DMP & Mutual Support Thread - Part 8

Time_to_face_the_music

Happy New Year everyone

Here's to lots of help, advice, support and debt busting in 2013 :j

TTFTM x

katy_ann

Happy new year DMP-ers! x

Alice_in_Welfareland

CommitedToChange wrote: »

Afternoon all

Well I have been a very stupid DMPer. I got a nice new shiny job in January - enjoyed my wages for a bit then upped my DMP to knock about 40 years off it!

However I then kept spending and enjoying myself and have managed to rattle through my saving and my tax money in a stupid stupid spending haze. I really don't have much to show for it - except for some nice homebrew equipment (thank god as I am not going to be buying much in the next year).

I am a total idiot and I now have to face the fact that while my budget is happily in place, I have no emergency money, and a tax bill due in Jan that I can't pay (not that I've even filled in the self assement form yet :mad:)

I just wanted to come on here and confess my sins - and pledge to be a better DMPer in 2013 - to visit here and do challenges as it keeps me on the straight and narrow.

I have started a second job - but it doesn't have a guarenteed income, so I'm hoping for an extra £100 a month but can't guarentee it, I'm also now swagbucking and I AM going to sell all my cluttered hordings on Ebay.

So wish me luck guys - I think I'm going to need some support in the next few months - esp when I actually do my tax return :eek: and then phone them and admit I have no way to pay it. Luckily it shouldn't be too big - around £500 so I could pause my DMP for a month to pay it or do installments - not sure which is best.

Oh, and I have a holiday booked for NY in May for my Dad's 60th which I haven't finished paying for yet - see total idiot. I could afford it before my mad spending spree. I just reduced my food budget - but with the tax bill as well.......

SO anyway, I see a long few months of whoopies, staying in and ebaying and swagbucking like mad. Hopefully this slip will teach me a lesson and once my DMP is over I won't pull cr*p like this again.

Thanks for listerning guys. :beer: and sorry for any spelling mistakes as the spell check refuses to work. :cool:

You know what you need to do. Good luck on getting back on track quickly.
Alice

Alice_in_Welfareland

Happy New Year DMPers. Best wishes for 2013 and good luck with your debt challenges.
Alice

CommitedToChange

Happy New Year - here's to clearing more debts and to achieving all our goals

:beer:

Jubilee76

Happy new year all :beer:

Growurown

Happy 2013 everyone. Exciting times ahead and looking forward to tackling my debt.

You must be excited HH to be getting close the finishing line. Can't wait to be there myself:D

Freshstart2012

Hi

Does anybody currently pay £100 a month into their StepChange DMP, I currently pay more than this but feel that I may have to reduce my payments next month due to a reduction in income and I don't want to risk my whole plan, if StepChange don't accept payments of £100 a month.

CommitedToChange

When I first started I only paid £73 per month - I was self employed and I couldn't guarentee any more - that wasn't a problem on the basis that I couldn't do it forever (47years to clear debts!).

Since yours is due to a reduced income I can't see a problem. All you can do is call them and discuss it.

scottish_stresshead

Hi ! :T

I am a newbie! StepChange have just set up my DMP and first payment is coming out start of February (didn't realise it would be set up quick, was due to come out yesterday but phoned them to explain i don't have money for the payment so have moved it)

Wish I had done this sooner as I have had many many months getting rubbish sleep stressing over the debts and when i was going to manage to pay back!

This way, I will now be debt free within a year which is great news!!! so fab thing to start with in 2013 knowing im going to be debt free by start of 2014 at earliest!

happy DMP'ing ! All the best for 2013 ! xx