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Main site > Forums > Essential Money > Debt-Free Wannabe > Debt Free Diaries > I WILL get there!!
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      kirtsypoos
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    • By kirtsypoos 24th Jul 15, 12:08 PM
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      What's this?

    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

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Page 68
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    • By abba1772 2nd Jun 17, 7:34 PM
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      What's this?

    abba1772
    I love pa but my issue is im not getting a lot of surveys for use with my iPad xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4012.74

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    • By kirtsypoos 2nd Jun 17, 7:42 PM
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      What's this?

    kirtsypoos
    That's a shame abba, it can be so lucrative when you are eligible can't it? x
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By abba1772 2nd Jun 17, 7:45 PM
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      What's this?

    abba1772
    “
    That's a shame abba, it can be so lucrative when you are eligible can't it? x
    Originally posted by kirtsypoos ”

    I hate dragging the laptop out as it old and as soon as the cable falls out the laptop goes off.........will be putting my avon through tonight so I might nip on and complete the couple of surveys I have on there xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4012.74

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    • By Tinkerbelle2000 4th Jun 17, 10:36 PM
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      What's this?

    Tinkerbelle2000
    Hi Kirsty

    Am I the only one who gets no surveys on PA I keep having a look in there but there is still nothing and you are doing really well at it. Do you think I have done something wrong.

    I wish I could come help with your garden, I'm in need of a weeding fix lol. Mum keeps the garden pretty basic here so not too much weeding to do. I need to get stuck in to some, its like therapy for me lol.

    I'm in single figures now with my debt and hopefully I will have paid another £3k+ by the end of the year.

    Hope you are both keeping well.

    Tink xx
    As of 1st January 2018:-
    DEBT 1-£38.96 DEBT 2-£45.00/£141.10 DEBT 3-£0/£297.00DEBT 4 - £5.00/£644.12
    DEBT 5-£0/£700.00 DEBT 6-£5.00/£720.02 DEBT 7-£100/£1479.65 DEBT 8-£53.20/£1576.80
    DEBT 9-£0/£1622.49 DEBT 10-£0/£2300.00 DEBT 11-£118.57/£2722.44 DEBT 12-£0/£4349.39
    EMERGENCY FUND - £10/£1000

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    • By kirtsypoos 5th Jun 17, 10:53 AM
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      What's this?

    kirtsypoos
    I seem to get loads tink, but to be honest I check on my breaks during the day and I get more then, hardly ever any of an evening. Although I'm doing a £10 one at the moment which needs a survey every night before bed.

    I wish you could too I bloody hate gardening and the weeds are up to my waist and higher in places - I try to imagine that it's like walking through a field of wildflowers but in reality it's just a mess You're doing so well on the debt busting too - I love that you've got all payments planned out for the year - so satisfying to look at what the figure will be in just a few months.

    I've got a few bits ending on ebay tonight - only 1 with bids on at the moment though. I prefer BIN but thought I'd give auctions a go again - wish I hadn't!

    I've totted up my mortgage OPs so far - in 6 months I've Op'd by £1000 I'm thrilled with that, it doesn't seem like a lot when I'm doing it, but bits here and there are really making a difference. Still aiming to get OHs card under £1000 by the end of June - his DD comes out for £75 tomorrow and I'm keeping all my PA and ebay monies to one side for paying extra on this. We've also got a friends wedding in August and I'm hoping to cover their gift (they have asked for cash towards honeymoon) with survey sites - hopefully YG will have hit payout by then, it's soooo slow! I said last time I was done with it but soon got dragged back in. Payout twice a year is just not fun in my opinion but hey, it's still £100 a year I wouldn't normally have

    K x
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By kirtsypoos 6th Jun 17, 9:48 AM
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      What's this?

    kirtsypoos
    Sold some bits and pieces on the bay of e last night thanks to the £1 final value fees offer made a nice chunk so I've sent £101 to OHs BC and I've hit the June target!! It now stands at £999 and I'm planning the next target

    I've got a lot of parcelling up to do thanks to all auctions finishing in one night and all buyers paying straight away.

    I'm at an exhibition with work tomorrow and I can't say I'm looking forward to it - I'm not a massive fan of these things, I feel really awkward - I can wax lyrical about the company and about asbestos but I'm not a natural saleswoman I'll be pleased when it's over! The upside is I put one of our trainees forward for a trainee of the year award and he's been shortlisted! He will get a little trophy, certificate and a gift card. I'm really pleased as he is one of our best lads already and he's only been here a year

    Still no luck with YG surveys but PA is still going well - I've got £12 payable and £10 pending so hopefully another payout next week - I'm averaging 1 payout every 2 weeks, usually about £20 per payout so it's definitely more worth my time than swagbucks, YG or OW 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 - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By monz 6th Jun 17, 11:31 AM
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      What's this?

    monz
    Kirsty I love you for PA lol! Not even two weeks and at £28 made xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 200/300, Belfast 10/500 (£252 for apart
    ment)

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    • By monz 12th Jun 17, 9:34 AM
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      What's this?

    monz
    I see you been posting in the pay off your debt. Hope you are well xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 200/300, Belfast 10/500 (£252 for apart
    ment)

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    • By kirtsypoos 12th Jun 17, 11:33 AM
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      What's this?

    kirtsypoos
    I have Monz, have been rubbish at posting on here again - and I was doing so well!

