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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 24th Jul 15, 12:08 PM
    • 3,428Posts
    • 15,059Thanks
    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 99
    • dawnybabes
    • By dawnybabes 14th Apr 18, 7:48 PM
    • 1,581 Posts
    • 3,865 Thanks
    dawnybabes
    Don!!!8217;t feel,guilty - he won!!!8217;t remember it and if it!!!8217;s helping him then it!!!8217;s all good.
    Sealed pot challenge 822

    Jan - 176.66
    • kirtsypoos
    • By kirtsypoos 16th Apr 18, 4:26 PM
    • 3,428 Posts
    • 15,059 Thanks
    kirtsypoos
    Hi all!

    Just popping my head in sheepishly as I didn't realise how long it had been since I had posted

    Donut is doing well, not gaining weight very quickly as of last weds but will see in another 2 weeks how he is getting on. In the meantime we are now exclusively breastfeeding! Since last Tuesday no formula has passed his lips and I'm so proud that we persevered. We are looking at doing one formula bottle of an evening for OH to feed in a couple of weeks but want my supply to regulate first.
    He is colicky though which is upsetting, he won't settle of an evening in particular and I feel helpless that I can't make him feel better.

    In other news, OH has been offered and accepted a new job! Very different hours, he will now be working early mornings and finishing early afternoons. It's with the company of a family friend who is expanding his very successful business into our area. More money, less hours, less pressure and he will be out of the sales world which he hates with a passion. It will also mean that when I go back to work he will be able to pick donut up around school finish time from nursery and they will get some time to themselves until I get home from work which will be lovely for them
    Doesn't have much of an impact on our spreadsheets as he is currently paid 4 weekly so 13 times a year and is moving back to monthly so the spreadsheets currently have a double pay in September that won't be happening. We will be better off in the long run though.

    Still having British Gas issues, it's a nightmare! Hopefully will get somewhere soon with them, I'm currently monitoring readings over a 2 week period and letting them know the outcome so they can decide if they seem excessive
    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
    • enthusiasticsaver
    • By enthusiasticsaver 16th Apr 18, 6:26 PM
    • 7,079 Posts
    • 15,330 Thanks
    enthusiasticsaver
    Your OHs job sounds good and sounds like the feeding is going well. Sorry about the colic. My DD used infacol with her DD1 as she had colic issues. Eventually she moved to lactose free milk as she was formula feeding but some babies are affected even if breastfed through dairy from mums diet.

    We are on a countdown until Friday when my DD will deliver her DD2 by C Section as she then 37 weeks. She been in hospital with pre eclampsia since last Monday.
    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
    • monz
    • By monz 17th Apr 18, 9:19 AM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    That is great on new job for him xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad 1,300/4,000 mortgage - 83,378 o/s currently - paid 934.10 (19.65 overpayment)
    Christmas - 0/500
    • kirtsypoos
    • By kirtsypoos 17th Apr 18, 10:53 AM
    • 3,428 Posts
    • 15,059 Thanks
    kirtsypoos
    How exciting es! I bet you are all (especially your DD though!) counting down the minutes now it's so close sorry that she's been in hospital though, that must be difficult for her and for DGD1.

    I've picked up some infacol but they said it can take 2 weeks to get into his system so I'm trying gripe water at the moment to see if that helps at all, if not we have dentinox colic drops and if they both fail will move onto infacol. A grand plan that I hope we won't need to see through to the end!

    Thanks Monz - I'm pleased and so is he, although will be a huge change to his routine and will take some getting used to for him, he is NOT a morning person

    Have made a mortgage OP taking us to a nice round number which is lovely to see, it pleases my OCD
    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
    • enthusiasticsaver
    • By enthusiasticsaver 17th Apr 18, 1:14 PM
    • 7,079 Posts
    • 15,330 Thanks
    enthusiasticsaver
    I think DD tried dentinox initially before infacol and it didn't really help but it is always worth a try. Years ago gripe water was the thing we all tried so hope one of those works. It is so hard to watch them pull their little knees up to their tummys in pain. Excellent overpayment and I like round figures too. Great you still able to do the overpaying on maternity leave.

