DMP & Mutual Support Thread - Part 10

SquirrelNuts

spot3 wrote: »

That's it! Stepchange have taken my last DD payment, I have paid off all my debts. Now I can start saving, I'm almost as excited about watching a savings balance grow as watching my Stepchange balance go down.

Cracking news spot3! :T

System

spot3 wrote: »

That's it! Stepchange have taken my last DD payment, I have paid off all my debts. Now I can start saving, I'm almost as excited about watching a savings balance grow as watching my Stepchange balance go down.

Well done!!:T:T:j:beer: I can't wait to be in that position, but our first payment hasn't even come out yet...LOL

Scaredofdebt_2

SquirrelNuts wrote: »

I phoned them and they accepted on the phone!

They then wrote off the back of the call to say that as a temporary concession they would accept £x per month and would stop interest etc, but would still send arrears and default letters etc.

I'm still not defaulted though, but probably just a matter of time...

Squiz[/QUOT

Thanks, I'll buck up the courage and ring them next week. I would like to know why they have rejected.

Time_to_face_the_music

spot3 wrote: »

That's it! Stepchange have taken my last DD payment, I have paid off all my debts. Now I can start saving, I'm almost as excited about watching a savings balance grow as watching my Stepchange balance go down.

Fantastic news Spot - Congratulations! :j :beer: :j

Don't forget to go and get your shiny debt free badge :staradmin

TTFTM x

spot3

Time_to_face_the_music wrote: »

Fantastic news Spot - Congratulations! :j :beer: :j

Don't forget to go and get your shiny debt free badge :staradmin

TTFTM x

Thank you, and thank you everyone.

I'm not really 'debt free' until 25th though, when Stepchange pass on my payments, but it's nice to know I don't have to pay anymore. Well I say nice, but I don't remember being completely debt free since I went to university (21 years ago), so it mainly feels weird!

zenshi

Feeling a little disheartened this week. I have been working like a demon at both jobs, keeping my spending diary and spending very little but don't seem to be getting anywhere :mad: I probably am but can't see it!

Ellieseleven

spot3 wrote: »

That's it! Stepchange have taken my last DD payment, I have paid off all my debts. Now I can start saving, I'm almost as excited about watching a savings balance grow as watching my Stepchange balance go down.

Fantastic news! Well done! It's great to hear when one of us reaches our DFD

fermi

spot3 wrote: »

That's it! Stepchange have taken my last DD payment, I have paid off all my debts. Now I can start saving, I'm almost as excited about watching a savings balance grow as watching my Stepchange balance go down.

Great news. :j

When done you can go on the -- Debt-Free Roll of Honour

Sazzie23

spot3 wrote: »

Thank you, and thank you everyone.

I'm not really 'debt free' until 25th though, when Stepchange pass on my payments, but it's nice to know I don't have to pay anymore. Well I say nice, but I don't remember being completely debt free since I went to university (21 years ago), so it mainly feels weird!

So that's probably most of your adult life you've had significant debt....no wonder it feels weird. I cant recall who it was on here a few months ago said they felt a little deflated when they were finally debt free, but I guess its one of those things, when you've focussed for so long on what you'll do when you finally get to your target, you actually don't feel like doing any of those things.

Book yourself some sort of treat for the 25th when the payment finally goes out, or for the 1st when the next payment doesn't go? (not expensive obviously) and Celebrate :j:j, we are happy for you:beer:

Sazzie23

zenshi wrote: »

Feeling a little disheartened this week. I have been working like a demon at both jobs, keeping my spending diary and spending very little but don't seem to be getting anywhere :mad: I probably am but can't see it!

Sorry you are feeling a bit down Zenshi, 2 jobs sounds like a tough gig, hopefully the debts are feeling a bit down too?? sorry very very bad joke :eek: How far into the DMP are you, I found the 14 month marker very demoralising...to long to DFD, long enough in for it to start to hurt a bit, heading for the 50% target (Ok so its still a way off) has been more motivating, any milestones you can find?