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.

📨 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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Every Cloud....

I think it is a DMP I need, so have spent all afternoon calculating, plotting and planning. I can already see how I got in this mess. I have a big pay out month and I had no thought to how it was going to be covered I would of just used credit and got in deeper. Every month I write out a budget but obviously do not let it stop me. It is going to be an absolute challenge. I am a little bit excited though?????? Anyway I have to smile looks like my nightly wine is out of the window so I expect to be 2 sizes smaller by xmas :j:T

Comments

  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Go girl... I love my dmp...and you do know you can buy tiny bottles of wine often on 3 for £4..... Although I have been on dmp since November and unfortunately am not 2 sizes smaller...
    Good luck.
    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
  • meredith132
    meredith132 Posts: 59 Forumite
    Sixth Anniversary Combo Breaker
    well if I get 2 sizes smaller I can sell my clothes Cha Ching ! :beer: wine offer aisle here I come !
  • asparagus1968
    asparagus1968 Posts: 1,787 Forumite
    Debt-free and Proud!
    good luck on your journey, stay strong :)
    LIVE SIMPLY * GIVE MORE * EXPECT LESS * BE THANKFUL

  • savingmummy
    savingmummy Posts: 2,915 Forumite
    Debt-free and Proud!
    Good luck :D


    It feels good when you have a plan set out :j
    DebtFree FEB 2010!
    Slight blip in 2013 - Debtfree Aug 2014 :j

    Savings £132/£1000.
  • Trajal
    Trajal Posts: 550 Forumite
    Debt-free and Proud!
    Just spotted this... a note of caution from me... when you say 'nightly wine' you mean a glass of wine a night rather than a bottle, right? Because if it was a bottle of wine a night it could potentially be dangerous to just "stop" right away without tapering down.

    Sorry to be a nag and an old worrier but I had a friend who decided to just stop drinking after a relatively modest, but nightly use of alcohol for many years and he very nearly died as a result of a seizure. Just a thought!
    Debt free, moved, got new stuff for the new flat - got everything I wanted and need - now just saving.
  • Rafal35
    Rafal35 Posts: 23 Forumite
    Good luck for you,I am new to forum and also in debt ,is nice to be here:o
    Loan £3450 left
    Debt free by march 2015
  • FuzzyDF
    FuzzyDF Posts: 147 Forumite
    I'm in the same boat as you. DMP is being set up after years of worry. Couldn't have done it without the lovely peeps on this board and SC.

    Today I went to the supermarket and ignored the goody aisle completely. Normally I would come out with a trolley full of things I couldn't afford in reality. Today I came out with a loaf of bread and some cat litter :rotfl:

    I'm actually looking forward to my new frugal lifestyle and finally I can sleep at night.
    LBM 2 June 2014
  • meredith132
    meredith132 Posts: 59 Forumite
    Sixth Anniversary Combo Breaker
    Thank you everyone, and thanks Trajal l its not quite a bottle a night but definately more than I should have and Iam going to wean myself off. I think when the stress goes the wine consumption will decrease! :beer:
  • TimeToDoIt
    TimeToDoIt Posts: 220 Forumite
    Debt-free and Proud!
    Well done on making positive changes to your life
    ~~I am debt free~~
  • meredith132
    meredith132 Posts: 59 Forumite
    Sixth Anniversary Combo Breaker
    thank you, how are you feeling now its all under way for you?
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.2K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.2K Work, Benefits & Business
  • 603.8K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.