a credit card (a few hundred which is manageable for him as he only uses his card for big purchases (gig tickets and white goods which I pay half for so I am a real joint owner). To even begin to save we first have to get out of debt ("we" meaning mainly ‘me'). So lets break it down a bit.

    I have 2 credit cards and a loan. The loan was opened just over a year ago and it will be paid off in November/ December 2016. I am paying £200 p/m for this. My biggest issue is my credit cards. I have one at £2407.41 and another at £2029.34 (correct on 21/07/16). Both at 18.9% APR. I plan to pay an extra £100p/m to each card once my loan is payed off.

    I am 27 years old and will be 30 on the 26th October 2018. My plan is to be 100% debt free by then. It is do-able but I need to make sure I have some (cheap) fun along the way so I don’t go out of my mind. Here we go!!!!
    Last edited by evkizzy; 21-07-2016 at 5:21 PM.
Page 5
    • doingitanyway
    • By doingitanyway 4th Sep 16, 9:16 AM
    • 1,038 Posts
    • 4,228 Thanks
    doingitanyway
    You are back on form and so is Minky. Onwards and upwards
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Florence J
    • By Florence J 8th Sep 16, 12:34 PM
    • 827 Posts
    • 4,073 Thanks
    Florence J
    Hey Evkizzy, Just thought you would like to know that Alpro Almond milk is on offer for a pound in iceland. x
    Sealed Pot Challenge 9 #553 = £156.88
    Sealed Pot Challenge 10 #553
    2016: Sell £1000 #51 (£340.03/£1000)
    Completely Crazy Clothes Challenge 2016 = £300.44/£310
    Wombling free 2016 = £449.19
    • evkizzy
    • By evkizzy 13th Sep 16, 12:20 AM
    • 128 Posts
    • 697 Thanks
    evkizzy
    Thanks flo. I'm in Berlin right now but will check it out when I'm back. Also I have BIG news... will update when I get home tomorrow ....
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
    • Bobarella
    • By Bobarella 13th Sep 16, 7:29 AM
    • 8,044 Posts
    • 51,507 Thanks
    Bobarella
    Oooo exciting!!
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • evkizzy
    • By evkizzy 13th Sep 16, 9:49 PM
    • 128 Posts
    • 697 Thanks
    evkizzy
    After a week in Berlin, I'm finally home. And my news...? My SO proposed to me!!! I'm engaged!!! Whoohoo! :rofl:

    Need to get back on track for debt busting and make up for my MSE absence as I've got a wedding to plan... but not a penny will be spent on it until we're debt free! eeeep!

    6 years together and we're finally betrothed... with a diamond 9ct white gold ring and everything!
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
    • Bobarella
    • By Bobarella 13th Sep 16, 11:38 PM
    • 8,044 Posts
    • 51,507 Thanks
    Bobarella
    Congratulations!!
    £790 to pay =70% repaid
    RR 2016 #2 December £2.32 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,237.25 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • AspiringButAnxious
    • By AspiringButAnxious 14th Sep 16, 10:27 AM
    • 609 Posts
    • 2,285 Thanks
    AspiringButAnxious
    Congratulations
    Rainy day fund — 3.16/500 Emergency fund target — 500/1000 Nest egg — circa £40
    Loan — 3081/15,487 = 19.8% Fun fund: £0.05 Credit card balance — £900
    • reality_check
    • By reality_check 14th Sep 16, 10:48 AM
    • 383 Posts
    • 617 Thanks
    reality_check
    Congratulations!!! xxx
    • Florence J
    • By Florence J 14th Sep 16, 9:32 PM
    • 827 Posts
    • 4,073 Thanks
    Florence J
    Wooooooooooooooooooooooooo! Congratulations!!!!!!! x
    Sealed Pot Challenge 9 #553 = £156.88
    Sealed Pot Challenge 10 #553
    2016: Sell £1000 #51 (£340.03/£1000)
    Completely Crazy Clothes Challenge 2016 = £300.44/£310
    Wombling free 2016 = £449.19
    • crazy_cat_lady
    • By crazy_cat_lady 15th Sep 16, 9:13 PM
    • 3,004 Posts
    • 20,461 Thanks
    crazy_cat_lady
    Massive congratulations
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • evkizzy
    • By evkizzy 19th Sep 16, 2:22 AM
    • 128 Posts
    • 697 Thanks
    evkizzy
    Thank you all for the congrats.

    This month has pretty much gone out of the windows in terms of my goals as I went on holiday and came back to a last min catering event which left me no time to do my usual planning and comparing and couponing. This week is about readjusting. While trying to get out of holiday mode and back into MSE mode my fianc! (sorry it's new.. I'm just trying it out) got the flu and I've been batch cooking for a charity event so we've not even seen the family and friends yet.

