DMP Mutual Support Thread - Part 7

vixx

ianmak wrote: »

Hiya and welcome,

Sounds good in theory, but till you're up and running it maybe worth sticking to that basic wage, and putting the extra away for emergencies, then make the odd overpayment if you have it available, say once every six months or so, rather than at irregular times.

Just my opinion though!

Thanks ianmak, it does sound more sensible.

So I can do that then? Keep any bonus I get and then pay every six months to get the debt down?
Just worried that it looks like I earn more than I do as last couple of months have been good for me.
Though this months will be a lot less

ianmak

bones65 wrote: »

Having a bad time recently. With split up of partner due to my debts and other contributing factors feel like im going of the rails here.
As i have been paying all the bills etc and OH been paying for shopping and spending money cant afford to go out at all now. OH still lives in property and wants it sold and have just found out my payment to CCCS was not taken out this month as i didnt have enough in the bank to cover it I had increased it and the TV licence quarterly payment came out too. Feel like im sinking, got my panic attacks back to.:(

Please don't get down. Speak to CCCS if you need to, these things happen at the start, espesh in your position, but they will begin to settle once you get used to your budget.

It helps with me that EVERYTHING with regards bills comes out monthly. I can't cope any other way!

bones65

Better day today sun shining its friday and nothing planned for weekend. Ebay sales are going well now so xtra money there too.
Spoke to CCCS who have rescheduled there direct debit money now in acount to cover. 2 weeks to payday 15th so going to be a tight couple of weeks. Saved £90 this month with cancelling subscriptions and switching to cheaper energy supplier.
On the Up again and im Fighting Back:T

MissPriss

You're very welcome Twins! I agree, file and forget

Hope everyone has a good weekend. Forget the stress and enjoy the weather!

MP

Twins

MissPriss wrote: »

You're very welcome Twins! I agree, file and forget

Hope everyone has a good weekend. Forget the stress and enjoy the weather!

MP

Thanks Miss Priss! Have a wonderful weekend too, enjoy this great weather x

NoPenniesWellies

Hello...

I have been lurking for a couple of days and feel I must come on and thank you all for being an inspiration. I have been on a DMP for almost 2 years and I had started to slip a little bit in terms of my budget etc.

I hate that out of control feeling and was finding myself worrying about bank balance again which I haven't done since on the DMP as everything was totally budgeted and 'spreadsheeted' until recently.

Anyway 'long story short' and all of that, after reading the whole thread over the last week or so, I have given myself a shake, and sat down for a few hours & re wrote my budget and I feel in control again, its almost like that initial weight off your shoulders feeling all over again!!

I also decided to call all of our creditors for an upto date balance, it turns out one of our main creditors had for some reason forgotten to remove the interest 'ticker' on our account even though they had agreed to remove the interest. They have been getting a £22 payment and charging £54 interest! So they have now removed it and refunded the charges to the account! Result! If I hadn't called them it would never have been picked up!!

So I know exactly where I am now, both in terms of budget and also debt balance, and yes its going to be a long road but I am once again prepared and actually feel optimistic!!

I have paid off 10% of my debts in the last 2 years and I hadn't been looking at it like that, it was always about that far far in the distance DFD, but I think that 10% totally of the balance and not on fees and interest (all 11 creditors have now removed these) is a real achievement and I am now feeling really upbeat about it all. I probably would have still just been paying charges now and not touching the balance (infact it the balance probably would have been increasing!) if it wasn't for getting in touch with the CCCS

I am so pleased that I swallowed my pride and accepted help rather than burying my head in the sand to the mess we were in (due to redundancy- both my DH and I) If anybody is lurking, please call CCCS/Paypal you'll never look back!

:j Thanks again!!! :T

bones65

last saturday bought myself a money jar which counts the pennies as they go in. Started saving all the coppers and 5 and 10ps that normally end up down the sofa and have accumalated £12 in the jar, Just think before these small coins just disappeared. Highly recommend anyone to get one of these jars £2.99 thats all. Great way of saving

Ebay sales today have reached £25 and still 7 hours to go....:j
will package and post these tonight then set about finding more clutter i dont need.

Twins

bones65 wrote: »

last saturday bought myself a money jar which counts the pennies as they go in. Started saving all the coppers and 5 and 10ps that normally end up down the sofa and have accumalated £12 in the jar, Just think before these small coins just disappeared. Highly recommend anyone to get one of these jars £2.99 thats all. Great way of saving

Ebay sales today have reached £25 and still 7 hours to go....:j
will package and post these tonight then set about finding more clutter i dont need.

Good job Bones! I too have got one of those Terranandi jars and am putting away pound coins hoping to build a nice little fund. Also, have listed a lot on Ebay this weekend and hoping they will all get bid. :T

hunny123

I am looking to start a dmp at the moment, have spoken with the cccs only via online and they have told me an amount of £233 would be what they would take but at the moment ive not missed any credit card payments can i set this up before i miss any or do i have to miss them first of all ??

Also can i still get things like ccj's issued to me as i dont understand how this will help me....ive not had time to ring them due to working etc i can come on here and ask as im not using the phone then ....

If someone could give me a breakdown of how this all works would be very grateful

Thankyou

xx

Growurown

Hi All,
Remember that windy day when BO was visiting and Prince Charles's comb over was in disarray? Well that was the day our telegraph pole blew down and have been without the internet or phone ever since, and BT reckon it won't be fixed until the end of this week! One advantage though - no creditors calling, but unable to get on line to sort out the bank accounts. Plus hubbies useless work paid his wage into the old bank account which caused a bit of a problem. I wanted to notify the old bank that the over draft is going to be included on my DMP but have had to put this off in case they decided to keep all our wages.

Anyway these things are sent to try us and I am getting my DMP underway. It won't be pretty but thanks to all the useful advice I have read here I am feeling positive and know what to expect.

So thanks guys, will keep you posted.