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Our DMP Adventure or We Don't Have a Clue!
Comments
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afternoon br
sometimes you just have to get out and say s*d it all and let your hair down (or walk in the rain with ice creams, whatever lol) 
Do you pay for all your bills at the beginning of the month? If so why don't you divide whatever you have by 4 (or 5 if 5 week month) and take out one weeks worth and that can be for food/petrol/entertainment etc. If you run out you run out but you know you only have a few days at the most before you can get some more money out and start again. Rather than panicking for a whole month you can just take weekly amounts i found this used to help me and still does if i'm having a bad month money wise xxMortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
EF- £442.41/500
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That's quite a good idea.
We pay for all the bills on DD throughout the month, but I know how much we have left after those are gone, we take them off first, if that makes sense and then have the monthly budgets for food/petrol/everything else.
I then count it down over the course of the month.
We buy a big shop at the beginning of the month and then get 'top-up' shops as and when (always with a list).
What we could do is do a weekly shop, divide, as you say, the money up into weeks instead. Psychologically that might be better, you never know!
Today's 'top-up' shop cost about £30 - Aldi and Asda combined. However, Mr BR has now gone to Tesco for some petrol, and some coffee *sigh*Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568
Oct 2012 = Current debt: £40,548.93
Oct 2013 = Current debt: £39.054.70
DMP Support number 424 - Long haul number 3080 -
Well, a nice win on the National would be nice ...Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568
Oct 2012 = Current debt: £40,548.93
Oct 2013 = Current debt: £39.054.70
DMP Support number 424 - Long haul number 3080 -
I think DFW's idea of dividing your budgets up weekly is a really good idea BR and may well work nicely for you.
Yes I agree, a nice win on the National would be just what the doctor ordered wouldnt it !! Maybe we should have all pooled our 2p's and put on joint bet on !!:rotfl:LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 4280 -
We divide ours into weeks which we take out in cash and that works for us.
You could give it a go for a couple of weeks to see if it works? If not you could go back to how you do it at the moment.
Like the idea of a National win... I have no idea what's good though so don't ask me for recommendations! Miggy
MEMBER OF MIKE'S MOB!
Every Penny a Prisoner
This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)0 -
Well, not only did I not win, but my poor horse had to be put down!Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568
Oct 2012 = Current debt: £40,548.93
Oct 2013 = Current debt: £39.054.70
DMP Support number 424 - Long haul number 3080 -
We divide ours into weeks which we take out in cash and that works for us.
You could give it a go for a couple of weeks to see if it works? If not you could go back to how you do it at the moment.
Like the idea of a National win... I have no idea what's good though so don't ask me for recommendations!
We just choose the horses whose names we like best !LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 4280 -
BlushingRose wrote: »Well, not only did I not win, but my poor horse had to be put down!
Oh no !! We put a small amount down on Shakalakaboomboom who was ahead right until the last jump, and then came in 9th !
So no wins here either !LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 4280 -
£66.50 wins here for us
...........although winning horse was ds1 so he wants the money after i have taken my £20 intial stake out 
(£20 for 5 of us not just him lol but he's paying for it from his winnings lol) xx Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
EF- £442.41/500
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wow, well done!
Our total stake was £14, we had two horses each and one on a sweepstake. The sweepstake horse was Sunnyhillboy!!!!! Pesky thing came in 2nd *grr* We would have won £40..Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568
Oct 2012 = Current debt: £40,548.93
Oct 2013 = Current debt: £39.054.70
DMP Support number 424 - Long haul number 3080
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