    Today (Sunday) was my first time running a food stall and it was great fun. I sold out of food after 2 and a half hours. I made sundried tomato 'sos'age rolls, samosas, aubergine bhajis, an aubergine and pesto tart, a spicy Mexican tart and falafel and guacamole pitas (all sfv). I'm seriously considering looking into this as a very career move. I've been running my pop- up restaurant for 18 months with growing success and expanding into street food seems like a natural progression.
    For my M10AD it has made me £45 profit and if I ppan it properly and batch cook in bigger amounts I could save a lot more money on our regular shopping bills.

    I'm 3-4months away from paying off my loan which will free up some money to pay more towards my cc debt. It's a slow process but every little helps. Hope you had a great weekend. X
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
    • Huskyrunner
    • By Huskyrunner 19th Sep 16, 11:58 PM
    • 525 Posts
    • 859 Thanks
    Huskyrunner
    congrats on the proposal
    debts 16550
    Mortgage 69500
    • evkizzy
    • By evkizzy 20th Sep 16, 6:13 PM
    • 128 Posts
    • 697 Thanks
    evkizzy
    Total NSDs in September: 8 so far.
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
    • doingitanyway
    • By doingitanyway 21st Sep 16, 8:36 AM
    • 1,038 Posts
    • 4,228 Thanks
    doingitanyway
    I really like the sound of the food. street food sounds like a good idea. I'd buy the aubergine and pesto tart
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Jox
    • By Jox 21st Sep 16, 11:18 AM
    • 1,217 Posts
    • 2,579 Thanks
    Jox
    The food sounds yummy! Congrats on your engagement and well done on only having a few months left to pay the loan, you are doing so well!
    • evkizzy
    • By evkizzy 30th Sep 16, 1:26 AM
    • 128 Posts
    • 697 Thanks
    evkizzy
    It happened again. I blinked and everything changed.

    My partner got a new job a couple of months ago and I had a job so we reported it to HMRC and then I lost my job then as I was preparing for payday I got a letter saying that were no longer eligible (again) as my SO's wages went up. Despite this, we are in, fact around £300 a month worse off. I am personally in a lot of trouble. The loan that should take its last payment in January has been extended a month so I could take an emergency payment holiday. Would have taken £200.

    Minky's check up last week was awful. He's still not eating properly. The vet checked and his tooth that splintered had exposed nerves so it needs removing. They admitted him there and then, last Thursday and as he was on his way to surgery on Friday afternoon a drill broke so they sent him home with painkillers and rescheduled it for tomorrow (today 30th). SO is taking him on the way to work at 8am. Hope it all goes well for him. Though that's a £200 procedure without meds (So not what I needed right now!).

    My dad who owed me £400ish in July actually spent £650 and after months has finally got himself a part time job and somewhere to live. But he never did pay me back. Unfortunately his pirtion of my cc debt is preventing me from hitting the minimum payment and I have had to calculate his interest and add the charges to what he owes me. There's not much I can do. He's lent me money for years. Never asked for a penny and I always paid him back. One time he needs me and I offer to lend him money and he really can't do anything about it. He feels awful and already sold most of his stuff so he could afford to live and find work and send me £180 (so far). It's heartbreaking how much we can't help each other right now.
    I've spoken with a bank manager and have an appt. at 2pm on Tuesday to do a balance transfer at 0% for 24 months to reduce my min payments and try (somehow-I need money) to pay off the monster card with it's 40% APR.

    It's all becoming pretty unbearable right now. I'm not sleeping again which is a sign of returning hypermania. I've been to the doctors today and they've referred me to a dermatologist about a possibly pre-cancerous mole and single point of access team to see if I can get back to CBT for sleep and anxiey therapy.

    But I'm still engaged.
    Finally showed the mums and the MIL to be has started planning with me. I need to start dieting after Christmas to get wedding dress ready tor trying them on in Spring, then keep the weight off for a year or 2 for the actual wedding. It seems far away bit if I plan these things now I can achieve them easily. I've already switched my vices: fatty olives and hummus for jalapeños and fresh tomatoes. I've bought fruit to eat as my lazy food, instead of bread.

    Saving money and being savvy went out the window in September. October is a new month. I will make goals again and find new ways to make money. Cashed out £10 PayPal through SBs this week. I was determined not to do nothing. Hoping for a call about some life modelling soon to keep me a float. Luckily we have lots of food in and supper clubs coming up. Plus a free food feast-ival on Saturday so I'll be greatful for that.
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
    • Smolly
    • By Smolly 30th Sep 16, 10:48 AM
    • 179 Posts
    • 484 Thanks
    Smolly
    Hello evkizzy, just wanted to pop in and say hi. I have been following your thread for a while now - I always love reading your posts. They always seem so lively!

    Despite everything life seems to throw at you, you still seem really upbeat. Your post today is really positive and has cheered me up to get up off my own backside and get on with life.

