*mbs1's* Diary..Updated SOA attached

mbs1

Morning all.

Another early start.

Just on my way to work, just switched on the slow cooker for dinner, Beef casserole. yum!

Hopefully have a NSD today.........

Have a nice day

mbs1

So much for a NSD.

Had to buy some more potatoes for sunday dinner.

Ah well. Back home now after work.

mbs1

Today i have:

Photocopied the letters to send to my creditors
Nearly got everything ready for CCCS, just awaiting new payslip

It does seem like we're waiting forever.

Ah well.

mbs1

Just a quick update because im bored!

At work till 8pm tonight, ive done my xmas shopping for the missus.

We agreed at no more than £50, i managed to spend 48.60, that was inlcuding car parking aswell!!!

Just got to handmake her a card now off me and DD, better than buying one hey!

SortingIt_2

Hey mbs1

Just wanted to say good luck with starting your dmp. I am just over a year into one and can say I haven't once looked back. The initial set up is a bit of a nightmare but as long as you stand firm and just tell your creditors all will be fine and this time next year you will be feeling far more in control!

As for overtime, if I get to do any I just put it to one side and hope that in a few years I will have enough saved for full and final settlements.

I find myself now thinking of mini challenges to earn/save more money - it keeps me going as a dmp budget is pretty tight.

It's nice you are making xmas card - might give that a go myself for OH. Good luck with the baby, hope all goes well.

Take care x

mbs1

Thanks for the reply.

It just seems one thing after another at the moment.

Ever since my partner went into labour early at 26weeks.

We're so stressed, hopefully one DS is here, we should get a c-section date on Thurs we can calm down abit.

Im still kicking my self about getting into this mess in the first place.

So careless.

SortingIt_2

You and me both - I struggled for ages to make ends meet, feeling miserable, out of control etc before finally making the decision to start a dmp. I only wish now that I had done it sooner. Still can't keep looking back, have to look forward and be positive. At least now I can see an end in sight!

You have lots to look forward to, baby and finally getting those finances under control and I am sure in time you will start to see that DFD coming down - before you know it you'll be debt free! This past year has flown by for me.

mbs1

It does feel like the light at the end of the tunnel keeps getting further and further away.

If only we had started the dmp earlier.

SortingIt_2

You'll be feeling far more settled in a few months - promise!

Who knows what will happen in a few years time, circumstances change. I am really motivated to try and work overtime etc to pay off early or for full and final settlements.

Fingers crossed for lots of positive responses from your creditors.

mbs1

I really hope so.

Just waiting for my payslip then i can send the pack back to CCCS.

On a better note, im working again this weekend. 2 in a row. More money for debts i suppose.