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Wanted to say thanks....
Brassic
Posts: 557 Forumite
....for all of your good advice! I've just come off the phone to CCCS, and lady was very impressed with my budget :cool: Said there was no where else I could cut back - and that my food budget was too low for a family of 5(I had given 350 which I'm hoping to reduce substantially - apparently government guidelines is 400-450! :eek: )
Soooo, she said it was very borderline whether I needed to go on DMP or not (on her budget we are about 100 short of meeting all our creditors demands - I'm sure with care I can sort that out) - so I'm going to give it a miss and continue with my snowball plan. She is sending me through a revised budget which will help give me a better idea of budgeting for car/home maintenance, as well as chirstmas/prezzies etc, and also some advice on how to tidy up our credit history, as apparently we can get rid of the black marks against things we've paid off, which I didn't realise :rolleyes:
So, all good stuff - and all thanks to the kind folks on here. I have a DFD goal to work towards, have conviced hubby to hand over the financial reins to me(!) and am feeling really positive about it all, although I know it will be a long haul - it'll be well worth it in the end!
THANK YOU! :T
Soooo, she said it was very borderline whether I needed to go on DMP or not (on her budget we are about 100 short of meeting all our creditors demands - I'm sure with care I can sort that out) - so I'm going to give it a miss and continue with my snowball plan. She is sending me through a revised budget which will help give me a better idea of budgeting for car/home maintenance, as well as chirstmas/prezzies etc, and also some advice on how to tidy up our credit history, as apparently we can get rid of the black marks against things we've paid off, which I didn't realise :rolleyes:
So, all good stuff - and all thanks to the kind folks on here. I have a DFD goal to work towards, have conviced hubby to hand over the financial reins to me(!) and am feeling really positive about it all, although I know it will be a long haul - it'll be well worth it in the end!
THANK YOU! :T
Debts @ lightbulb moment (13/06/2006) - £59,842.23 :eek: All commercial debts now clear!!! :T Debts April - £20,000 to family (incl extra £10k borrowed for house deposit). DFD - Aug 2014
Proud to be dealing with my debts
Goal of the month - £500 on groceries for family of 5 - Apr 2011 - £620!
May - £454.85 so far.
Proud to be dealing with my debts
Goal of the month - £500 on groceries for family of 5 - Apr 2011 - £620!
May - £454.85 so far. 0
Comments
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That's great Brassic - well done!
Dec 2005 £8,500
April 2007 £0
Paid Off Since Lightbulb Moment £8,500
Debt Free Date: APRIL 16 2007
:j :j :j :j :j :j :j :j0 -
Brilliant news and great to know that the lady at the CCCS was supportive of you.
Well done!"Debt makes plans for you" - A quote from my friend Catherine. How true!0 -
well done to you!! it's really wonderful when you see people taking care of things like that!!:TMFW Newbie - #17. (#116 in 2019)
New Mortgage at Nov 19 - £273 499
Current Balance - £268 225
Want to cut down 26 year mortgage by 9 years!
New MF date 2036 :dance:0 -
well done, must be a great feeling to be told that you have worked it all out for yourself!Debt Oct 2005: £32,692.94
Current debt: £14,000.00
Debt free date: June 20080 -
Awww, well done!! :beer:Official DFW Nerd no. 082! :cool:Debt @ 01/01/2014 £16,956 Debt now: £0.00 :j
Aims:[STRIKE] clear debt, get married, buy a house[/STRIKE]
ALL DONE!!
0 -
well done. Glad to see things going well for ya0
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Fantastic news. Well done.
£400 on grocery shopping!! Where do these people do their shopping? Waitrose?Organised people are just too lazy to look for things
F U Fund currently at £2500 -
Well done you! :jAll comments and advice given is my own opinion and does not represent the views or advice of any debt advice organisation.
DFW Nerd #1320 -
Well done, you sound as though you are on the right track. It will be great to see the debt go down.
Peppa
x0 -
Well Done! Good news! I'm glad CCCS were so helpful as I think that might a port of call for me soon!Official DFW Nerd Club #20 :cool: Proud To Be Dealing With My Debts DFW Long Hauler #109
Slowly, Slowly = Oct '09: £30693, Aug '15: £14820. Could Be Debt Free April 2020, but hoping for sooner!0
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