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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,423Posts
    • 14,977Thanks
    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 96
    • enthusiasticsaver
    • By enthusiasticsaver 7th Mar 18, 4:54 PM
    • 6,394 Posts
    • 13,126 Thanks
    enthusiasticsaver
    It's so lovely to see and feel all the baby items though! I love folding the little socks, for some reason that brings home how little he will be, even if he's a big baby

    My sister is finding it easy knowing she is having DD2, going through all DD1s clothes and knowing she has very little that she needs to buy - much cheaper! Hopefully we are both set from now on because if we ever have a girl, sister will pass on her items and if they have a boy they can have donuts clothes so spends for future children should be minimal - well planned
    Originally posted by kirtsypoos
    Yes, you have planned that well

    How did the monitoring go yesterday? Hope your diabetes is not giving you too much grief. You sound very organised anyway.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, 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 8th Mar 18, 12:05 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Monitoring went fine, he just seems to have turned towards my placenta which has reduced the movements that I can feel.

    I'm doing some more sorting of baby clothes today - 9-12 month stuff today which is being cleaned, sorted, folded and vacuum packed ready for when he needs it. All other sizes have been sorted and folded and hung or vacuum packed already

    My friend is coming over with her 5 month old for a coffee too, it will be lovely to have baby cuddles and a catch up

    Getting nervous about tomorrow. I'm keeping everything crossed that he is starting to move down and we can look at a date for induction as I'm barely sleeping worrying about how my sugars are affecting him and the increased fluid is causing more worry. If I have a date to look to, I know I will feel more in control, if that makes sense?! 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 - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • abba1772
    • By abba1772 8th Mar 18, 12:43 PM
    • 4,735 Posts
    • 16,277 Thanks
    abba1772
    It makes perfect sense like the end is in sight for you and your baby boy 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 £4152.74
    • enthusiasticsaver
    • By enthusiasticsaver 8th Mar 18, 2:08 PM
    • 6,394 Posts
    • 13,126 Thanks
    enthusiasticsaver
    Yes that makes sense considering the worry of your GD. Hope you get a date soonish. It is a shame you cannot feel movements as easily as I found that quite reassuring. He will soon be here hopefully.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, 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 8th Mar 18, 4:12 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Well I've done a bit of cleaning and my friend came for a quick coffee....three hours later we were still nattering while I had lots of baby cuddles I'm now knackered and want to nap!

    Finally got my physio referral for my pelvis through today - 5 days before my due date what is the point?! 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 - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • kirtsypoos
    • By kirtsypoos 9th Mar 18, 8:29 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Well today went better than I could have hoped for - turns out my cervix has already started prepping and I am 2cm dilated already. If nothing happens over the weekend, I will be induced early next week!

    Today has been a mass panic and hive of activity - I've (with help from my mom) been to sainsbobs, got hospital snacks and magazines, done a couple of batch cooks, cleaned, repacked my hospital bag, repacked donuts bag, put the next to me crib up, made the moses basket up, and the bouncer. Got the steriliser out and ready and my Dad has put some shelves up in Donuts room. I'm exhausted but feeling a bit more prepared!

    Now I'm off to make lists for the rest of the weekend, wish me luck!! 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 - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • abba1772
    • By abba1772 9th Mar 18, 9:22 PM
    • 4,735 Posts
    • 16,277 Thanks
    abba1772
    Omg omg omg how exiting

    You've been busy as well remember to rest when you can cause you'll soon be run off your feet with your little bundle of blue 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 £4152.74
    • sashybo
    • By sashybo 9th Mar 18, 10:07 PM
    • 2,761 Posts
    • 20,489 Thanks
    sashybo
    Hopefully not too long to wait then, hope everything goes smoothly for you.

    This time next week you'll be cuddling your baby.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,362 extra paid off debt. Total Debt paid off £50,880
    Loan £2328.49, CC 0% BT £1200, Car loans £22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • enthusiasticsaver
    • By enthusiasticsaver 9th Mar 18, 10:20 PM
    • 6,394 Posts
    • 13,126 Thanks
    enthusiasticsaver
    Hopefully not too long now then. Make sure you rest lots too.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, 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 10th Mar 18, 9:16 AM
    • 2,965 Posts
    • 30,469 Thanks
    XSpender
    How exciting! Not long to go now....
    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/£0
    Target Debt Virgin (Me) Part 2 £1038/£995
    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, £46,093.32 @ 18.05.18
    • kirtsypoos
    • By kirtsypoos 10th Mar 18, 10:32 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Thanks all! I'm excited but extremely nervous at the moment, not really about labour funnily enough, more that it will all kick off before I finish my lists I've got the biggest list of stuff to do over the weekend

    I'm off to make a nice mortgage OP to hit my before baby target....this is a real stretch because I had planned to have a few more weeks yet, but such is life, I will make it work!! 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 - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • PositiveBalance
    • By PositiveBalance 10th Mar 18, 8:03 PM
    • 711 Posts
    • 3,636 Thanks
    PositiveBalance
    Gosh, it's so near you can practically taste it!

    If you go quiet for a few days, we know where you will be!
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £3818.43
    Emergency Fund (#187): £0/£1000
    Terrimundi: fleeced!
    • kirtsypoos
    • By kirtsypoos 10th Mar 18, 8:33 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    You will indeed PB - you guys on here know more than anyone, I'm not telling anyone about the induction because I don't want constant messages asking how we are getting on to me or OH!

