We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
PD's £50K + DMP Debt free Quest
Comments
-
By not paying the minimum payments this month and just making tokens, i could pay off an overdraft and not include it in the dmp. But im tempted to keep that money in an emergency fund. Hmmmm what to do...Looking to start a DMP for over 50k of debt.0
-
PlymouthDad wrote: »By not paying the minimum payments this month and just making tokens, i could pay off an overdraft and not include it in the dmp. But im tempted to keep that money in an emergency fund. Hmmmm what to do...
I'd vote emergency fund.Christmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850 -
See I would probably vote pay off OD. Is it a reputable company who won't mess about though?
PS we are definately twins now, I'm also a keen golfer. 13 handicap. Just society now though, gave up my membership as it was getting a bit steep. Was down at 11 then though
0 -
Well ive been away for a while from here and its bad news I'm afraid. I slipped up big time with gambling. Slipped is underplaying it a bit! I completely screwed up.
Lost a further £1300. Been too ashamed to post on here. But I have been to Ga for two weeks now and am trying to be positive about it all. I am a compulsive gambler. and always will be so I have put measures in to stay away for ever. Big ask after two weeks but you have to start somewhere right?
My DMP is all set for a payment to go out this month. the money I lost was my emergency fund and a loan from my mother. It sickens me to right it. I dont want to be told it'll be ok and I'm not after any pity. I just want to be honest. If I cant be honest to a computer forum how can I be honest to myself.
CHANGE SUBJECT....
Blistering blue you were an 11 handicap? thats very good. I'm 19 and have struggled through the winter months to try and maintain that standard to really push on this spring/summerLooking to start a DMP for over 50k of debt.0 -
Sorry to hear your bad news PD, stay strong, you are the only person that can beat the compulsion.
Back to golf, I've not played since Sept, but I know first game I'll be around 18 and within a couple of rounds will be down around 13 again. I infuriate the society because its so steady eddie I won both comps last year, lol. Our main crack though is a lads weekend in July, we always pick a hotel with a golf course and then just roll up Friday morning and depart on the Sunday, a little worse for wear, but well fed and watered :-)0 -
Hey pd,
We all have our downfalls, mine are smoking and good red wine, sorry I don't play golf so they are my handicaps. Keep going, positives vibes it will all come good.
Baby steps....
Love Puzz. XxxChristmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850 -
PlymouthDad wrote: »Well ive been away for a while from here and its bad news I'm afraid. I slipped up big time with gambling. Slipped is underplaying it a bit! I completely screwed up.
Lost a further £1300. Been too ashamed to post on here. But I have been to Ga for two weeks now and am trying to be positive about it all. I am a compulsive gambler. and always will be so I have put measures in to stay away for ever. Big ask after two weeks but you have to start somewhere right?
My DMP is all set for a payment to go out this month. the money I lost was my emergency fund and a loan from my mother. It sickens me to right it. I dont want to be told it'll be ok and I'm not after any pity. I just want to be honest. If I cant be honest to a computer forum how can I be honest to myself.
CHANGE SUBJECT....
Blistering blue you were an 11 handicap? thats very good. I'm 19 and have struggled through the winter months to try and maintain that standard to really push on this spring/summer
Hold on in there Captain.....(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
Hey PD,
Just popping by to see how you are doing??
Puzz. xChristmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850 -
PD where you hiding????Christmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards