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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 99
    • dawnybabes
    • By dawnybabes 14th Apr 18, 7:48 PM
    • 1,576 Posts
    • 3,845 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
    • 3,423 Posts
    • 14,977 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
    • 6,422 Posts
    • 13,233 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
    • 3,191 Posts
    • 10,128 Thanks
    monz
    That is great on new job for him 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)
    • kirtsypoos
    • By kirtsypoos 17th Apr 18, 10:53 AM
    • 3,423 Posts
    • 14,977 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
    • 6,422 Posts
    • 13,233 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
    • 1,536 Posts
    • 13,293 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
    • 4,738 Posts
    • 16,296 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 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
    • crazy_cat_lady
    • By crazy_cat_lady 3rd May 18, 11:28 AM
    • 3,515 Posts
    • 30,098 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!
    DFD 6 Nov 15 - paid £28,447
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