My DMP Journey...

Monkeyballs

Monday the 19th of May

Soooooo hot... so, so very hot.... I could keep goldfish in my armpits

On the plus side, I don't eat much when it's hot so my food budget should stretch that little bit further LOL

That's all for today just wanted to tell folk about my pits...

MB x

dawnybabes

Caring and sharing !!

Monkeyballs

This is my ONE THOUSANDTH POST!!!!!

Tuesday 20th of May

Hi Dawnybabes, I can't help it... I'm a caring and sharing kinda guy LOL x

So this month my take home is £1107 down from £1509

So £400 less but the good news is that I only have to reduce my DMP payment by £300 since I can trim off things like dry cleaning for my suit and working lunches

It feels like a bit of a step backwards but I know it's in fact just a smaller than normal step forward LOL

I have however decided that when I finally get back to work and go back on full pay I'll blag it for 3 months and save up £1000 and use it to try to make F&F's on some of my debts with a view to saving maybe £500 I know I can do it... even if I feel a tad cheeky

MB

Monkeyballs

Saturday 24th May

Is it really the end of May? LOL Wow...

Ok so I've just looked at my DMP and if I stick with £200 pcm then I'll be debt free September 2019!!! Luckily, that ain't happening... Hell no! I'll sell a kidney if I have to

Anyway, it's the weekend again and luckily for me it's looking miserable outside so I don't miss being out

I doubt my day is going to get more exciting but I can deal with that

Laters all!!! Snoochy boochies!!!

MB

nextyeartina

The debt is going in the right direction which is all that matters. I totally agree with you about the emergency fund. I have a small emergency fund going on. Not much but it's something. I keep playing around with my debt figures & hope to have paid off £6000 by March next year . This includes car insurance in full & this years council tax & water. Going to try to get my Joey Essex book back off dd1 now


Tina xxx


Ps - congratulations on your 1000th post

Monkeyballs

Wednesday 28th May

Sooooo bored....

I was supposed to go to Physio today but had to give it a miss as I've had a few stomach problems been ok this evening (touch wood) but I've stayed in all day and it's sooooooooo dull!!!!!

Hopefully tomorrow I'll be able to get out and stretch my legs a bit, I can't do another day just lounging in my room again

As for my debts? They're going down I've made a couple of small over payments anything to stop the boredom LOL

Laters all!

MB x

Puzzcat

Morning mb,

Hope you get out and about today, there's nothing worse than having to stay home although the weather here has been rotten for the last 4 days....Sun may shine today...If you can't go far, just sit in your garden for some fresh air and vit d...
Puzz

in_need_of_direction

Better small OPs to stop the boredom than spending. Is the new treatment regime working for you? I've gait analysis on Monday as I may have picked up a way of walking pre surgery that needs corrected.

Monkeyballs

Hola,

Hmmm... Well, I'm not as bad as yesterday and I did go out but only as far as my brothers (he only lives around the corner) as I said I'd wait in for a parcel

I never managed to get much sleep last night as my stomach was playing up and then when I moved my back started to play up LOL it sounds funny when I write it down...

Anyway, I dragged myself around to his place but it didn't arrive until almost 3pm and now I'm back I 'physically' feel like a wreck, tired and achy but I'm happy to have had a day out of my room

InoD - the new stretches do seem to be making a bit of a difference but I think it's plateaued... My general flexibility is pretty good now (I can touch my toes and unintentionally hold it for a while LOL until I can stand up again ) but funnily enough I was wondering if the way I'm walking is hindering me? I walk in a way which is more comfortable but very obviously bad for me times like this I wish I could levitate LOL good luck with your analysis, you'll have to let me know how you get on

Laters!

MB of G x

Monkeyballs

Friday 30th May

Well, today I have dragged myself out for a stroll...

Opting for a change of route I wandered past one of the local Payday lenders only to be greeted by one of their employees outside having a cigarette!

I always got on with the staff and at the time it never really dawned on me that it was ALL about getting money out of me but as we chatted briefly I mentioned my DMP but she still invited me in to see if I was able to loan!!!!

I made my excuses and said those days were behind me but !!!!!!, really??? Anyway, I've got home and have put in a complaint to Money Shop about irresponsible lending.

I wasn't going to at first because the lending was always for gambling and while I'd told Cheque Centre I had a problem and asked for help I never mentioned anything to Money Shop... But the more I think about it the more I realise that me not telling them about my gambling or asking for help makes no difference

I was lending the maximum £300 per month and repaying £390 without fail and at no point did I ever provide evidence of income or identity - I just showed them a little card the gave me with my customer number on it and then after a while not even that... All I did was sign the agreement and then they'd ask me if I wanted them to shred it for me? LOL

Looking back it was crazy... My own fault for lending in the first place I accept but over a few years the must have had maybe £2500 in interest for £300? Ouch...

Oh well, fingers crossed I'll get a quick reply but at the very least I felt I should make a compliant now while the wound is freshest

At least it took my mind of my back LOL

Laters,

MB of G x