The DMP of Emily

postingalwaysposting

Awww emily, sorry you have been unwell. Glad to see you are picking up. Hope you reach your targets

thepinklady

Hi Emily,

Sorry to hear you have been unwell. I'm glad you are now on the mend.

Good luck reaching your targets, i'm sure you will be able to do it.

xxxx

Piquant_2

Really sorry to hear you're not feeling well Emily, hope you get better soon.

piq

ehallett

Oh, I'm doing rubbish on AQA :mad: . Will post my total questions at the end of the day, planning a mad splurge of questions!!

I just wanted to update my thread with what is going on with my DMP creditors:

Intelligent Finance - Sent a default notice last week - heard nothing else.

Capital One - Sent a default notice ages ago, heard nothing since.

Egg - Sent a default notice a couple of weeks ago - heard nothing else.

Lloyds TSB CC's - Accepted payments for 6 months at a reduced interest.

Lloyds TSB overdraft - Sent a snotty letter telling me to bring my account up to date or they will take legal action - it's only the charges that they have taken out that have pushed me over my overdraft limit.

Barclaycard Loan - Accepted payments for 6 months.

Barclaycard - Accepted payments.

Cahoot - Heard nothing.

DLC (was Cahoot CC) - Heard nothing.

Anyway, back to the questions and will update later tonight

Emily x

Luckystepho

Sorry to hear that you've been so poorly Emily, hope you are well on the mend now- good luck with AQA! xx

ehallett

Hi everyone

Well I only managed to get £60 from AQA :mad: . I'll be ok for my rent but it will be a VERY tight month and Christmas is coming up.

I need to start planning for Christmas as I just don't know where I'm going to get the money from.

So far, I have already got my youngest cousin's (spent £5) and my boyfriend's dad (spent £4). I've got a couple of pressies for my niece and my mum and I clubbed together to get her the new Elmo (we got a £10 discount so £25 each but I haven't given her my half yet). I'm only going to get her a little outfit and that will be it.

For my mum, I'm going to get her a new DVD player with my sister (should be £20-£30 for me). However, I want to try and get some Amazon vouchers from Dooyoo for this as this way I will get my sister to give me half in cash and I can use that for other presents. Will have to get cracking on Dooyoo to get enough in time. I want to aim to get enough by the middle of this month but will try and order them as I go along.

I'm also going to try and get a hamper together for my mum which I will try to limit to £10-£20.

For my sister, I want to get a star named after her late baby son Joshua (around £15) and I'm going to get together a hamper for her too (around £20-£30).

I'll make a sweet hamper/box for my brother in law (he LOVES sweets!!) - I should be able to do this for £10-£15.

I've already said that I can't get much for my boyfriend this year and he has agreed that we shouldn't get anything. I might try and get a hamper together for him as a token gift (£20-£30). I also need to get something for his mum but won't spend anymore than a fiver.

I've got another 3 cousins to buy for. My older cousins I will just give a tenner to and my youngest female cousin I'll only spend a fiver on.

I've then got my gran (£10 M&S voucher), uncle (usually wants a CD or DVD so will try and get an Amazon voucher for him), my auntie (will try to do a hamper for her too up to £10) and another uncle (usually give him a £10 voucher).

So I think I need to get together around £200 max but I want to try and get everything as cheaply as possible. Have already been on the Xmas board to get some hamper ideas.

If I get time on Monday, I'm going to go to the pound shop and get some bargains .

Emily x

benbenandme

Rather than spend a tenner on the older cousins, could you not get something in Boots 342 or something, so its te value of a tenner but won't actually cost you that? Or maybe a nice bottle of wine each, again when theres an offer on in the supermarket? I'm sure you've already thought of stuff like that, but it seems you have an awful lot to spend there

ehallett

benbenandme wrote: »

Rather than spend a tenner on the older cousins, could you not get something in Boots 342 or something, so its te value of a tenner but won't actually cost you that? Or maybe a nice bottle of wine each, again when theres an offer on in the supermarket? I'm sure you've already thought of stuff like that, but it seems you have an awful lot to spend there

Thanks for that, my cousins are 19 and 17 and they are both more like brother and sister to me really. That's the only reason I get them presents still. They always appreciate the money more than any presents. I will have a look at a gift set for my female cousin though.

ehallett

I've been thinking of ways to cut the cost of Christmas down and have decided to sell some of my CDs (that I never listen to) on Play Trade and then use that money to get Joshua's star for my sister. It's £15 on there so will need to get to that target.

Going to try and do 10 reviews on Dooyoo today which will take me to my first £10 Amazon voucher.

I'm also nearly at payout level on Test & Vote. I'm going to use that to get a sainsburys voucher and then use that for some hamper bits.

Off to do some reviews, listing on Play Trade, questions on AQA and getting ideas for Christmas pressies

Emily x

ehallett

Well according to all of the stuff I have to still get for christmas, it would cost me about £235. However, I've got the following plans in place:

• DVD player for my mum - Get the money from Dooyoo Amazon vouchers - does anybody know how long they take to come through after requesting them? If I can pull this off it will save me £30
• The star gift for my sister - pay for this by selling items on Play Trade. Will save me £15
• Presents for my 2 older cousins - I'm going to subscribe to a couple of magazines for the free gift and then cancel the DD (naughty I know but needs must ) - will save me £20.

That's it for now so will get working on those. However, this will save me over £60 already .

Emily x