DMP & Mutual Support Thread - Part 9

moohound

antonic wrote: »

I get paid Tuesday and will make an extra payment of £30.82 to leave with me £550.00 outstanding.

I will then make my usual Payplan payment of £275.00 on 2nd May to leave me with my final payment of £275.00 due on 2nd June and I will then be DF.

I hope the new joiners to this exclusive club, will see this as a sign that YOU as well can get DF, it may take time, but I can tell you its a great feeling to be so close to being DF !.

well done:T

Hopelessly_Hopeful

Find_The_Real wrote: »

Hello All

Just wanted to say welcome to the latest newbies and to wish you all the best of luck on your DMP journey.

Good news about the job Julie and keeping everything crossed all comes back ok.

Well done TTFTM on getting those debts down, it is always inspiring to hear when everything is heading in the right direction.

Good luck to everyone else that is still having a few bumps along the way and I hope it gets sorted out.

Just checked out my house and an offer has been put in on it even below what is was on sale for, I will be incredibly peed if they accept it as it is already on sale for a ridiculous price. I shall personally torment the person if they buy at this price for shamelessly benefitting from my financial misfortune.

The house issue sucks, I do feel for you. Are you going to be liable for the shortfall?

HHx

Hopelessly_Hopeful

antonic wrote: »

I get paid Tuesday and will make an extra payment of £30.82 to leave with me £550.00 outstanding.

I will then make my usual Payplan payment of £275.00 on 2nd May to leave me with my final payment of £275.00 due on 2nd June and I will then be DF.

I hope the new joiners to this exclusive club, will see this as a sign that YOU as well can get DF, it may take time, but I can tell you its a great feeling to be so close to being DF !.

OMG this time next week you will only have one more payment to go.

We need to sort out an online party. Anyone any good with cocktails?

HHx

ArtyMiddle

lilysmummy wrote: »

Hello everyone

Finally had our LBM and our dmp starts 1st May with the first payment going out on the 10th, been reading all your progress and its really given me hope that there is a light at the end of the tunnel!! SC have been great and I am finally getting some sleep!

Same here Lilysmummy. Our DMP with SC starts 1st May. It feels like a new start for sure.

Arty

bmma

where do you keep your emergency fund in bank account or at home?

Growurown

bmma wrote: »

where do you keep your emergency fund in bank account or at home?

I keep mine in a Credit Union account. It has all the same security as a bank, it is ethical and owned by its members so isn't in it to make loads of money. It doesn't give you a debit card (well mine doesn't, others may) so you can't spend your emergency fund on a whim. I use it for my emergency fund and bills that I can't pay monthly by direct debit for example my car tax. It only takes a quick phone call to transfer the money into my bank account when I need it, and it is in there on the same day.

Growurown

Hopelessly_Hopeful wrote: »

OMG this time next week you will only have one more payment to go.

We need to sort out an online party. Anyone any good with cocktails?

HHx

I'm good at drinking cocktails, will that do?

Find_The_Real

Hopelessly_Hopeful wrote: »

The house issue sucks, I do feel for you. Are you going to be liable for the shortfall?

HHx

Hello HH

Thanks for your kind words. I'm going on worst case scenario seeing they don't seem too bothered about trying to contact the ex from hell and I will be liable, well until I either go IVA or bankrupt. Then I am sure they are going to get a lot more interested in dealing with the other party.

S*** happens, still worth walking out IMHO as sorted with good family and friends and a place to live, that is all that matters. My more concerning dilemma is IVA v Bankruptcy as although the latter is quicker it's a case of wanting to pay as much as I can as I do owe it plus could possibly terminate early with a F&F on the IVA. Oh well I have a few months to think about it and in the meantime whilst I am still eligible continue to post on this thread.

debtfree77

antonic wrote: »

I get paid Tuesday and will make an extra payment of £30.82 to leave with me £550.00 outstanding.

I will then make my usual Payplan payment of £275.00 on 2nd May to leave me with my final payment of £275.00 due on 2nd June and I will then be DF.

I hope the new joiners to this exclusive club, will see this as a sign that YOU as well can get DF, it may take time, but I can tell you its a great feeling to be so close to being DF !.

Congrats Antonic :T i cannot wait to get to that point . Roll on 6 years :rotfl:. There seem to be a fair few of us starting our DMP journey this month, good luck all !!!

Hopelessly_Hopeful

Growurown wrote: »

I keep mine in a Credit Union account. It has all the same security as a bank, it is ethical and owned by its members so isn't in it to make loads of money. It doesn't give you a debit card (well mine doesn't, others may) so you can't spend your emergency fund on a whim. I use it for my emergency fund and bills that I can't pay monthly by direct debit for example my car tax. It only takes a quick phone call to transfer the money into my bank account when I need it, and it is in there on the same day.

Am soooooooo impressed you do this. I really must get around to sorting it.

Mines in my 'saving' account - online with bank so seconds to transfer but seconds to spend too!

HHx