New to the site, new to taking control...but very very anxious.

CLAPTON

I would counsel that you think very carefully before committing to a DMP
Your current SOA seems to show an actual surplus... I'm sure in practice that isn't correct; however it well worth checking over very very carefully before committing to a DMP
- firstly start keeping a spending diary... write absolutely everything you spend in it
-secondly look back over the last year and work out all the yearly or one offs spending and write all that down too
-this way you will be able to find where that 'surplus ' actually goes and will put you in a better situation to help prioritise your spending

-thirdly repost your SOA with the new figures.

-fourthly look at your income
can you get a parttime job, work overtime etc?
you talk abut moving in with the OH and letting out your ... how will this affect your income and spending?

a DMP may be the way forward but explore all the possibilities before deciding

piglet39

yellowpoodle wrote: »

Hi All

Will I have to tell employers? (I do jobs that need company credit cards)

Hiya and welcome!

Nothing to advise but just want to share the fact that we have had no probs with company credit cards being issued whilst we have been on a DIY DMP.

HTH

Piglet