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DMP & Mutual Support Thread - Part 10

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  • BeingDebtFreeStartsHere
    BeingDebtFreeStartsHere Posts: 333 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    So grateful to everyone who advised me to set up an emergency fund - the fridge part of our fridge freezer has packed in today :( Luckily I had delayed the weekly shop so not much food lost.

    Going to buy a small fridge tomorrow and keep the freezer part going as long as possible!! Milk, butter, cheese and yoghurts currently sat in a cool bag!!

    You never know - it may recover (doubtful though as it played up in the summer!)

    Typically this happens as Christmas is approaching but at least we have a little saved in the emergency cover to get a little fridge and are not relying on using more credit to replace it as would have been the case a few months back.

    Here's to affording a replacement with cash! :)

    Just got to try and top up the emergency fund now :eek:

    Have a good weekend everyone!

    BDFSH x
  • jubilee14
    jubilee14 Posts: 331 Forumite
    Eighth Anniversary 100 Posts Combo Breaker Debt-free and Proud!
    Enjoy the break Kate cant live like nun's all the time.
    LBM Sept 2012
    started DMP 1.11.12
    Debt [STRIKE]£37012[/STRIKE]/£0 DFD January 2019 :beer:
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    BeingDebtFreeStartsHere wrote: »
    So grateful to everyone who advised me to set up an emergency fund - the fridge part of our fridge freezer has packed in today :( Luckily I had delayed the weekly shop so not much food lost.

    Going to buy a small fridge tomorrow and keep the freezer part going as long as possible!! Milk, butter, cheese and yoghurts currently sat in a cool bag!!

    You never know - it may recover (doubtful though as it played up in the summer!)

    Typically this happens as Christmas is approaching but at least we have a little saved in the emergency cover to get a little fridge and are not relying on using more credit to replace it as would have been the case a few months back.

    Here's to affording a replacement with cash! :)

    Just got to try and top up the emergency fund now :eek:

    Have a good weekend everyone!

    BDFSH x

    Make sure you check freecycle, gumtree and ebay before hitting the shops!!
    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=4768685
  • BeingDebtFreeStartsHere
    BeingDebtFreeStartsHere Posts: 333 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    Puzzcat wrote: »
    Make sure you check freecycle, gumtree and ebay before hitting the shops!!

    Thanks Puzz - didn't even think of that!! Will check them all out :D
  • Hutch11
    Hutch11 Posts: 7 Forumite
    Thanks so much for the advice on my post yesterday. After a few phone calls and a trip to the bank (involving standing in the bank til they handed over the money haha) it's all sorted. We have our wages and have paid them into our new account. So grateful for this thread. Thanks again.
  • Sazzie23
    Sazzie23 Posts: 2,634 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker Post of the Month
    Hutch11 wrote: »
    Thanks so much for the advice on my post yesterday. After a few phone calls and a trip to the bank (involving standing in the bank til they handed over the money haha) it's all sorted. We have our wages and have paid them into our new account. So grateful for this thread. Thanks again.

    Hey Hutch - great news, big sigh of relief & well done for standing your ground in the bank, they rely on people not doing that to get away with bad banking behaviour.

    Onwards and upwards with the DMP. If you can find time with newborn (congrats btw) and work etc, have a read through the thread for suggestions on managing your DMP so there are less surprises along the way.
    Debt -it's a fight that I'm winning, dealing with debt one day at a time.
    Estimated DFD August 2018 - 2031 - now 2027 :T
    Guide dog Tess, missing Scotland 2 years
    DMP support no438.
  • Sazzie23
    Sazzie23 Posts: 2,634 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker Post of the Month
    Puzzcat wrote: »
    Make sure you check freecycle, gumtree and ebay before hitting the shops!!

    Yeah our local freecycle has had a working fridge and a washer advertised twice because no one wanted them..or perhaps everyone thought they would go so quick they didn't bother to ask .... always worth a look.
    Debt -it's a fight that I'm winning, dealing with debt one day at a time.
    Estimated DFD August 2018 - 2031 - now 2027 :T
    Guide dog Tess, missing Scotland 2 years
    DMP support no438.
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    :j:j:j One year in...




    Just wanted to shout.. I'm now in the 53's..... and 10.5% paid...


    I so love my dmp.....


    I started in the 60's.. I have paid off over 6k on my dmp and 2.4k on my family loan... total paid in a year.. £8665..


    Bring on the second year....!


    Love Puzz. xx
    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=4768685
  • sourcrates
    sourcrates Posts: 31,772 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Puzzcat wrote: »
    :j:j:j One year in...




    Just wanted to shout.. I'm now in the 53's..... and 10.5% paid...


    I so love my dmp.....


    I started in the 60's.. I have paid off over 6k on my dmp and 2.4k on my family loan... total paid in a year.. £8665..


    Bring on the second year....!


    Love Puzz. xx



    Well done Puzz, coming on a treat !!!!!:T
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Hopelessly_Hopeful
    Hopelessly_Hopeful Posts: 2,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Puzzcat wrote: »
    :j:j:j One year in...




    Just wanted to shout.. I'm now in the 53's..... and 10.5% paid...


    I so love my dmp.....


    I started in the 60's.. I have paid off over 6k on my dmp and 2.4k on my family loan... total paid in a year.. £8665..


    Bring on the second year....!


    Love Puzz. xx


    Great news Puzz x
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