the road is long.... 19 August 2012 at 8:34PM in Debt free diaries 10 replies 873 views

maccymum

finally after having my lbm and contacting cccs i am starting a dmp, this is all my own fault (with help from dh and kids) but i want to gain control again and this is the way forward.

yesterday i cut up all cc and felt great....reality today feels scarey as my car needs work (local lad doing it on cheap) but dont think i have enough to pay:( dd says she'll pay until dh gets pad on fri....bless her:A. i have started sealed savings tin for christmas but dont want to open that.

have planned all meals for week so organised! i am back at work tomorrow and all lunches are made.


good luck all have a fab week!

M xx

redkez2012

Hi maccymum, well done for starting your diary, I know how you feel about the car, mine broke down today and I have a mechanic friend coming to look at it. I hope you get yours back on the road really quickly. Keep updating, im going to subscribe now. RK2012 x

maccymum

thanks rk2012

car wasnt as much as we though £70 bad enough!!!



well i am back to work with everyone talking about the great times they have had abroad (i am sooooo jealous but my own fault)

i am still awaiting to hear back from cccs about when my dmp will start, but i am positive its the right step for us!

got a letter from credit card today "blah blah we are happy to increase your credit limit" mustve crossed in post!

well onwards and upwards!!

M x

Giggles86

Good luck Maccymum. Great that the car didn't cost as much as you thought it would Am off to subscribe Giggles x

mum2one

just to wish you good luck, sounds like just behind you with the CCCS - finally did the debt rememdy to the T, and says DMP so am waiting for all the offical info. Just grabbing all info, got new bank account, cut up cards, and braved 1 creditor, and once said CCCS, no problem just ring when you have the number,

Good luck xx

maccymum

mum2one wrote: »

just to wish you good luck, sounds like just behind you with the CCCS - finally did the debt rememdy to the T, and says DMP so am waiting for all the offical info. Just grabbing all info, got new bank account, cut up cards, and braved 1 creditor, and once said CCCS, no problem just ring when you have the number,

Good luck xx

its a daunting thought isnt it....but we'll get there i am awaiting cccs getting back to me now they have my stuff!
gd luck with yours xx

beanielou

Happy shiney new diary to go with your DMP.
Keep posting!

Bleachbird

Hiya,
Looking forward to reading how you are doing as I'm on the dmp road too from October so will be learning from you! Good luck!
bb x

maccymum

Bleachbird wrote: »

Hiya,
Looking forward to reading how you are doing as I'm on the dmp road too from October so will be learning from you! Good luck!
bb x

we are embarking on the journey at the same time....mine is strting oct 1st!
good luck with yours too:j

xx

maccymum

had a very low day today
dh was out walking with his friends, i was home with teens, dd wanted to go out and asked me to go but i had to say no as i have no £..... it felt rotten to say no but i know all £ is tight due to starting the dmp!
think reality is hitting in .....and i know its all MY fault for liing outwith my means for such a long time!
its just week 1 for me and so far....car needed fixed (dd borrowed me £ i paid half back this week and will pay other half when i get paid), hoover is playing up and refused a nite away with friends because we cant afford it!

sorry for whinging, i will get used to this new way of living! just needed to let off steam


have a good week all

x

Bleachbird

Hi Maccymum,
Sorry to hear you have had a rubbish day yesterday. You have had such an expensive time by the sounds of it which isnt a normal months spend so things will look up again soon I'm sure.
Just trying to figure out what to do today with the rain pouring and no money with 2 kids!! A walk along the beach I think with hoods up- what a lovely August bank holiday!
Take care,
bb x