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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 97
    • monz
    • By monz 14th Mar 18, 9:17 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    BTW Asda do amazing baby shoots and was like £10 they have props and that I done it with my boy when he was born plus always cracking deals on groupon xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (£252 for apart
    ment)
    • PositiveBalance
    • By PositiveBalance 14th Mar 18, 10:40 AM
    • 711 Posts
    • 3,638 Thanks
    PositiveBalance
    *Keeps fingers crossed*

    I hope you are keeping well and getting some sleep.

    The Donut Is Baked.
    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!
    • JoJoC
    • By JoJoC 14th Mar 18, 10:44 AM
    • 1,800 Posts
    • 6,585 Thanks
    JoJoC
    Another one stopping by to wish you luck when the time comes Looking forward to hearing your lovely news!

    Although I do have visions of you in your hospital bed in labour while balancing the books haha

    All the best.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
    • enthusiasticsaver
    • By enthusiasticsaver 14th Mar 18, 11:47 AM
    • 6,407 Posts
    • 13,188 Thanks
    enthusiasticsaver
    Good luck and look forward to hearing your news.

    I had to chuckle at Jojos comment about you balancing books while in labour.
    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 16th Mar 18, 9:54 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Hi all!

    A very quick update from me, and I'm not even going to pretend I am caught up on everyone's diaries because I am far too busy staring at my beautiful boy!!

    He was born on Tuesday, after a 24 hour labour. There were some complications and although he was born vaginally, I ended up in theatre for a complicated repair from some damage. I can honestly say though, it was worth every single second and I would do it again in a heartbeat! Some of the things I was petrified of ended up happening, and apart from a minor freak out I coped very well I think (not biased at all )

    Came home on Wednesday night at 9PM - postnatal care was awful and I have never been so glad to be home! Donut is perfect, amazing, beautiful and all those other words that can't come close to describing my boy

    Can you believe I have not even looked at my spreadsheet since Sunday I'm off to balance it whilst the baby naps so I don't have to think about it again for a few days - who'd have thought I'd be wanting to take time away from spreadsheet updating?!

    Thanks for the messages whilst I was AWOL - much appreciated 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
    • JoJoC
    • By JoJoC 16th Mar 18, 10:12 AM
    • 1,800 Posts
    • 6,585 Thanks
    JoJoC
    Fab news! Congratulations on your little guy arriving safely into the world!

    I knew you wouldn't be away from those spreadsheets for long

    Sorry it was a bit of a rough labour (I had two of those for various reasons) but you're right, it's so easy to look at that little face and all the pain just melts away.

    Enjoy the first few days of family time!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
    • Jabbythistle
    • By Jabbythistle 16th Mar 18, 10:54 AM
    • 5 Posts
    • 23 Thanks
    Jabbythistle
    Best news in the world - I am so very chuffed for you and your family. xxx
    If at first you don't succeed, keep on trying
    • abba1772
    • By abba1772 16th Mar 18, 12:00 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    Congratulations mummy

    Sorry to hear you have a rough time but so glad your baby boy is here safe and sound .......do you have a name for him yet????
    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
    • monz
    • By monz 16th Mar 18, 12:38 PM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    That has by far been quickest pregnancy ever!!! congrats on donut!!! xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (£252 for apart
    ment)
    • sashybo
    • By sashybo 16th Mar 18, 5:22 PM
    • 2,761 Posts
    • 20,492 Thanks
    sashybo
    Well done Kirsty!

    It's amazing what you can cope with when you have to, even when you don't think you can beforehand. Having a baby can be very self-affirming - if you can go through that you can go through anything & the prize at the end is well worth it.

    Enjoy cuddling the wee one & getting to know him. Sorry to hear the postnatal care wasn't great but at least you didn't have to stay in long. Hope your recovery goes smoothly.
    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 16th Mar 18, 5:28 PM
    • 6,407 Posts
    • 13,188 Thanks
    enthusiasticsaver
    Fantastic news and wonderful to hear your little one is safely here. Sorry about the rough labour and poor postnatal care and I am sorry to say but this seems to be more and more common now. You will soon forget all this though. Enjoy your boy.
    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
    • PositiveBalance
    • By PositiveBalance 18th Mar 18, 6:56 PM
    • 711 Posts
    • 3,638 Thanks
    PositiveBalance
    Massive congratulations on Donut's arrival.

    Enjoy - you have waited so very long for this!
    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 19th Mar 18, 11:15 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    We do have part of his name sorted Abba - will PM you

    Recovery continues! We had to take a trip to the hospital yesterday for donut to have a blood test as he has been quite jaundiced and it isn't getting any better. Whilst we were out we nipped to boots for some maternity pads, toothpaste for OH and a few bits for donut. Had a phone call to say his bilirubin levels were 259 which was 100 under the threshold for hospitalisation so that was a relief. Lots of time in the window for my little man

    So yesterday was our first trip out and it was lovely - bought him a little hat from Next too while we were out. Luckily I had a voucher from my boss for Boots which covered everything we bought and still has a nice amount leftover, and I had set up a little 'once he is born' fund so we could do things like buy something for him if we saw it and liked it, or to go out for a meal or 2 so we went to pizza hut on the way back - expensive but I had been craving pizza hut since before Christmas and couldn't have it with the GD. Bit of a letdown though - food was nice enough but we shared a cookie dough ice cream and it tasted salty! OH couldn't taste salt and my sister said her tastes were completely different for 6 weeks after the niece was born so hoping it will go back to normal soon

    My grandparents have come down to visit and spent a few hours with us on Saturday, plus are coming back for a few hours this afternoon and tomorrow afternoon before heading back home on Wednesday. We have booked the appointment to register him on Wednesday so we really need to agree on his full name ASAP
    They have given us a cheque for £500 to put into his bank account so he has what I have been saving, plus that nice little chunk of money - hopefully he will be sensible with it when the time comes but all I can do is try and teach him as best I can, the rest is up to him!

