Without a paddle... support for anyone starting a DMP in 2010 (part2)

pure_dead_dopey

well done Mikon, you're doing everything you can to sort out your debts, so a pat on the back. Try and relax as it's not worth your health.

mikon

Pure Dead Dopey Thank you.

You know what before I started this I could not understand how people survived without credit. But I am now surviving and at this point in time its great to know I am spending my money and budgeting which keeps you very much focused. It can be done and I am living proof that you can live within your means. I am now watching what I spend and you know what I am actually saving money rather than having this blassay attitude of just taking the expensive one. I am finding that the cheaper products do not compromise on quality or taste if you shop around. My driving has improved and I am getting more miles to the gallon so instead of filling up every 6 days I am filling up every 8 days now and thats because my driving style has changed which means I am making a saving.

Anyway thats my ramble for today. Good Luck and don't forget to vote....

true27

tedsd wrote: »

Hi True, been reading your posts on another thread and am going to see if I can get my budget down to the same, initially just for one week starting today! Do you include packed lunches in that and would you say it's the same for 1 adult and 2 ravenous teenagers or would you add another fiver on? Been making lots of soups, curries and pasta recently which is helping as I can freeze half....

Hi Teddy, out of my £50 budget, £30 is spent on food (including lunches for DB and DH) and the other £20 is vet stuff/clothes/cleaning products etc. My top tip for getting your spend down is to decrease it bit by bit, say by a fiver a week until you are at a level that you like. I started out spending at least £80 a week on food and then chipped away until I was happy with the balance between the quality of the food and the amount of money I was spending.

Things like potatoes - buying the big bag of Tesco value is much better than the smaller bags of even Tesco own brand because you're guaranteed to have at least 4 or 5 big spuds you can use for jackets. Whole chickens - Tesco value again (my conscience screams free range at me, but I can't save the chickens while I'm broke). But coffee? Douwe Egberts and Andrex loo roll - because its false economy to have bad quality coffee and loo roll.

Hope that helps - just yell if you have any other questions

pure_dead_dopey

I voted early, my degree is history, so know well what women went through to get the vote, so always make use, although I live in a so called "safe seat", at least I have registered my vote.

It will get easier, we're now 4 months in and it is getting easier, I forget sometimes, just for a moment or two................

freshstart2010_2

Hi
Thanks everyone, feel better talking about and to know i am not on my own. I have a long way to go as just started. Worried though as i offered the RBS a payment myself and sent my financial statement and they didnt accept it and the money payplan are offerring is less!! Will have to see how it goes.

Thanks again

Albiebabes

tedsd wrote: »

Albiebabes wrote: »

DFD gremlins lol Hope the critters stay away:)

Hi Albie, check out a thread yesterday on the main board called The Curse of the LBM....they're everywhere....:shhh:

Thanks Ted, will have a look over the next couple of days (must take a trip to the polling station in a bit, shame they don't have a DFW party:)
Loving the :shhh:

true27

pure_dead_dopey wrote: »

I voted early, my degree is history, so know well what women went through to get the vote, so always make use, although I live in a so called "safe seat", at least I have registered my vote.

It will get easier, we're now 4 months in and it is getting easier, I forget sometimes, just for a moment or two................

I live in one of those "safe seats" too - thoroughly unhappy that its safe for (IMO) wrong party but hey ho, my vote has also been registered, and my sisters as I was nominated proxy for her.

Do you really get to push it that far to the back of your mind? I'd love to be able to do that...

true27

I'm sulking a bit tonight I'm afraid peeps, had to chuck all the lovely letters I wrote offering real money payments and print the old "here have a quid" ones again oh well, hopefully the car will soon be fixed (if not sold) and I can go DMP proper . Have been having a fiddle with the number and I'm hoping (really, really hoping) that next month I'll be able to send a minimum of £5 to each instead of just £1. I think they must all be really fed up with me, even CrapOne have stopped calling!

pure_dead_dopey

Yes True I do put it to the back of my mind, I've done/am doing everything I can save selling my body (and I can't see anyone buying that lol). If something crops up and I have to deal, I deal but after that I really try just to let it lie. It is not worth health, its only money and I have great hopes of being able to CCA the lot one fine day. I look forward to it immensely!!!!

true27

You give me oodles of hope PDD

If you CCA and win do you get your dosh back?