DMP & Mutual Support Thread - Part 10

so_very_confused

TTFTM congrats !!!! you have always been an inspiration to us DMPers
To have achieved so much in such a short time is astounding.


I would cover the page in smilies but unfortunately mine are broken!?~?

GibbsRule_No3

Welcome to the club. Enjoy it, you deserve some good luck from now on.:beer:

Sazzie23

Time_to_face_the_music wrote: »

Good morning DMPers new and old :hello:

Just got a fantastic surprise when I opened our online banking, I have been paid early for some consultancy work so have just made our last payment to Lloyds TSB and .........

:j :j :j We are now debt free :j :j :j

We really couldn't have done it without this forum and particularly this thread. The help, advice, experience and support has meant everything to me, I have despaired, cheered, screamed, shouted, laughed and cried here and you were with me all the way. :A

HH my twin, you inspired me and supported me 100% of the way and I beat the target you set for me too, which makes me so proud

DMP & Mutual Support Thread :iloveyou:

TTFTM x

Absolutely amazing, so chuffed for you. Enjoy that well deserved holiday :beer:

Happy dance :j:j:j

Ellieseleven

Time_to_face_the_music wrote: »

Good morning DMPers new and old :hello:

Just got a fantastic surprise when I opened our online banking, I have been paid early for some consultancy work so have just made our last payment to Lloyds TSB and .........

:j :j :j We are now debt free :j :j :j

We really couldn't have done it without this forum and particularly this thread. The help, advice, experience and support has meant everything to me, I have despaired, cheered, screamed, shouted, laughed and cried here and you were with me all the way. :A

HH my twin, you inspired me and supported me 100% of the way and I beat the target you set for me too, which makes me so proud

DMP & Mutual Support Thread :iloveyou:

TTFTM x

I've been working away this week so no access to Internet but what a great post to come back to! I am so very very happy for you TTFTM:j

You are an inspiration to us all!

Well done and enjoy your debt free status:beer:

Ellie xx

jubilee14

Haven't been on for a while. But amazing news TTFTM as all have said amazing journey and support!

Ali80

Time_to_face_the_music wrote: »

Just got a fantastic surprise when I opened our online banking, I have been paid early for some consultancy work so have just made our last payment to Lloyds TSB and .........

:j :j :j We are now debt free :j :j :j

Amazing news! Well done!

I truly hope you stick around as your advice has been invaluable to me, as a new DMPer, and lots of others, I'm sure.

Good luck for your debt-free future! :T

Sazzie23

As some of you may know, I have had to reduce my SC DMP payments significantly due to personal circumstance.

The good news here - if anyone else has to do this - is most of the creditors haven't really batted an eyelid, although BoS seem to think they can hassle me a bit, I did call them, found them unhelpful as ---- and so now I'm ignoring them for a bit.

Other good news, (apart from TTFTM's which is just brill) is that i've realised i'm over spending on the food budget regularly so I thought I should take a good look at it. I've discovered that basically I'm always going to be right on the edge with it...the late OH used to help me a bit with food and I hadn't appreciated how much of a difference it made. I'm not going to bust the review again as its likely things will change a bit in a month or 2 if i can get back on the out of hours rota, but when I do it again, i'm going to increase the grocery allowance a bit to give me that wiggle room again (i'm miserable if I can't afford chocolate).

It also means I can be more aware of how much I'm spending at each meal, which gives me a reason to hopefully eat a bit less !

Have a great weekend everyone

Growurown

Sazzie23 wrote: »

As some of you may know, I have had to reduce my SC DMP payments significantly due to personal circumstance.

The good news here - if anyone else has to do this - is most of the creditors haven't really batted an eyelid, although BoS seem to think they can hassle me a bit, I did call them, found them unhelpful as ---- and so now I'm ignoring them for a bit.

Other good news, (apart from TTFTM's which is just brill) is that i've realised i'm over spending on the food budget regularly so I thought I should take a good look at it. I've discovered that basically I'm always going to be right on the edge with it...the late OH used to help me a bit with food and I hadn't appreciated how much of a difference it made. I'm not going to bust the review again as its likely things will change a bit in a month or 2 if i can get back on the out of hours rota, but when I do it again, i'm going to increase the grocery allowance a bit to give me that wiggle room again (i'm miserable if I can't afford chocolate).

It also means I can be more aware of how much I'm spending at each meal, which gives me a reason to hopefully eat a bit less !

Have a great weekend everyone

Hi Sazzie, hope you are doing OK. I find the food budget really difficult too. I try and go to the supermarket when they reduce items and I try to grow my own veg with varying amounts of success. Currently enjoying some home grown asparagus. Even growing some herbs in pots can save pennies. Parsley grows like a weed in my garden and I always get a little joy at seeing how much I save on buying those pots in the shop.

Nargleblast

Bumping this thread as there are some new DMP-ers out there.

[Deleted User]

Hi,

We are just finishing of the process of starting a DMP for our 17k of debt. Im excited for the future but also really nervous for the upcoming barrage of calls / letters.

We have two young girls and came to the realisation that we are simply existing, we have no money for days out or holidays, all birthdays / xmas is done on credit. I did the step change budget and we have around £50 left to feed 4 after we pay our bills so its time for a change.

I feel guilty for borrowing money and now not paying it back at the correct rate but id hate to think of my kids suffering.

Im certain its the right thing, just not 100% yet!