    I visited DD in hospital today and she is definitely counting down days now. DGD1 seems to be coping ok with the help of facetime and we and other GPS helping out with childcare when my son in law at hospital or working. Pre eclampsia under control though and baby doing really well so just hope it is completely different to EMCS for DGD1 where my DD does not even remember the birth it was so traumatic. Would be nice not to have feeding issues she had with DGD1 either as she was so sleepy in first few days she ended up being tube fed for 10 days until she was strong enough to suck. Pregnancy is such a worry.
    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
    • WannabeFree
    • By WannabeFree 17th Apr 18, 1:24 PM
    • 1,762 Posts
    • 15,488 Thanks
    WannabeFree
    Lovely to hear from you Kirsty

    Colief is amazing too. More expensive but well worth it

    Take care

    x

    Good luck to DD ES hope everything goes smoothly

    x
    Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.
    • abba1772
    • By abba1772 1st May 18, 5:04 PM
    • 5,157 Posts
    • 18,355 Thanks
    abba1772
    https://www.moneysavingexpert.com/news/energy/2018/05/energy-back-billing-ban-is-in-force-from-today

    Thought this might be of interest to you xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2041.76
    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 9074.52
    • crazy_cat_lady
    • By crazy_cat_lady 3rd May 18, 11:28 AM
    • 3,898 Posts
    • 33,378 Thanks
    crazy_cat_lady
    Hi Kirsty
    I just wanted to say a quick hello and catch up, as I've been completely awol since your donut arrived. I am amazed at your strength and determination to keep going with everything - being a mum and still being an amazing debt buster as well!
    Sunshine September #12 NSD 11 1 debt vs 100 days 262.01/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • enthusiasticsaver
    • By enthusiasticsaver 2nd Jun 18, 9:08 PM
    • 7,079 Posts
    • 15,330 Thanks
    enthusiasticsaver
    I hadn't seen you posting in a while so thought I would pop in and say Hi. I expect you are busy with your new baby and hope you are enjoying him. Life with babies can be very rewarding but also exhausting.

    I expect your Dsis has also had her little girl. My DD had her DD2 on 20 April so now 6 weeks old and chilled compared to her first. Still confused between night and day though but early days.

    Hope you sorted out British Gas issue.
    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 10th Jul 18, 1:00 AM
    • 3,428 Posts
    • 15,059 Thanks
    kirtsypoos
    *sneaking in and hoping no one realises how long I've been awol for *

    I have been rubbish! For on of the very best of reasons obviously but I have barely picked my laptop up in months and I don't even regret it the not so great part of the reason was that I have been struggling with PND and just didn't care that much. I don't think it was unexpected, it was such a hard and upsetting first 6 weeks that I didn't know what to do with all the hormones and awful feelings but am now on medication and starting counselling soon so hopefully on the right track.

    We are plodding on. Donut is still tiny but amazing I cannot believe he will be 4 months old on Friday. My new niece was born at the end of May and is almost the same weight as donut already little chunk, she is lovely!

    We have had some drama with pay in OHs new job and have had to fall back on a CC and to be perfectly honest when we had to do that I had a f* it moment and went a bit mad will sit down and work out the damage soon but between the fallback and naughtiness it is in the 4 figures

    We are having a naming day for him this Sunday which I am looking forward to and my parents have booked to take us all to Egypt in September so lots to look forward to.

    OHs parents and sister arrived in June and it has been going mostly well although I'm not gutted that they have gone to visit family up north for a few days, I need some space to get my sanity back together.