    Our microwave went bang on Friday, not helpful for the microwave sterilising unit (only for dummies luckily, we do have an electric one for everything else) so that wasn't exactly budgeted but I had a 20% off voucher from Very so ordered a new one which is due to arrive tomorrow. It was really strange, there had been loads of condensation inside when we used it for the last week but put it down to steriliser, then heard a bang and it won't work plus the glass plate inside has broken in 2 - no idea how!!

    Anyway, time for me to go and have some more cuddles 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
    • WannabeFree
    • By WannabeFree 19th Mar 18, 11:48 AM
    • 1,536 Posts
    • 13,289 Thanks
    WannabeFree
    Huge congratulations Kirsty. I am so happy for you

    Enjoy every minute it goes so quickly

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • enthusiasticsaver
    • By enthusiasticsaver 19th Mar 18, 1:10 PM
    • 6,407 Posts
    • 13,188 Thanks
    enthusiasticsaver
    You sound like you are getting on well. My granddaughter was born at 37 weeks and a bit jaundiced so had to go under a special light for a day or so. I think it is very common with preterm babies although I know technically 37 weeks is term.

    Re the money for donut. My DD and son in law opened a JISA for our DGD when she was born and we both put money in monthly. I think the other grandparents do too. This means by the time she is 18 there will be a lot there. I know my DD is concerned she does not have access to huge sums of money at 18 but I pointed out we gave her a large lump sum before uni and she still had it and more afterwards. She is a saver not a spender so hopefully DGD will be the same. All you can do is teach your son the value of money and exercise caution in his teens when he gets access to his money.

    We saw a gorgeous 2 week old new born at soft play this morning with DGD. She is becoming more aware of babies now. DD told us this morning that DGD old bedroom is now back to nursery with cot up so DGD put her doll in her cot and sung twinkle twinkle all the way through then said go to sleep Exactly what we do with her.

    Enjoy your new born cuddles. We can't wait for our new addition to arrive. Less than 7 weeks until 39 weeks when DD will get ECS.
    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
    • reality_check
    • By reality_check 22nd Mar 18, 9:52 AM
    • 728 Posts
    • 1,684 Thanks
    reality_check
    Congratualtions Kirsty!! I am so happy for you, crying at my laptop reading your update! I have no doubt you are enjoying every single minute, nothing beats holding your new born baby. I really couldn't be happier for a total stranger! xxx
    Starting debt £18,675.63
    Current debt: £5,000 (16/05/18)
    • Honeysucklelou2
    • By Honeysucklelou2 22nd Mar 18, 8:07 PM
    • 836 Posts
    • 3,331 Thanks
    Honeysucklelou2
    Congratulations, so glad that your little one has safely arrived. Enjoy every second of those precious first days.
    paydbx #93 £692/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • kirtsypoos
    • By kirtsypoos 23rd Mar 18, 11:17 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Thanks for all the messages - I have been reading but have been pretty rubbish about catching up... Well who knew something so tiny could take up so much time in all fairness most of the time he takes up is because I want to hold him constantly and not put him down, rather than him actually needing me

    Have been struggling a bit with recovery - self inflicted issues I think though - I weighed myself and am 12kg lighter than before I got pregnant so I tried on some jeans that I have't been able to wear in 2 years - they fitted so I insisted on wearing them out for a meal. Let's just say that a third degree tear and tight jeans do NOT go well 6 days after birth Got our 10 day midwife appt this afternoon so will be asking them to check I haven't done any damage to the repair. What an eejit (insert eye roll emoji!)

    Lactation consultant next week to discuss his tongue tie and see if we can get back to fully breastfeeding so wish me luck - using a pump all the time makes me feel like a cow!

    Nothing much going on money wise, my work have confused everything by paying me a full month this month and intend to recoup the excess next month which will leave me with very little. Extremely annoying and has messed with my spreadsheets

    We are all on countdown to my new niece ES, so I can imagine it is the same in your household! It will be here before we all know it

    Right my little man has just made a noise so obviously wants me to hold him.... that's my story and I'm sticking to it 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 23rd Mar 18, 11:41 AM
    • 2,761 Posts
    • 20,492 Thanks
    sashybo
    Ouch Kirsty that doesn't sound good, I had an episiotomy & the stitches from that were sore enough. Fingers crossed there's no further damage.

    How stupid of work to mess up your pay.

    Perfectly normal to want to hold your DS all the time. The hormones made me crazy & possessive over my DS.
    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 23rd Mar 18, 5:49 PM
    • 6,407 Posts
    • 13,188 Thanks
    enthusiasticsaver
    Tight jeans 6 days after giving birth. Ouchie!!

    Seriously well done for getting back to pre pregnancy weight so quickly but maybe give it a bit longer in loose clothes to give your body time to recover properly. You sound like all is going well with your little man.

    Maybe take the extra out of this months pay and put it in a savings account until next month so you don't end up short then.
    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
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