    I've made the mortgage OP so we are now officially going to be under £159k when the interest gets added on on 14th March Hopefully I'll have a baby by then, but either way we will not go over £159k again

    My list is getting smaller...but not by much!! OH is being pretty useless! I did a list, did 4 things on it and then went for lunch with my Mom, sister and niece. I expected OH to do at least 2 or 3 things being as I spent all day yesterday running round like a blue arsed fly but when I came back he was on the sofa and hadn't ticked a single thing off
    Not the time to be winding me up!! He then said he had a headache so I sent him for a half an hour lie down with some paracetamol... 3 hours later he surfaced after 2 wake ups from me. Annoyed is an understatement when there is still baby stuff to do!!

    I'm leaving my list for now as I've got a nasty headache and I'm going to have a bath and get an early night. Wish me luck! 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 - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • sashybo
    • By sashybo 10th Mar 18, 8:55 PM
    • 2,761 Posts
    • 20,489 Thanks
    sashybo
    Enjoy your bath & hope you get a nice sleep.

    Sorry to hear OH is being a pain, give him a (metaphorical) kick up the bum but try not to stress out. You can only do what you can do & if he won't help you now, he'll just have to do it himself later.

    I say that but know how you feel, I've been losing the rag with DH leaving stuff lying all over the house for days instead of just putting it back where he found it once he's finished with it.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,362 extra paid off debt. Total Debt paid off £50,880
    Loan £2328.49, CC 0% BT £1200, Car loans £22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • crunch_time
    • By crunch_time 11th Mar 18, 10:04 PM
    • 1,115 Posts
    • 3,333 Thanks
    crunch_time
    Just wanted to say how pleased I am for you and wish you well for the birth!!

    Can't wait to hear news of the little man and hope he arrives smoothly for you!

    (PS - my husband was useless before my first was born and now he is brilliant. He didn't even bother to test the car seat fitted into our car before DS was born. Guess what? The seatbelt in our car was too short to get around it so I had to call my dad to take us home and while we were waiting DS needed feeding - lots of crying int he hospital car park and no magical taking home moment. I think that was husbands wake up moment.)

    Crunchy xx
    LBM 16/6/14 £23,555 Paid off April 2017!! Debt as of 11/4/2018.......
    HSBC CC Me 0% - £2024/£1964
    Sains CC Husband 0% - £4257/£4177
    Sains CC me 0% - £2508/£2508
    Overdraft - £1100/£1100
    • kirtsypoos
    • By kirtsypoos 11th Mar 18, 10:16 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Thanks Sashy, he has been much better today, and done everything Iíve asked and more so he has redeemed himself!

    Iím now having a nightmare with his work though, who are useless! His paternity leave canít start until the baby is born so the first day (of induction) he wants to take emergency unpaid leave. Iíve looked into it and Iím pretty sure heís entitled to but his boss is adamant his paternity leave starts the day I am induced, meaning less time at home with me and Donut. I need to write an email to his boss explaining that he is wrong but without putting what I want to, which is pretty rude given Iím hormonal, overtired and worried about the induction

    Thanks crunchy, Iím hoping it is fairly smooth being as my body has already started doing the bit that takes the time but we will soon find out!

    Hospital bags are double checked ready, along with an extra bag in case of an extended stay.

    Iím glad that was your DHs wake up call, sounds very stressful at a time when you need minimal stress! OH has been pretty good with the practical stuff, car seat went in earlier this week and he has familiarised himself with putting it in and taking it out so hopefully that will be a load off my mind.

    I must admit to planning something terribly un-mse as Iím determined to have the bounty shoot done and buy a couple of the pics if I like them. Iíve got money set aside for it so itís not out of budget, but I keep having guilt pants for being willing to be suckered in to something like that - on the whole I think itís terrible to have a captive, emotionally highly strung and in pain bunch of women and show them beautiful photos of their brand new babies which cost a fortune...but it doesnít stop me wanting some done

    Thereís nothing much to report now as I have emptied the PADing pot to make the mortgage OP so no change to any figures until next week at the earliest, unless I can convince OH that he wants to do some Tilly tidying 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 - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • kirtsypoos
    • By kirtsypoos 11th Mar 18, 10:17 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    PS sashy, I hope DH has been behaving after you having to lose your rag - it!!!8217;s so frustrating isn!!!8217;t it?! Men!!
    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
    • sashybo
    • By sashybo 11th Mar 18, 10:50 PM
    • 2,761 Posts
    • 20,489 Thanks
    sashybo
    Glad to hear OH has behaved today. My DH has been very good & taken all his junk back out to the garage. Yes very frustrating to have to lose my temper, although I've found leading by example can sometimes work.

    Sorry to hear about OH's work, what a pain! Hope you get it sorted, doesn't he have an HR person he can refer this to rather than you having to do it?

    Don't feel guilty about the photos, although this wasn't a thing when I had DS. There was a bounty lady who gave me a bag of stuff & took my details because I didn't have the energy to tell her to s*d off but no photos thankfully. I agree it is pretty bad on the captive audience front though.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,362 extra paid off debt. Total Debt paid off £50,880
    Loan £2328.49, CC 0% BT £1200, Car loans £22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • abba1772
    • By abba1772 12th Mar 18, 2:46 PM
    • 4,735 Posts
    • 16,277 Thanks
    abba1772
    Glad oh stepped up........wishing you a smooth birth for your little man 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 £4152.74
    • sashybo
    • By sashybo 13th Mar 18, 8:01 PM
    • 2,761 Posts
    • 20,489 Thanks
    sashybo
    Ooh Kirsty, you've not been around for a couple of days, exciting. Hope everything is going great for you (or it may even all be over with now).
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,362 extra paid off debt. Total Debt paid off £50,880
    Loan £2328.49, CC 0% BT £1200, Car loans £22,591.72

    Have a Debt Free Diary to try & keep spending in check.
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