DMP Mutual Support Thread (Part 5)

marfan_not_martian

Morning DLB
Sorry to hear that you are feeling sad today and that the kids are doing your head it.

Hope your budget is still on track - mine is thanks to everyone on MSE infact I now feel cash rich all the budgeting I am doing is really paying off.

Take care DLB hope you feel better later hugs to you :grouphug: (looks a bit purvey that smilie doesnt it )

dlb

Not sad in that way mnm lol......just sad in the fact that i love budgeting which all my friends think is very sad and weird!!! lol

Oh and other 2 kids have been set home from school so just waiting for them to arrive home!! Only school around here that decided to open then shuts an hour later!!!!
Oh the joy all 4 kids at home, in and out of the snow=wet clothes and shoes everywhere and wet slippy kitchen floor arhhhhh
lol

marfan_not_martian

dlb wrote: »

Not sad in that way mnm lol......just sad in the fact that i love budgeting which all my friends think is very sad and weird!!! lol

Oh and other 2 kids have been set home from school so just waiting for them to arrive home!! Only school around here that decided to open then shuts an hour later!!!!
Oh the joy all 4 kids at home, in and out of the snow=wet clothes and shoes everywhere and wet slippy kitchen floor arhhhhh
lol

Sorry I thought you meant sad as in down. It's not sad that you love budgeting its brill !!! I find it very theraputic now and pride myself in being able to control my spending more. I popped into the bargain shopping area this morning and was looking through the boots thread as this tim last year I was addicted to collecting points. Whislt browsing I was thinking "oh that glitch sounds good - oh so does that one" - then I realised that none of the stuff I actually needed so it wouldnt be money saving.

I now am proud so say that I am no longer a spending, points collecting junkie. I am a budgeting junkie and very proud to be so:rotfl: :rotfl: :T

so if you are weird - then I am weird too - we should start up a weirdo budgeting group thread - what do you think - we could offer advice and tips to each other about ways to cut costs and keep records of how well we are doing on our budgets - and any naughty spends we have done

billybobberyl

hi all, i just like coming on here to read about everyone else too makes me realise its not just us having issues with money etc, thanks for all your advice already. hope you are not too stressed with the snow today, i am a stay at home mum with an 18 month old son luis so we are quite happy with it, he is just learning to throw snowballs so looking forward for daddy to come home;)
have started getting my brain in budget mode, we were supposed to have spaghetti and meatballs for tea tonight using a bought sauce, but. . . .i have just used up 2 parsnips 2 carrots half an onion 2 leeks that were all about to go and usually nwould have been lobbed into a sauce with tinned toms yummy cant wait!

Seasiders_2

Afternoon everybody - more advice needed please!
We currently have an interest only mortgage as we have been trying to utilise every penny we have to keep up to date with our unsecured debts. As mentioned previously we are about to start a DMP with CCCS - should I start paying my full mortgage and therefore allow less money to go into the DMP or carry on interest only and divert as much as possible to the unsecured creditors?

dlb

Yey..had paperwork from payplan through, iv rang them and all systems go for the change over..first payment 2nd March!!!
Wow im amazing how quickly the change over has been! Iv only had to deal with my creditors for 1 month!!!!

msc1977

dlb wrote: »

Yey..had paperwork from payplan through, iv rang them and all systems go for the change over..first payment 2nd March!!!
Wow im amazing how quickly the change over has been! Iv only had to deal with my creditors for 1 month!!!!

Thats fantastic news Donna well done! Cant wait to get ours up and running now:j .

2spicy

2spicy wrote: »

cheers .. will give them a call and see if they will accept that once the post has been this morning.

Well post has been and nothing from egg.
called their collections team who have no record of my letters over the past 4 weeks. (suprised .. I am not !!).
anyway, told them I had proof of delivery and its their fault, and I was looking for an answer.
The guy on the phone couldnt say yes of no to me there and thern so has referred me to their specialist lending team (Letter in the post already) so now Ill wait for a response.

salstar_2

Hi, can anyone give me reassurance, am on dmp with cccs but have to reduce this months payment as i have to repair my car. Have spoken to cccs about this and they say i can reduce this months payment, but am scared my creditors wont like this and start ringing me again, dont really want to reduce payment but have to. Has anybodyelse done this just for the one month? and then gone back to normal payments the next month.

dlb

Yep i have before , it was when i was with a fee paying firm, but still didnt have problems from creditors...it was only for one month and before they had chance to realise the payments had lowered they had gone back up again, so if you get any calls you can just tell them `no payments will be back to normal next month.` Any problems just refer them to cccs and hang up
xxx