New Dmp Mutal Support Thread

95kelly · 27 February 2007 at 9:04PM

Theres seems to be quite alot of us starting DMP in the next month so i thort i would Start a new thread for anyone whos just starting there DMP.
Mine starts 1st March.
So please post, post,post and lets make some new friends.:j
Kelly x

Members Numbers:
Me Number 1
teecee 2
Ex-spenaholic 3
Smilealot 4
Huntress 5
sea78 6
gemmzie 7
goldigger 8
IDAAS 9
Bloody HEll 10
Joek 11
Jumps 12
shearerbobs 13
Bluediamond 14
ashden 15
newgirl 16
lonely 17
emmy1 18
leixlip1 19
greengrocer 20
daisyblue 21
scared 22
njc12 23
franny 24
bessy 25
neith 26
rustybucket 27
kevster1009 28
fay66 29
valleys girl 30
totallyfedup 31
newlywed 32
brassicks 33
vpmamt 34
4maxine 35
looby75 36
nugsfarnham 37
yellowmonkey 38
amani 39
dlb 40
ticktock1973 41
auntie pie 42
pan 43
alfredsmum 44
llewelyn 45
sparky03 46
Scottishmummy 47
wewillclearthis 48
Winkus 49
ilovegreatdanes 50
hopeful 51
mioliere52 52
charlie2301 53
readhead999 54
VivCk 55
dumb debtor 56
Cuba Cat 57
Lennymfo 58
Michelle73 59
welshjojo 60
craftingqueen 61

teecee152 · 27 February 2007 at 9:10PM

Well done Kelly,

just thought i'd note down a few things i've done so far to help me see how far i've come,
Cut down ntl from £45 per month to £30.
Started living to a strict budget and haven't used a credit card since christmas.
Sorted out all my paperwork and not just ignored letters coming through the door.
Set up a paypal account on ebay so i can start to sell my unwanted stuff.

Wow thats loads more than i thought!

LOL

teecee:beer:

95kelly · 27 February 2007 at 9:15PM

Well DONE Teecee!!
I have cut down a lot of bills,
Haven't used a credit card since January 1st(my biggest achivement)
Trying to live to a budget(still working on that one!!)
Sold quite a biton Ebay so far!!
x x

teecee152 · 27 February 2007 at 9:22PM

only just got to grips with the ebay site, gonna put my first items on within the next few days, i'm sure i must have something that someone else wants!
I think because i'm just starting on the road to freedom i've become a bit hyper about moneysaving! lets hope i can keep it up(fingers crossed)

teecee xx

Ex-Spendaholic · 27 February 2007 at 9:25PM

Thanks for starting the thread Kelly.

Mine starts in March too. I'm making my first payment tomorrow. :beer:

My efforts so far:

Joined quidco - have earned £15.21 by doing the clicks

Applied for AQA - haven't heard back:eek:

Have changed my shopping habits - going to a butchers and greengrocers once a week and not M&S virtually every day

Have managed to find cheaper car and house insurance on quidco with cashback

Next Steps

Drawing out cash on a weekly basis and not using cards

Going to buy stardrops for cleaning

Join more cashback sites

teecee152 · 27 February 2007 at 9:32PM

have started using money jars.
Take out money for month and allocate it into pots,food,petrol, DD's stuff etc.
once the money's gone its gone!
£150 for feb and still got £18 left - it is nearly march isn't it???

teecee xx

smilealot · 27 February 2007 at 9:48PM

Can I join please?!

Great tips guys. I didn't realise I could do clicks on Quidco, thought you had to spend money on products to get the benefits (but got no money to buy them with!).

I'd love to offer some of my tips, but not sure if I have any, just really obviously stuff!
- started cooking big sized meals, e.g. lasagne, to last me a few days (cheaper than individual ready meals)
- £2 coin saving pot
- shopping at ALDI for most of my groceries instead of Tesco/Sainbury's
- gave up my gym membership and joined a walking group instead
[looking for a cheap place to buy a trampoline - anyone?!]
- started a Friday night "dinner at x's house" routine with my mates. Homemade meal and cheap bottle of wine less costly than nights out.
- selling my upcoming gig/sports tickets on ebay

(
- Told everyone I know that I'm skint so they understand if I can't do something and they don't tempt me to go shopping etc.
- going to start using a library instead of buying novels. Ask to borrow friends' and families' dvds instead of buying or renting them.

Keep me updated on how it goes - I'm worried about all the phonecalls and letters starting. Good luck :beer:

teecee152 · 27 February 2007 at 9:54PM

Welcome Smilealot
I'm worried too about calls,

letters etc but i don't suppose there is very much we can do at the mo!
I have just made my first payment to CCCS and my DMP starts 1st march.
I'm sure we all feel really apprehensive about what is gonna happen but we just need to stay strong ! we've made the first big step by trying to sort out
our debts and there is always someone on this site to talk to if you need them!
Good Luck and welcome!!!

teecee xx

hunteress · 27 February 2007 at 9:59PM

hi mine starts 1st april 07 and not looking forward to letters phonecalls have already started :eek:

teecee152 · 27 February 2007 at 10:13PM

Hi hunteress
I've only had one call so far that was from capital 1 and they were really nice once i told them about DMP. sure it won't last though so bracing myself for whats to come!

Good luck

teecee

Sea78 · 27 February 2007 at 10:24PM

Hi

Thanks for starting the thread- hopefully, as time goes on, those who are thinking about/starting their DMP in the months to come can also find lots of info from us?

I've been busy this year

DMP starts 1st March, making first payment tomorrow.
See sig for debts!!
joined the Olympic Challenge to save up extra money to pay off the 'smaller' debts! Going quite well
Have a menu plan & shopping list. Shop at tesco but also Lidl and look out for BOGOF etc in shops near me of the things I buy regularly.
Send off for all the freebies I can so that i get the money off tokens - saved £8 on last shop at tesco through this.
Joined Pigsback,freefivers to do clickthroughs to slowly work up to vouchers - just put 2 vouchers on Ebay from this.
Ebaying like crazy, slowing slightly but off to my mum's this weekend to help her 'sort' stuff!:)
Trying to cut back (hard when return from extra work to find OH unloading the &*^%$ tumble dryer!) and one mobile will go in June, Gym in August etc.

Looking forward to reading everyone's experiences - so far, HSBC CC have accepted payments for 3 months and frozen account, on condition that payments will rise (they will due to paying off student loan). Barclaycard have accepted for time being and frozen account as I'm dealing with CCCS

Not heard from others (2x HSBC, Citibank, Egg & Liverpool Victoria Loan).

Sea xx

New Dmp Mutal Support Thread

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