Starting my DMP on 1st Feb... Anyone want to join me?

kaths101

Bunny is ok now thanks, just not my bank balance but hey I dont mind - she is worth it and it will help my weight loss! roll on the 28th! payday!

Chrisblue1962

Hopefully starting DMP in March...just a few (ahem) "loose ends" to sort out before then. Owe about£19k to 7 creditors, ranging from £140 to £4.5K. May take 13 years to pay off so best get started

kaths101

Chrisblue1962 wrote: »

Hopefully starting DMP in March...just a few (ahem) "loose ends" to sort out before then. Owe about£19k to 7 creditors, ranging from £140 to £4.5K. May take 13 years to pay off so best get started

welcome to the club!! better to start sooner rather than later :j

Achelois_2

Chrisblue1962 wrote: »

Hopefully starting DMP in March...just a few (ahem) "loose ends" to sort out before then. Owe about£19k to 7 creditors, ranging from £140 to £4.5K. May take 13 years to pay off so best get started

Welcome! Its not a race its a marathon - you will get there in the end! At least you have found the place to come for lots of support. Here's to your Debt Free journey

A x

true27

Oh I love the idea of stress-free Tuesday!! Great to see a smile on your "face" Ted

I've been making a PAD (payment a day) into a special MSE snail (called Sidney ) for about 3 weeks now and for the first time Sid is all full up :j!! I can empty him and I can take his contents to the bank and bye bye £70 of overdraft :j :dance: :j

Loving this new found confidence, really loving it! MASSIVE thanks to you guys, its great just to pop on here and *see* you all

Achelois_2

tedsd wrote: »

GOOD MORNING ALL!:)

Nataz, True and Coffee Break - feeling great today thank you!! Treating myself to a stress free Tuesday, answering no calls and opening no letters! Coffee Break, glad you've finally set off on your DMP journey...I'll be joining you in April (fingers crossed)

Kaths101- glad bunny is ok now!

Chris1962 -Welcome!!! Good to have you on board, we're all here for a while to come... now, for your induction course, how are you with Aldi trolleys?:D

Glad to hear you are back on track today Tedsd! Ignorance is bliss when we ignore all that post and miserable calls! Have a good one

mamajojo

New Aldi challenge...as they are basket free (well the ones round here are!) how many items can you balance on top of the hood bit of a buggy before precious little one gets wind of what you are doing, pulls the hood and sends all items flying across the floor. Only went in for the 39p leeks I read about on here. DS successfully scattered and battered all my bargain fruit and veg!
Trying not to think about dmp today and what might go wrong, going to stop reading frightening threads too and stay positive PMA?! Watch the phone start ringing!

newbeginning_2

True27 - Are you on a DMP? If so I thought extra payments weren't allowed? Or have I go that wrong?

coffee-break_2

Afternoon all, glad your all having a positive day :T. All quiet here today, no letters or phone calls, so nothing new to update

Thanks tedsd, look forward to seeing you in April :beer:, the CCCS wagon won't leave without you .

£70 in Sid the Snail, True? That's fantastic :T.... shame Mr Fat Cat the Banker has to get his mitts on it, but yay to the o/d going once and for all :j.


Welcome Chrisblue1962 and Achelois, help yourself to refreshments :beer: .

x

true27

newbeginning wrote: »

True27 - Are you on a DMP? If so I thought extra payments weren't allowed? Or have I go that wrong?

Hiya newbeginning I'm just starting out on a self-managed DMP, sent my letters yesterday so that's how I'm getting around the rules. I'm still going to keep feeding Sid once my DMP has been accepted, although anything that goes into him will be paid into a savings account which I'm going to set up with a view to making F&F's. I think you can make extra payments on a DMP but if you send the extra dosh to CCCS (or whoever) then they will spread it out pro-rata to your creditors. Might be very wrong however, so I'd check before you start making extra payments