My dmp startout journey

scared-sick

Rochdale_Guy wrote: »

Sorry, taking over this thread aren't I?
I'll step back into the shadows. Bye.

Dont be silly RG....it is nice to know there are other people out there in the same boat.

Any any questions you ask that get answered mean I learn all the more and they are things I needed to know too!

So you just carry on!:D

Rochdale_Guy

Thanks!

You're all really nice people on here in "internet land"! LMAO
I feel safe and as if I belong, which is nice

I shall have to go soon and make my tea, beans on toast - it's all I can afford

FabuLass

Ooooh was that me that did the slapping?? Hehe Im a bossy so and so......and while we.re at it RG, no more hiding in shadows, come out here with the rest of us skintos now that our lightbulbs lit up

scared-sick

I used to be of the same opion that what happens in emergencies etc. However, it had got to the point where I was maxed out on credit cards and could not get anymore, so what is the point of having a credit card I cannot use!

Second, if I did have an emergency and somehow did manage to get credit, I am so pushed to the limit, I couldnt afford to pay back another penny.

So when I first did the cccs debt remedy then rang them, the man said, is that enough for food, you havenet put anything down for this that and the other. I felt guilty putting down money for things I have had to do without for months and months. As he said though, this is for the long haul so I need to make sure I am comfortable with the budget but not extravagant! I will now have money for food and petrol WITHOUT having to work 40 hours overtime and never seeing my son!!

I also get to put a small amount into an emergency fund! I have also read on hear that if something unexpected does come up, ring cccs and they will adapt your payment that month to help you get by! This seems like amuch better option to me.

FabuLass

Oh....also I felt as if I wasnt credit checked because I didnt ask for account with overdraft....might be wrong about that tho....

Rochdale_Guy

FeeFeeDee wrote: »

Ooooh was that me that did the slapping??

Hehe Im a bossy so and so......and while we.re at it RG, no more hiding in shadows, come out here with the rest of us skintos now that our lightbulbs lit up

Yes, it was you FeeFeeDee! But it's okay as I only needed one person to tell me to "avoid an account with an overdraft" kinda thing to make the penny finally drop

In the spotlight from now I, I promise!
:grouphug:

scared-sick

FeeFeeDee wrote: »

Ooooh was that me that did the slapping?? Hehe Im a bossy so and so......and while we.re at it RG, no more hiding in shadows, come out here with the rest of us skintos now that our lightbulbs lit up

Good luck with your journey Fee. Is your DAS the same as a DMP?
You are right about us having the lightbulb moments at the same time.....must have been like blackpool illuminations!! haha

FabuLass

I was exactly the same ss, nowhere left to turn if there was an emergency, but now it will take a month or more to all kick in, so im saving all the cc and loan payments im not making this month...that can be my emergency fund

Rochdale_Guy

I think the hardest thing is getting into the mindset of making an SOA that includes everything you would normally put on a credit card into the SOA, for example I'd bung my annual £1k car insurance on a card, then the last lot of servicing at £350 on one also = which will now equate to £112.50 a month for car insurance and servicing etc!

Must remember to divide this all up into 12 payments and that I won't have any credit card usage soon.

scared-sick

FeeFeeDee wrote: »

I was exactly the same ss, nowhere left to turn if there was an emergency, but now it will take a month or more to all kick in, so im saving all the cc and loan payments im not making this month...that can be my emergency fund

Me too hun!! What a difference it will make to know I have a little bit of money if I need it. It was amazing what was classed as an 'emergency' when I had the credit cards!

Now I am hoping to hold onto that emergency money for as long as I can!!

When do you make your first dmp payment? I am hopig I will have everything sorted and set up for cccs to take the first payment on 1st april.

Off to watch a movie with ds now. Will be back on later.

RG...enjoy your beans on toast!! yum!