My Long and Winding Debt Journey

longforthesun

Managed a NSD :j :j :j

Started taking a note of everything we have in cupboards and fridge/freezer to meal plan for the rest of the month. Did not get round to baking anything. Kids in bed OH working so just deciding if I should get up off my bum and do some housework or veg out in front of the telly.

longforthesun

:mad: Got my Debs statement in this morning and they have charged interest. I am sure I have letter from them accepting DMP and advising interest would stop. There is not a late payment charge just interest. Off to get my letter to check.

Started Xmas shopping today:eek: Going to add how much I spend to my signature to keep an eye on it.

longforthesun

Okay got the letter out from GE and it does say they will suspend all interest and charges so off to do a letter to them to politley remind them of this.

longforthesun

Just had a look at my bank account and I have no idea how but things will be a bit tight now till payday. I thought I was ontop of it all and would have money left but not so sure now. Off to have a good look. Also I think i have gone over our food budget so off to do a full list of food in the house (i started this the other day but didn't finish) and definatley make a meal planner for the rest of the month.

No NSD as OH bought some tooly stuff to do some jobs around the house only was £7 but all these £7 add up.

pepe2008

Hi LFTS,

Def keep a check on every bit of paper from all creditors until you are sure that they are doing what they say they are. Some of mine did drag their feet a bit due to their own inefficiencies.

When the dmp settles down it can get a bit boring....I almost miss winding up some collection parasite who is 'just doing her job'! Ho hum, I'm sure another one will pop up to provide entertainment for a while....prob 1st Credit...bring it on!!!

Anyway, must take the dog over the feilds...it's free, it's healthy and, unfortunately, it's wet.

Keep the faith. Pepe
( Must also learn how to spell 'fields' )

PercyPig

Hi longforthesun (great user name)

I have just been reading your diary and you seem to be doing really well. I would like to start my own diary but I know that when I get busy at work I won't be able to update it that regularly. I do like to read other people's though as its nice to know there are other people with the same worries and problems.

Did you do a meal planner? I really need to do one as my food budget is always overspent as I get to the shops usually with no idea what meals I am going to make, doh!

Take care,
Percy

longforthesun

Pepe2008 enjoy your walk as you say it's free. I have been walking much more these days to save money on petrol.

Hello PercyPig I would def recomend starting a Diary een if you can only update it every now and then. It has def helped me get my thoughts out of my head as I said before only my OH knows about our Debts so its hard not having anyone to talk to.

Well I have made a list (my god do we have some amount of food) so going to sit down tonight to make meal planner should be pretty easy. Have also just done a marathon bake so plenty of goodies for the rest of the month. :T

pepe2008

Mmmmmmm! Bakie things.........


Sorry, Homer Simpson moment:p

longforthesun

I have made twinks hobnobs, caramel shortcake and pancakes.

Okay have made a meal planner for this week.

Thursday - Spag Bol and Chicken breast with Potao Skins
Friday - Sausage Mash with Beans, Breaded Chicken with Mash
Saturday - Chicken and Rice, Chips and toastie
Sunday - Steak Pie Potatoes Veg and Puff Pastry
Monday - Fish Chips Beans and Breaded Chicken and Chips
Tuesday - Spag Bol Garlic Bread, Hamburger and chips and Chicken HOtpot
Wednesday - White Chicken bits and Rice Baked potato with Cheese.

Okay the reason there is more than one meal is we don't all eat the same food and I only have enough of something to do 2 or 3 people (there are 4 of us) Have done the following weeks meal plan too but will add that nearer the time.

longforthesun

Not going to manage a nsd day as had to put petrol in the car this morning. Have updated my sig.

Not up to much today going to sort through my DMP folder as it is getting a little untidy. Can't wait till the 26th so I can see my payments going out to our creditors from CCCS.