    There's not all that much to report really so a bit quiet on the money front - there are DDs going to the NZ credit card but as we have the money in savings to cover, I don't feel like that's really paying off debt properly per se!

    I have sorted OHs 30th present, I'm taking him away for a few days. I won't say where on here as I know he knows I have a diary - he isn't as nosy as me but I still don't want him stumbling across it
    I'm happy with the deal I got and the place looks nice so all go for his birthday now

    My mom is having bowel surgery today so I'm glued to my phone until I know she is out and ok - she doesn't react well the aneasthetics so it's always a worry.

    I'm looking after the tiny niece on Wednesday as it's my moms day to have her and she isn't going to be in a fit state, it's not for a nice reason but I'm so pleased I'll get some time with the little terror
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By Hiddenidenity 12th Jun 17, 12:14 PM
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      What's this?

    Hiddenidenity
    Hope everything goes okay with your mum x

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    • By kirtsypoos 12th Jun 17, 12:32 PM
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      What's this?

    kirtsypoos
    Thanks HI - she's out of theatre so one hurdle out of the way, just need her to come round properly and without doing an impression of the exorcist sickness as she normally does - we want her to come home ASAP and she usually ends up staying in because her BP isn't stable, oxygen sats drop and she's violently sick for hours x
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By abba1772 12th Jun 17, 1:23 PM
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      What's this?

    abba1772
    Glad to hear your mums surgery went well xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4012.74

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    • By kirtsypoos 12th Jun 17, 1:35 PM
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      What's this?

    kirtsypoos
    Thanks Abba x
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By monz 12th Jun 17, 2:39 PM
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      What's this?

    monz
    Fingers crossed for your mum and hope recovery is safe for her <3

    Mail me where you are going... I am a nosey sod xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 200/300, Belfast 10/500 (£252 for apart
    ment)

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    • By XSpender 12th Jun 17, 4:08 PM
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      What's this?

    XSpender
    I hope your mum has a speedy recovery.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18

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    • By kirtsypoos 12th Jun 17, 4:16 PM
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      What's this?

    kirtsypoos
    Thanks XSpender - apparently she is much better this time around and hasn't had half of the usual anaesthetic related problems that she normally has
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By crazy_cat_lady 12th Jun 17, 7:26 PM
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      What's this?

    crazy_cat_lady
    Pleased to hear that your mum is doing ok this time round.
    DFD 6 Nov 15 - paid £28,447

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    • By Jessy103 13th Jun 17, 9:56 AM
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      What's this?

    Jessy103
    Best wishes to your mum and hope she's feeling better xxx
    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

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    • By kirtsypoos 13th Jun 17, 11:47 AM
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      What's this?

    kirtsypoos
    Thank you CCL and Jessy

    She's not doing as well today - she's very sore and feeling very sorry for herself. There are all sorts of things she's not allowed to do either - one of which is pick up the niece so she's very upset about that as niece adores her Nannie and won't understand why she can't have cuddles like she normally does.

    OHs best friend arrived last night as we are going to see the NZ rock band again tonight - I can't believe it but they are playing in our town at a local well known rock pub so we are looking forward to that. Hopefully the best friend is only here for a few days as he is back at work on Saturday I think.

    I've got another acupuncture session on Saturday and then I won't be able to go for a few weeks as we have a lot going on over weekends - day out at a food festival for a friends birthday, the nieces christening the following weekend then our trip then OHs birthday party. Busy time!! Not too much spending going on though thankfully - although I say that and it doesn't always go to plan. I feel like I have dropped the ball a bit now I'm so close to the end, not that I'm not making debt repayments, it's just more likely to go to the mortgage than the credit card at the moment. That's a much bigger amount to get rid of!
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

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    • By kirtsypoos 19th Jun 17, 1:20 PM
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      What's this?

    kirtsypoos
    Wow I am rubbish at updating!

    Last wednesday I looked after my niece and my mom for the day - and I'm not sure who was the worse behaved My mom doesn't do what she's told so whilst I was making nieces dinner and milk she kept picking her up she's only going to hurt herself but she won't listen!

    We went to see the rock band last Tuesday which was fab as always. They were playing at such a small venue that it was a bit of a sweat box by halfway through their set but it was enjoyable all the same. My dad came (his ticket was his fathers day present) and he enjoyed it too.

    We have decided to get our patio done. We have the money in savings but it is ear marked for the NZ flights. Flights are currently on a 0% card for 29 months so will be paid off in half that anyway but we are going to use some of the flight money to get the patio done. It's so lovely at the moment and we just have a mud pit so it's been thought out and planned. We aren't going for the most expensive slabs or anything silly like that, and a guy I work with will be doing it for us at mates rates so less than we had expected. Emergency fund will still be intact, along with almost half of the flight money so it's not dire straits. Decision made and I'm looking forward to having a garden we can use

    Sister and her OH completed on their house 10 days ago so there has been a lot of painting/wallpapering/building flatpack etc for them and my Dad but luckily for us we live a bit away so haven't been roped in too much

    'Spare' monies this month have been earmarked for our trip and for the NZ fund which is building nicely so any CC OPs will be from survey earnings etc. I like a challenge! Although I'm reluctant to part with PA money - I have over £60 sat in my circle account with another £22 ready to cash out but I don't want to

    I think that's a nice round up for last week so I'll endeavour to get back on this week and be better at updating!
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000

    Users saying Thanks (6)

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