Salt 'n' Vinegars Debt Free Diary - Snack Size

in Debt free diaries
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Hi All

I have only just noticed this sub thread! How observant am I?!

:rotfl:

So since my LBM and first post (here) today marked my first true day of wages getting paid into an account and not getting wiped out by payday loans or anything else.

Creditors who accepted my DMP (and even the one who has not!) will be getting their first scheduled prorata payment tomorrow.

As I told them Wonga have not been able to collect payment today and I have been playing email ping-pong with them getting stock template emails in response. They will now be getting emails on a daily basis so I cannot be accused of not attempting to sort this. :)

So after my first step towards being debt free I now consider this my second step! Its a great feeling and I feel very stress free and more positive about my finances than I have in months!

Hope you've all had a great BH!

SNV
LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
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Replies

  • Hi All

    Quick update on Wonga. They have rejected by DMP and offer.

    :wall:

    So have emailed them back explaining my offer is the most I can afford etc.

    Wasn't expecting them to roll over the day after I default so no doubt they will ramp up the interest. Still I can only pay what I can afford so lets see where this goes!

    SnV
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • So first payments from DMP went to creditors today all via standing order. Such a good feeling!

    SnV
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • savingholmessavingholmes Forumite
    23.1K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Just popping along to wish you good luck on your journey... This is the scariest and possibly the hardest bit.... Don't be surprised if some further hurdles or money pits you weren't expecting open up in the next few weeks.... but hopefully long term you can build some positive spending habits and get these debts cleared off...
    Target 1) Prioritise health & social connection 2) Write regularly 42,993/70,000 words Book 2 and 10,787/70,000 Priestess book 3a) Get to £10K EF/Savings Now £4,508 3b) £1.6K Savings for DD Car (Achieved) 4) MFW starting at £201999 Nov 21 with 264 250 payments to go. Now £192,959 5) Mortgage neutral progress via pension £1,887 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • Thanks Saving Holmes!

    Well some really good news on Wonga - they have agreed to my payment plan!!

    This is also the first time in a looooooong time where I have been 2 weeks into the month and I have enough money to last me to pay for groceries and fuel until the end of the month. I cannot even begin to emote how good that feels!

    Chins up DFW's!

    SnV
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • Hello all

    Quick update.

    I noticed a nice DFW challenge for 'No Spend Days' (NSD's).

    So I decided to start this challenge on Monday gone and am up to 6 no spend days already!

    Its not exactly in the complete spirit (i.e. spend no money at all) but my plan is to not spend any money that isn't in my I/E sheet.

    Biggest weakness is popping into the local corner shop for milk and chocolate!

    Up to day 6 already!

    SnV
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • Just thought I would change my NSD counter to STB (sticking to budget) counter as didn't think it was fair to compare myself to those brave NSD challengers!
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • Hi All

    Today is a big day for me!!!!

    I have reached double figures on my STB challenge!

    I know this may seem trivial for some people, but to go 10 days (actually been a bit longer but started counting 10 days ago) without going into the corner shop to buy a bottle of milk, some chocolate, or to 'top up' the groceries with some junk food is a massive achievement for me!

    I have spent no money at work on lunches, and haven't even touched my clothing/dentist/haircut/emergency money either so for the first time in a loooong time my bank account is looking almost healthy.

    :j

    SnV
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • Hi All (and diary).

    Another big milestone today - 3 weeks have gone on my STB challenge!

    This is the longest I have ever gone without spending my hard earned money on 'something', other than budgeted.

    I thought I had blown it last Friday as I had to send some letters to a DCA recorded delivery (which cost the princely sum of £1.15) but realised I could put this down in my 'emergency' budget (£23/month).

    No money has been spent going to the sandwich shop for lunch at work (packed lunches etc), and not going into the corner shop is incredibly noticeable on the state of my finances.

    Things are looking much more positive at the moment!

    Best

    SnV
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • Hi All

    4 WEEKS!!!!!!!

    I have now gone 4 weeks sticking rigidly to my budget!!

    :j

    Massive milestone for me, just need to get to Friday now for payday and that will be a proper month!

    SnV
    LBM & Debt July 2010 [STRIKE]£19,000[/STRIKE] now - £11,619.60 Long Haul Supporter #247

    Remember Income > Expenditure = MSE Heaven :A and Income < Expenditure MSE Hell :(

    Current STB (sticking to budget) Counter - day 109 (Personal Best - 109 days!)
  • Good work Mr SnV - As one of the more welcoming people on this forum, you deserve good fortune and debt reduction!
    People seem to like me because I am polite and I am rarely late. I like to eat ice cream and I really enjoy a nice pair of slacks. Years later, a doctor will tell me that I have an I.Q. of 48 and am what some people call mentally retarded.
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