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5 year plan
Comments
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I would get a year or two into the DMP before you make a decision about kids. Your circumstances might change in that time - one of you might get a pay rise, you might find full-time work etc.
After you've lived within the constraints of the DMP for a year or two, you'll have a better feel for whether you have any spare cash left each month after paying your creditors, or whether things are really, really tight.Mortgage when started: £330,995
“Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” Arthur C. Clarke0 -
No offence OP, but you are looking to have a baby, while in a DMP, and now you are looking to negotiate a offer, on a piddling £79 debt?0
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