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

candypop

Dont know what to do my DS whose 8 started football training on a sat and wed a few weeks ago... he is friends with the son of a friend at work who asked if he wanted to join. Anyway just about managed to get money together for boots and shin pads but now today got a letter saying subs are due wait for it £100:eek:

Thing is he joined cubs just as my DMP started subs are £20 a term which I can manage but I just cant find this extra £100. How on earth do I tell him I'm hoping he decides he doesnt like it but I just cant see that happening.... feel such a failure that I cant provide for him

andyD_2

Hi Candypop,

I know excatly how you feel, we have been trying to explain to the kids that they cant have everything but it is so hard for them to understand and you dont really want them to understand the in's and out's anyway.

My problem is there is a really great summer camp which runs near me which is based just a little way up the mountain and is all outdoor activities like zip wires etc, this was to be the first year my ds was going to get to go and I know he would just love it, all his friends are going and his best friends mum keeps asking o what week will we book, problem is it is £75 for 1 week:eek:, I do really really want him to go and have some fun but:eek:, so hard to justify it when in so much debt.

It does make you feel useless as a parent:o

pure_dead_dopey

Morning All

Can't help with the littlels things as mine are adults, its not great news but it doesn't go away, probably because my two have been brought up in an affluent household (fuelled by credit card debt). They still find it difficult that I can't lend them cash, or pay for flights on my now non-existant credit card and let them pay back at their leisure. In effect, the bank of Mum and Dad has withdrawn services, and they find it hard, cos its always been there, I feel guilty cos I can't help them the way I would wish. So probably the unpalatable answer is that you have to explain it all to them, or take it off the food budget and work like a looney to make it work for a month, not a bad idea to explain that scenario as well. You're not being a bad parent, you're being an honest parent, and sometimes that isn't easy.

GibbsRule_No3

Not a parent so cannot help much, never been in that situation. Is the play activity likely to be over subscribed? Judging from a work colleague with kids, things she tries to get hers involved with often are if she does not book early. So maybe a little white lie, that you were too late signing up this time, giving you the chance to put a little by for the next time. Re the football subs good idea to ask about instalments, I have a feeling unless you feel able to explain the money situation, not easy and probably not likely, that they will feel you don't want to front up the money in a lump sum incase the child does not then want to go after a few lessons.

New wheel cost £50, with birthday money from this week, I'm still down £20. Luckily arrangements were in place with most people that "if you don't give me anything, I won't give you anything" before the DMP started. So am I strange in thinking come December to March, because of Water rate and Councul tax I will have a spare £350 towards an emercency fund? Cannot believe I am wishing my life away like that.

naomidavies

hi im in the process of starting a DMP with payplan , please can i have a paddle

naomidavies

hi

can anyone advise , im in the process of dmp with payplan , i have a credit union savings account with about 200 saved and i owe them about 200 , will this affect my dmp because i save 15 pound a week with them ? they take 3 pound savings and 12 pound off what i owe them, will i have to include them in my dmp \.?CONFUSED:eek:

pure_dead_dopey

welcome Naomi,

Nataz will be along in a while and supply your number, I'm sorry, don't have any dealings with a Credit Union so just don't know, but I am sure Payplan have come across it before and will be able to advise, they are lovely and won't mind you phoning.

Good luck and keep posting, ther will be ups and downs but it WILL GET BETTER, really.

Professor_Pat_Pending

Hi guys, been swamped with birthdays for the last week, 4 of them!!!! (BH, eldest, mum, Mum in law), hence my absence.
No news re. DMP, quite boring really. All frozen interest, all bar SCHITI accepted DMP, am anticipating more hassle with them but it has yet to materialise.
Hope we are all enjoying the weather. PP

newbeginning_2

:wave:

I'm still here too!

Hope all the missing members are well.

pure_dead_dopey

Hi Guys

Just popped back in as one of my small businesses was unexpectedly closed, how do they expect to make money if they are shut!!!!!

Nothing much happening on the DMP front here either, got my appointment for my review and awaiting result of FOS for Amex, other than that, ploughing on as usual. Finally looked at this month's totals, we've come a fair way but a verrrrry long way to go, unenforcability is becoming more attractive by the minute!!!!