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  • FIRST POST
    • Pinkwhisk
    • By Pinkwhisk 15th Jul 16, 2:34 PM
    • 150Posts
    • 392Thanks
    Pinkwhisk
    DFW diary 2.0
    • #1
    • 15th Jul 16, 2:34 PM
    DFW diary 2.0 15th Jul 16 at 2:34 PM
    So my second diary. Starting afresh as I'd like to look back st how far we've come.

    We've changed our minds and are going to go into a DRO after we have all the evidence needed which should be August. I'm hopeful this is the right decision rather than the IVA.

    I'm using YNAB to help us I feel in control for once. I did our budget with step change so I'm using that as my starting point I'm so impatient but I know I have to wait for the right evidence before starting the DRO process!
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
Page 3
    • Pinkwhisk
    • By Pinkwhisk 26th Aug 16, 9:21 AM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    One week till pay day, one week till payday tralaalaaalaa! Sorry, just excited! So we are doing our budget tomorrow ( me showing OH the budget and adjusting as nessecary!) . Need to decide what to put his income down as as it varies slightly as he's hourly paid. I want to put the higher amount to cover ourselves but that could throw the budget out for DRO so I think we'll work out an average!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 26th Aug 16, 2:07 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    Also need to work out what we can save towards Xmas and birthdays etc. It's gonna be a boring but nessecary day tomorrow so we know exactly where we stand before payday comes and it's all up in smoke!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 27th Aug 16, 2:58 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    Not much to report - sold a few things on eBay but need to buy baby ibuprofen and paracetamol with it, and need money for milk and bread, so wont have any money to put away. Never mind, needs must, and a new month starts on Friday for us as its pay day, yahoo! I feel positive, but need to do budget with OH ASAP. I wonder if national debtline open on bank hol? Probably not.

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 28th Aug 16, 6:00 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    So, I've done septembers budget. As we are playing catch up, it's very very tight. It'll be ok, I'll get oh to give it a once over tomorrow to agree to it all. I need to double check my workings out though!

    I'm going to save £5 and £1 in a jar I have access to, as my budget is so tight I don't want to lock it away and then need it!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 31st Aug 16, 11:35 AM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    Nothing much to report. Waiting on HB tomorrow so I can start paying what we owe and setting up our DD again. Done a shopping list - think we'll shop weekly rather than monthly, I've done a months meal plan and now need to do a month of lunches too. Also I've seen waitrose have some good PYOO on so I will be utilising that tomorrow.

    Think that's all for now!

    PW X
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 1st Sep 16, 12:14 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    So I moved some money to OH but as his account wasnt at zero most of it got solo we'd up so we are back to only £3 until tomorrow. Going to re look at budget and see if I can move DD around (that's tomorrow job) so it help us, even if it's only this month. Argh. Also going to start spending diary.

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 2nd Sep 16, 6:50 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    So, start of the month for us today (pay day). Paid catch up on our bills, which doesn't leave us with much but looking forward I can see we won't struggle as long as we keep in budget for food and going out. Hmm, OH couldn't understand where the money has gone I think I'll have to show him on the banking!

    That's all, going to be tight but worth it. I saved £5 into baby ISA so I feel good about that. No savings for us but I should have them in a few weeks!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 5th Sep 16, 1:48 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    So, I'm going to call national debtline tonight to get the ball rolling on DRO. I've spoken to IVA we should have our certificate in the next 2 weeks. I'm also getting all of our statutory credit reports together to go through - expensive but worth it! I feel ok, just want it sorted NOW! I'm so impatient !

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 6th Sep 16, 11:44 AM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    ITS HERE ITS HERE ITS HERE!! Our cretfificate of termination arrived today, wooooo! Very very happy.

    So yesterday printer ran out of ink and oh was late home so didn't get our credit reports done or contact national debtline. He's off tomorrow so I'm going to call then, and brought ink today so I can print them off.

    Feeling very positive!

    And he brought home a £30 tip so going to move that a cross to EF funds and update signature. :-D

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 6th Sep 16, 1:41 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    I've printed off credit reports from all 3 agencies - interesting to see what information each one has! I've now got a list of our debts and how much we owe and who to so I can inform national debtline of exact totals rather than a stab in the dark which will be much better!

    Feel very happy even if the total number is scary!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 8th Sep 16, 2:00 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    One phone call to ND later and we both qualify for DRO. 2 packs being sent out should have by Saturday - right now 2 week turn around which works out when oh gets paid again so we can pay straight away. Woooooooooo feel like such a weight has been lifted off us both.

    Bad news is the £30 from EF has been used but not feeling to crappy as I'm about to do Octobers budget to see where we stand there.

    Wish me luck for that!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 10th Sep 16, 4:37 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    WOOOOO PACK ARRIVED!!

    Sent off our Experian forms today, and I'll start filling out the forms soon, as we need the credit report before we return it anyway!

    So happy!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 12th Sep 16, 7:15 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    So, Ive filled out my DRO pack today. The biggest issue we both have is we don't have account numbers or debt totals for our debts. I spoke to ND who suggested we write to each creditor explaining our situation to get that information. However, if we send the letters recorded second class,mint will cost 22! Which we don't have. We could send first or second class but if they get lost in post its both time and money wasted. I've emailed one creditor but the others don't appear to have email addresses. I could call but don't really want to speak on the phone with anybody.

    Feeling stressed out as well which makes matters worse. In my head I have that we will be in DRO by end of December, which would be great Christmas present having this sorted finally!

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 18th Sep 16, 2:51 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    Not much has happened really. No word from any of our other creditors yet but I did find some old paper work which will help me fill out the DRO forms. Also think will call our creditors to get the information we need - I can't be bullied into paying as we have no money anyway!

    PW X
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 13th Oct 16, 10:41 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    Goodness gracious me, it's been over a month since I last posted?! Blimey oh Riley that's lacking on my part!

    To be honest not a great deal to update. Am counting down to Pay Day so we can send all the paperwork needed for the DRO. I always seem to be waiting on a pay day! Have struggled a bit for money this month as OH got paid less than he should have which has been a nightmare and not sure when we will be caught up with it all which is very headache inducing.

    That's all really feel like it's one issue after another right now but hey ho.

    P W x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
    • Pinkwhisk
    • By Pinkwhisk 5th Nov 16, 8:51 PM
    • 150 Posts
    • 392 Thanks
    Pinkwhisk
    Jesus,

    I was going to start a new diary tonight. But I decided to be good annd carry on with this one.

    So, DRO is going to be with stepchange, I need to call and go through our budget first, and am badgering OH for his payslips too.

    I LOVE CHRISTMAS!!!🎁🎄🎅🎊🎉🎅🎄🎁🎊🎉. But it's always stressful over money and presents, so I joined SPC10 yesterday, and have decided to save my shrapnel for now.

    From January though I will be putting anything under £5 in there, and also doing the £1 a day for Chrismas challenge once it starts for 2017. As that will be the Christmas our baby will start to understand Christmas, so its even more important to save. I will be using a holding pot first, then transferring over, to ensure I don't get into the pot halfway through the month.

    Right, think that's all for now

    PW x
    LMB July 2015 Jointly owe £14745.30

    SPC10 = #563 any money saved goes to Christmas 2017 🎅 🎄🎁🎉

    A pound a day for Christmas 2017 = #4 31/356 🎄🎁🎉🎅
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