DMP & Mutual Support Thread - Part 8

Grand_Benders

Time_to_face_the_music wrote: »

Oh no! The spreadsheets are out :rotfl:

By the way, do you know it's 1506 minutes until the 25th when I can update my signature

My CCCS statement was ready today. First one, so happy to bring down the total a wee bit at last! Maybe worth logging in and checking it?

Tigsmom

I'm hoping one of you 'geeks' can help me. What do you use to do your spreadsheets? I've got excel but is there a template or software I can get to make it easier? At the moment I'm copying the budget list I did for CCCS and am changing the amounts to whatever I spend that month. It's not really working though because I'm completing it after we've spent it instead of being able to see what's left to spend. I'm hopeless at this!

Time_to_face_the_music

Grand_Benders wrote: »

My CCCS statement was ready today. First one, so happy to bring down the total a wee bit at last! Maybe worth logging in and checking it?

Yep mine is there too but I don't update my signature until I can actually see the CCCS payment in our online accounts plus have updated any added interest etc on the CCCS website.

Sad? Yep that is me

Time_to_face_the_music

Tigsmom wrote: »

I'm hoping one of you 'geeks' can help me. What do you use to do your spreadsheets? I've got excel but is there a template or software I can get to make it easier? At the moment I'm copying the budget list I did for CCCS and am changing the amounts to whatever I spend that month. It's not really working though because I'm completing it after we've spent it instead of being able to see what's left to spend. I'm hopeless at this!

Ummm, we have got 3 spreadsheets at the moment plus the information on CCCS website

Ours are just on excel but OH is a teacher and a bit of a whizz with excel so they do sing and dance and have flashing lights and tinsel :rotfl:

Tigsmom

Time_to_face_the_music wrote: »

Ummm, we have got 3 spreadsheets at the moment plus the information on CCCS website

Ours are just on excel but OH is a teacher and a bit of a whizz with excel so they do sing and dance and have flashing lights and tinsel :rotfl:

Ah. I need a teacher then! There are several in our family but no maths ones If I needed help with P.E. or English I'd be fine though...

mum2one

I'm just about to jump into the offical DMP world, got my paperwork from CCCS, new bank account sorted, all incomings from next week go to new account,
Just got to hope like the man from del monte the creditiors say yes........ x

mum2one

Tigsmom wrote: »

Ah. I need a teacher then! There are several in our family but no maths ones If I needed help with P.E. or English I'd be fine though...

I did a basic spreadsheet, but I've brought a mid year diary, and then can update each page daily, as for me I have 5 lots of money going in at different times, - so can plan the incomings in the dairy.

Then I have an a4 folder, - start the month with whats left from last month and add all incomings outgoings on there, even if my bank says I have £50 available to spend and my folder says zilch i know my folder be right.

Sounds daft but your find a method thats best for you x
vb

Hopelessly_Hopeful

Grand_Benders wrote: »

I'll try and remember to post back here, once I successfully remember to phone CCCS while I'm next to a house phone and not having to pay extra outwith my plan on my mobile to call their 0845 number. Might be next week before I make that happen, as I have 'holiday brain' at the moment! :rotfl:

Thanks

I have found the compass website. It does say they specialise in bad credit history but typical interest rate for mortgage is 8.7%!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I was peed at 5%, oh my!

Hope you have more luck

HHx

Hopelessly_Hopeful

Growurown wrote: »

HH can you explain please about the monitoring variance? This is appealing to the geek in me.:D

Hi

If your food shop is £40 and your budget is £38 then the variance is £2 to find

If your fuel bill is £70 and your budget is £80 you have £10 in credit over.

£10 - £2 means you are still £8 in credit for that month, phew

Use same principle over time to see if the individual items eg fuel and food budgets are set at the right level. If variance is over then a) change behaviour to keep in budget or b)increase budget in that particular area. Just helps to keep on track

Hope that helps. Personally any number crunching helps to keep me in control and focussed on the goal.

HHx

Hopelessly_Hopeful

Time_to_face_the_music wrote: »

Oh no! The spreadsheets are out :rotfl:

By the way, do you know it's 1506 minutes until the 25th when I can update my signature

I was a rebel and updated 6 hours early.

Victory of sorts with BC, my complaint was investigated, 2 months interest reinstated and £50 for inconvenience, interest zero again for now.

Fab news but I had to update my spreadsheets and projections, chore.......:)

HHx