    Congratulations on the engagement and good luck with everything xx
    LBM Jul 16 £26,823.83, Nov 16 £27,961.98
    EF #205 £0/£1000
    • evkizzy
    • By evkizzy 5th Oct 16, 3:49 PM
    • 128 Posts
    • 697 Thanks
    evkizzy
    Thanks Smolly.

    Minky went back in for his op on Friday morning (all went well). We invited our friends over after 2 months of not seeing them- due to us all going on holiday at different times. We drank booze that we had in- they brought mixers and paid for takeaway pizza. Which was great (cheap) fun and played instruments and had a proper knees-up.

    On Saturday I met up with a friend eho is moving back to the area (yay!) for a drink (she bought a bottle for us to share and I brought a bottle from home as my payment- this bartering is really great when you have understanding friends). We collected Minky from the vets (costing £235- which my SO has to put on his cc) and he was very loving and cuddly (from the drugs- haha!).
    That evening I hosted a supper club night but I had a guest chef do a raw food night so I only made £10 (organising/washing up fee). Everyone gave Minky cuddles and fusses throughout the night. Then Sunday the same friend who swapped me wine had free cinema tickets (from coupons) so treated me to Miss Peregrine's Home for Peculiar Children late morning. Then the SO and I had sfv mac n cheese and watched movies. I actually managed to sleep properly for a change which was useful as I had to let a handyman in at 9am to fix the gutters.

    The gutters were fixed with minimal fuss (landlord paid) while I tidied the house.

    Tuesday I visited the bank to see if I could do a 0% balance transfer (after being told I'm not eligible for months). I was able to move £600 from my 40% cc and it will be interest free for 16 months. It's not great but it's a huge chunk. (A dad debt size chunk so I can stop worrying that he's affecting my debt and get on with paying what I owe.) Told him that I need at lest £100 THIS WEEK! So hopefully he's scrimping to help me.

    The bank manager actually advised me to wait a few weeks and then ask my 40% cc if I can transfer £600 because then I'll not be paying interest on £1200 in total, just for moving money around. This will massively help me pay off the cards quicker, as long as I can get some actual cash coming in. I have supper club on Friday (hopefully I'll make some money) and a life modelling session next Wednesday (£20) then it's fingers crossed that I get money for my birthday. Though, a few people bought me clothes in August as I had nothing that fit and was desperate for socks and pjs. We'll just have to wait and see...
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
    • evkizzy
    • By evkizzy 7th Oct 16, 9:26 AM
    • 128 Posts
    • 697 Thanks
    evkizzy
    My partner rarely notices a manic episode coming on as he often sees it as me cheering up and becoming more productive but last night, in Tesco, I was struggling to focus on what I needed.

    I usually make a list then keep it in my pocket while I shop, then check at the end if I got everything. It's one of the ways I keep my memory recall sharp as BP (as well as being a mood disorder) is also a degenerative brain disorder.

    I was getting frustrated as I couldn't remember what I needed (and I'd left the list at home). Apparently my speech was disjointed and I was flipping between items I needed at opposite ends of the shop. He was great at getting me to focus and figured I could do without the stress of cooking while like this so bought us a chinese takeaway. He ordered enough to make sure I had leftovers for lunch today. (It's the small things that help the most.)

    Today is supper club day so I've written myself a clear (idiot proof) list of what to do and when so my whole day is planned for me, including time for a cuppa and a sit down.

    Right now I need to get myself into a routine and get up/go to bed at reasonable times while I look for work. I'm eating bananas and pineapple to try and boost my melatonin (sleep hormone) levels and drinking cardamom tea instead of coffee so I'm not so over stimulated when it gets to bed time.

    Sometimes just managing BP can be a full time job. Especially when I get no help financially or support from mental health services.

    There must be a better way to live and make money.
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
    • evkizzy
    • By evkizzy 10th Oct 16, 2:08 PM
    • 128 Posts
    • 697 Thanks
    evkizzy
    Supper Club went well. I made my £10 profit (washing up fee) and we raised £80 for the fountain fund. I'm so glad that the next one isn't a fundraiser. So I can actually keep all the profits. Plus it's a Halloween special which I love as it means making everything themed! I'm carving a marrow into an alligator head and making a cajun jambalaya/gumbo (not decided yet).

    I've made a few pennies from fans of my supper club through selling leftovers/readymeals. Which will help me decide how viable it'll be to start my own business in the new year.

    I currently have no idea how im surviving without money. I'm constantly terrified but hopeful that I'll figure something out.
    Ev Kizzy Make £10 A Day August Challenge: £364.54/£310
    Loan: remaining balance £771/ £3,500 CCs: paid £194.76/£4436.75
    NST No.17 for August.
    SPC9 - #554
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