DMP & Mutual Support Thread - Part 8

Time_to_face_the_music

I will always value the learning to budget, I know when these debts are paid off, we will be so much better off for this lesson.

Teetotal? Not for me, I am looking forward to being able to buy the wine I really want, as opposed to the one I can afford. I prefer good mineral water to bad wine so at least I have cut down

Hopelessly_Hopeful

eyeopener2 wrote: »

Great post Antonic and I am with you on the two positives! Becoming teetotal changed my life as has living on a restricted budget. I do wonder what's going to happen when the budget is relaxed post DMP in September but I' m hopeful that all the lessons learned Will stick.

Still scares me slightly, the thought of being debt free in 8 months time.

I want to be scared E2, very scared!

But, in all seriousness.... I know what you mean. I intend to keep posting to support others but to keep me on the straight and narrow also. Will be good to have the next aim in mind, like pay off mortgage and plan for retirement.

HHx

Hopelessly_Hopeful

Time_to_face_the_music wrote: »

I will always value the learning to budget, I know when these debts are paid off, we will be so much better off for this lesson.

Teetotal? Not for me, I am looking forward to being able to buy the wine I really want, as opposed to the one I can afford. I prefer good mineral water to bad wine so at least I have cut down

Still or sparkling water?!

HHx

Time_to_face_the_music

Hopelessly_Hopeful wrote: »

Still or sparkling water?!

HHx

Sparkling with ice and a slice ... of lime

jubilee14

hi all DMP payments off again for month 2 statements awaited but still not able to pay the loan note on my SC statement says to contact them so will do so on Monday not sure how they are going to work this out. Who would have thought it would be so hard to PAY the creditors....

If i dont post tomorrow hope you all have a fantastic xmas and many thanks for all your help and advice its made all the difference to this journey. I dont panic everytime something doesnt go to plan...

fermi

Anyone got an email address or something for Orange that gets through to someone who will actually sort things?

See: https://forums.moneysavingexpert.com/discussion/4356987

I thought I had one, but can't find it right now......

eyeopener2

Hopelessly_Hopeful wrote: »

I want to be scared E2, very scared!

But, in all seriousness.... I know what you mean. I intend to keep posting to support others but to keep me on the straight and narrow also. Will be good to have the next aim in mind, like pay off mortgage and plan for retirement.

HHx

That's probably a good idea. plan for "something" that requires discipline and......er........planning. That way I' m not just drifting and not looking at every penny.

I' m sure all will be well.

Alice_in_Welfareland

Hopelessly_Hopeful wrote: »

Wishing you every success with it. How long were you with Stepchange? Did you use a CFS when you went it alone?

HHx

2 years and 8 months with Stepchange. I used My Money Steps for the budget sheet, the CFS appears to be top secret and only available to the organised debt advice providers. The CAB online seem very similar to Money Steps. Still nothing from creditors and am hoping this is not just a Christmas lull.

Speaking of which, Merry Christmas and Happy New Year to one and all.

Alice

eyeopener2

Question for you good folk......

I paid another debt off with the latest DMP payment but it would appear I got the balance wrong as according to my credit report it was settled LAST month!

Question is.......do I have to do the chasing to get this back? or will Santander inform Step Change?

Creditor is Santander (loan) and provider is Step Change. The amount is £114-00 so no small beer

Time_to_face_the_music

eyeopener2 wrote: »

Question for you good folk......

I paid another debt off with the latest DMP payment but it would appear I got the balance wrong as according to my credit report it was settled LAST month!

Question is.......do I have to do the chasing to get this back? or will Santander inform Step Change?

Creditor is Santander (loan) and provider is Step Change. The amount is £114-00 so no small beer

I would inform CCCS but be prepared to chase the return of the payment myself.

Hope you get it sorted.