    Very quick check in as donut is stirring but that's the basics of kirtsypoos world for now! Hope everyone is ok 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
    • monz
    • By monz 10th Jul 18, 9:08 AM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    I missed you!!!!! Hope you are feeling better with PND remember to speak up as hard as it is <3 oh my 4 months also xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad 1,300/4,000 mortgage - 83,378 o/s currently - paid 934.10 (19.65 overpayment)
    Christmas - 0/500
    • enthusiasticsaver
    • By enthusiasticsaver 10th Jul 18, 9:47 AM
    • 7,079 Posts
    • 15,330 Thanks
    enthusiasticsaver
    Being a new parent is tough and coping with PND makes it harder. Hope you start to feel better soon. Congrats on new niece. These little ones don't stay small for long. Enjoy the naming day.
    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
    • crazy_cat_lady
    • By crazy_cat_lady 10th Jul 18, 10:27 AM
    • 3,898 Posts
    • 33,378 Thanks
    crazy_cat_lady
    Hi Kirsty
    Pleased to hear that you're doing ok - I have been thinking about you and wondering if all was well. PND is a horrible thing, I got it when my dd was born, so can relate a bit. Try not to worry about the spending short term - you've had a massive life change and that can take time for things to adjust.
    Lots of love xxx
    Sunshine September #12 NSD 11 1 debt vs 100 days 262.01/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • sashybo
    • By sashybo 10th Jul 18, 8:36 PM
    • 2,833 Posts
    • 20,812 Thanks
    sashybo
    Hi Kirsty, nice to see you back. Sorry to hear about the PND, glad you're getting on the right track now with the treatment.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 11,182 extra paid off debt. Total Debt paid off 53,880
    Loan 1449.61, CC 0% BT 600, Car loans 21,052.15

    Have a Debt Free Diary to try & keep spending in check.
    • kirtsypoos
    • By kirtsypoos 11th Jul 18, 11:42 PM
    • 3,428 Posts
    • 15,059 Thanks
    kirtsypoos
    Thanks lovely MSE people! I have vowed to get back on track properly once the in laws go home. Very difficult working on an extremely limited mat leave budget when I'm feeding extra people

    In the meantime, damage limitation. I ordered a dress for the ceremony that I really don't need so that has gone back today. I'm still determined to spend more time cuddling my little man than worrying about spreadsheets BUT I want to know we are on track again.

    On a side note, the 4 month sleep regression is not fun!! I'm off to try and get him back to sleep...for the 55th time or so it feels like. Good job I love the sleepy snuggles! 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
    • enthusiasticsaver
    • By enthusiasticsaver 12th Jul 18, 6:36 AM
    • 7,079 Posts
    • 15,330 Thanks
    enthusiasticsaver
    Ah yes I remember the 4 month sleep regression with my DGD1 and the hourly wake ups. DGD2 should hit it in about a months time. Enjoy your baby cuddles. These early months go by so quick although it may not seem like it at the time.

    The spreadsheets will still be there in a few months time. Just do as you are doing and keep an eye on what you are spending. At least you don't have debt to worry about now.
    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
    • enthusiasticsaver
    • By enthusiasticsaver 12th Jul 18, 6:42 AM
    • 7,079 Posts
    • 15,330 Thanks
    enthusiasticsaver
    Do you have the wonder weeks app by the way? That shows the brain development leaps babies make in their first 15 months of life. This is something we never realised when we had our DDs but it has been fascinating charting our DGDs first year and seeing that the unsettled ness that comes with each leap is then followed by new skills the baby masters. My DD and her husband like it as they then know the reasons for the extra clinginess and bad sleeping.
    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 12th Jul 18, 8:19 PM
    • 808 Posts
    • 4,125 Thanks
    PositiveBalance
    Hi Kirsty!

    It's good to hear from you!

    I'm sorry you've been having a tough time, but it's good that you are getting help. *Insert thumbs-up emoji*

    Don't worry about the money too much - there are more important things to worry about right now. Obviously, if things go *too* mad it might not help your mental state, so as long as it's reasonable go with the flow.

    Lots of love,

    PB
    xx
    Original debt to source: 11,640.02; debt repaid: 6771.01 (58%); remaining debt: 5069.01
    0% CC balance: 4999.67 now
    2914.55 (42% repaid)
    Emergency Fund (#187): 0/500
    Terrimundi: fleeced!
    • kirtsypoos
    • By kirtsypoos 12th Jul 18, 10:18 PM
    • 3,428 Posts
    • 15,059 Thanks
    kirtsypoos
    Thank you both!

    ES I love the Wonder Weeks - it gives OH in particular something to focus on. We are in the middle of the big month long leap which is joyful of course!!

    I'm so glad to have gotten back on here. I need you all to keep me on the straight and narrow 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
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