DMP & Mutual Support Thread - Part 10

Ellieseleven

Hopelessly_Hopeful wrote: »

Morning All


I have completed my DMP this morning.


https://forums.moneysavingexpert.com/discussion/291326


Thank you so much for your support I couldn't have done it without it. I will be sticking around to help support those who are waiting to cross the finish line.


HHx

Fantastic news H H! I am so pleased for you! You have helped so many people over the last few years (me included) and You thoroughly deserve your debt-free status.

I can't tell you how chuffed I was to see your day is finally here.

Bring on the celebrations!:T:beer:

Take care
Ellie xx

Bagley1980

Well done to everyone in there varying stages of DMP. My new account is nearing completion and my first payment will be 1st October. Feels weird having actual money in my account! I went to pay my token £1 on my loan today (Lloyds) I tried to do it as an extra payment but wouldn't let me. I can't find a sort code or account number that seems to work. Does anyone one have these details? Thanks in advance.

Sazzie23

Growurown wrote: »

Many congratulations HH. Ah no longer a debt free wannabee:D

Well I have been and gone and done it! Now self managing. Step Change were brilliant and wished me good luck and said I was being very sensible.:eek: That was worrying seeing as sensible is not me, well not where money is.

Hi GUO

Congratulations on self managing (in awe:D) remember it's the old you that was not sensible....the new self managing DMP GUO is the sensible one, just remember to keep that sensible hat on and you'll be fine.

Off to research washing machines, managed to bust mine :eek:

Growurown

Sazzie23 wrote: »

just remember to keep that sensible hat on and you'll be fine.

Mental note to self - wear sensible hat, wear sensible hat, wear sensible hat. If I say it often enough it might sink in:D

Karen777

Ha I think we all need sensible hats. I certainly do... - I just had to go into town which is something I try not to do as the temptation to spend money is very large especially on days when I'm not feeling quite the full ticket. Managed to get everything done and only bought one small thing (£2.50 greeting card because it made me smile and I want to send it to a friend) that I shouldn't have done which I now have to go and juggle with the gods of YNAB... I got a birthday gift that I needed within budget so not all bad. But mostly I was looking at people wondering how on earth they manage to buy so much stuff though. I don't have £25 quid for a top (in the sale!!??) or £40 for shoes and everywhere I looked there are people with bulging bags of shopping. Made me feel like I was an alien from a different planet. I am lucky that I earn enough to get myself out of the mess I have got myself into but seriously where do people get the money from to go shopping so much??

kb_soma

Karen777 wrote: »

I don't have £25 quid for a top (in the sale!!??) or £40 for shoes and everywhere I looked there are people with bulging bags of shopping. Made me feel like I was an alien from a different planet. I am lucky that I earn enough to get myself out of the mess I have got myself into but seriously where do people get the money from to go shopping so much??

One day, that could be us... But I think we are way more sensible than that and will be waiting for things to drop to a fiver...

I think once the debt is cleared, I'll be super frugal. (I hope).

dad2one

BeingDebtFreeStartsHere wrote: »

Just a quick question - our son has autism and we receive DLA for him. I have included this in the SC budget sheet as a payment into my account (which it is) however just wondered if this should be included as the money is actually for my son to help with any specialist equpment or provision he needs rather than being used for utility bills/food shops etc?

No, you absolutely do not count that or declare it as an income. It is not income, it a disability fund, and it actually is awarded to your son, not you.

A few years ago HMRC tried to get me to count it (similar circumstances) when i owed them some tax credit money. I said no way, and that they should check the law. They dropped the idea immediately. They knew, they were just trying it on. People will try it on, but the law still is as far as i know, you do not count it as income for any purpose.

Good luck

Well done HH, fantastic. :beer:
Good news GrowUrOwn....:T

Time_to_face_the_music

Karen777 wrote: »

Ha I think we all need sensible hats. I certainly do... - I just had to go into town which is something I try not to do as the temptation to spend money is very large especially on days when I'm not feeling quite the full ticket. Managed to get everything done and only bought one small thing (£2.50 greeting card because it made me smile and I want to send it to a friend) that I shouldn't have done which I now have to go and juggle with the gods of YNAB... I got a birthday gift that I needed within budget so not all bad. But mostly I was looking at people wondering how on earth they manage to buy so much stuff though. I don't have £25 quid for a top (in the sale!!??) or £40 for shoes and everywhere I looked there are people with bulging bags of shopping. Made me feel like I was an alien from a different planet. I am lucky that I earn enough to get myself out of the mess I have got myself into but seriously where do people get the money from to go shopping so much??

I used to think nothing of spending a couple of hundred pounds on clothes in one day in the past, since my deft free journey started I discovered the wonder of charity shops .... especially in up market locations

Oh the button has fell off my Karen Millen cardigan, I can't be bothered sewing that on, so I will drop it off at the charity shop ... haha it's all mine now. Oh that Per Una skirt does not fit and I can't be bothered taking it back .... that's mine too. I can't believe how much brand new and good as new stuff I have bought for just a couple of pounds. This is one habit I will definitely be taking forward into my debt free life, it's just too good and satisfying to stop

TTFTM x

Puzzcat

Bagley1980 wrote: »

Well done to everyone in there varying stages of DMP. My new account is nearing completion and my first payment will be 1st October. Feels weird having actual money in my account! I went to pay my token £1 on my loan today (Lloyds) I tried to do it as an extra payment but wouldn't let me. I can't find a sort code or account number that seems to work. Does anyone one have these details? Thanks in advance.

Hi, For my loan token payment I sent a £1 cheque with a covering letter to the branch where I took the loan out from.
Puzz. X

sunnyskies2

Bagley1980 wrote: »

Well done to everyone in there varying stages of DMP. My new account is nearing completion and my first payment will be 1st October. Feels weird having actual money in my account! I went to pay my token £1 on my loan today (Lloyds) I tried to do it as an extra payment but wouldn't let me. I can't find a sort code or account number that seems to work. Does anyone one have these details? Thanks in advance.

Hi, I have 3 x lloyds loans which I pay token payments £1 chq x 3 to ensure each loan is paid individually, the cc and o/d I pay by internet banking. I do believe you may me able to phone their collections in Brighton - that is where I send cheques too.