DMP & Mutual Support Thread - Part 11

motivated

Stig_of_the_DMP wrote: »

Hi all. After a couple of months of lurking and a long time worrying about my unmanagable, and endlessly rising debts, my wife and I have finally come to the decision of starting our DMP. We have had the initial chat with Stepchange and plan to use them in the short term until we get used to the process. Eventually we would like to go self managed to get the defaults starting as soon as possible. We have managed to rack up debts of around £60k between us. Redundancy and having two small kids has been partly to blame, but ultimately it is down to bopth opf us being terrible with money and getting into the balance transfer spiral - convincing ourselves that this time we will pay it off but always ending up talking on more and more debt.

Anyway, i just wanted to say that all the posts on here have made me feel much more confident and relaxed about the whole process - so thanks (thanks in advance for all the idiotic questions i will no doubt be asking you in the future too!)

Stig

Hi stig ( love the username, I read that book at school)

I too have asked lots of questions and always received excellent advice. I wouldn't be where I am if it wasn't for this thread
Good luck
M

sourcrates

Stig_of_the_DMP wrote: »

Hi all. After a couple of months of lurking and a long time worrying about my unmanagable, and endlessly rising debts, my wife and I have finally come to the decision of starting our DMP. We have had the initial chat with Stepchange and plan to use them in the short term until we get used to the process. Eventually we would like to go self managed to get the defaults starting as soon as possible. We have managed to rack up debts of around £60k between us. Redundancy and having two small kids has been partly to blame, but ultimately it is down to bopth opf us being terrible with money and getting into the balance transfer spiral - convincing ourselves that this time we will pay it off but always ending up talking on more and more debt.

Anyway, i just wanted to say that all the posts on here have made me feel much more confident and relaxed about the whole process - so thanks (thanks in advance for all the idiotic questions i will no doubt be asking you in the future too!)

Stig

Username of the year for sure lol !!!!

Welcome to the thread stig !!

zippygeorgeandben

Welcome to the thread and good luck on your journey! You'll find lots of support and advice here I'm sure! Any advice is always to give you food for thought about future actions and possible consequences!

Stig_of_the_DMP

Thanks for the welcome everyone. I look forward to boring you all with questions you have answered a hundred times before soon!

Stig

Ellieseleven

Hello everyone,


Yesterday, I paid my final payment to SC after 6 years and 8 months and it felt fantastic:j For all of us this is our ultimate goal and I just wanted to say if you are starting out on your DMP or partway through, keep going! I feel as though a huge weight has now been lifted and I can look forward to a debt-free life.


It hasn't been an easy ride and there have been obstacles along the way but in the end it has been worth the effort. I have learnt so much and my attitude to finance has totally changed for the better. I will carry those lessons with me for the rest of my life.


I want to say thank you to everyone on this thread past and present. This was my go to place in my darkest times, the advice and comfort I received here can't be measured. You all kept me sane, offered me advice, made me laugh and I have made virtual friends whom I think very fondly of:T


Here's to each and every one of you, the bubbly is flowing at Ellie Mansions today:beer: (it's Bucks Fizz really...see, very MSE:money:)


Take care


Ellie xx

sourcrates

Ellieseleven wrote: »

Hello everyone,


Yesterday, I paid my final payment to SC after 6 years and 8 months and it felt fantastic:j For all of us this is our ultimate goal and I just wanted to say if you are starting out on your DMP or partway through, keep going! I feel as though a huge weight has now been lifted and I can look forward to a debt-free life.


It hasn't been an easy ride and there have been obstacles along the way but in the end it has been worth the effort. I have learnt so much and my attitude to finance has totally changed for the better. I will carry those lessons with me for the rest of my life.


I want to say thank you to everyone on this thread past and present. This was my go to place in my darkest times, the advice and comfort I received here can't be measured. You all kept me sane, offered me advice, made me laugh and I have made virtual friends whom I think very fondly of:T


Here's to each and every one of you, the bubbly is flowing at Ellie Mansions today:beer: (it's Bucks Fizz really...see, very MSE:money:)


Take care


Ellie xx

Well done, congratulations !!!

Ellieseleven

sourcrates wrote: »

Well done, congratulations !!!

Thanks Sourcrates

January2015

Ellieseleven wrote: »

Hello everyone,


Yesterday, I paid my final payment to SC after 6 years and 8 months and it felt fantastic:j For all of us this is our ultimate goal and I just wanted to say if you are starting out on your DMP or partway through, keep going! I feel as though a huge weight has now been lifted and I can look forward to a debt-free life.


It hasn't been an easy ride and there have been obstacles along the way but in the end it has been worth the effort. I have learnt so much and my attitude to finance has totally changed for the better. I will carry those lessons with me for the rest of my life.


I want to say thank you to everyone on this thread past and present. This was my go to place in my darkest times, the advice and comfort I received here can't be measured. You all kept me sane, offered me advice, made me laugh and I have made virtual friends whom I think very fondly of:T


Here's to each and every one of you, the bubbly is flowing at Ellie Mansions today:beer: (it's Bucks Fizz really...see, very MSE:money:)


Take care


Ellie xx

Hi Ellie

I said it on the Milestone Inn thread - I am so pleased for you. However, I am also so proud of you:D That may sound strange to some - because I really only know you in this virtual world of folk who are in (or have been) in debt. It doesn't matter to me that I only know you in this virtual world - you are a real person and you are a friend who has triumphed and for that I am proud of your achievement.

Enjoy every minute of this wonderful feeling.

Jan -x-

GibbsRule_No3

Ellieseleven wrote: »

Hello everyone,


Yesterday, I paid my final payment to SC after 6 years and 8 months and it felt fantastic:j For all of us this is our ultimate goal and I just wanted to say if you are starting out on your DMP or partway through, keep going! I feel as though a huge weight has now been lifted and I can look forward to a debt-free life.


It hasn't been an easy ride and there have been obstacles along the way but in the end it has been worth the effort. I have learnt so much and my attitude to finance has totally changed for the better. I will carry those lessons with me for the rest of my life.


I want to say thank you to everyone on this thread past and present. This was my go to place in my darkest times, the advice and comfort I received here can't be measured. You all kept me sane, offered me advice, made me laugh and I have made virtual friends whom I think very fondly of:T


Here's to each and every one of you, the bubbly is flowing at Ellie Mansions today:beer: (it's Bucks Fizz really...see, very MSE:money:)


Take care


Ellie xx

Well done, you were around when I was doing mine. Great feeling when it is all over, enjoy yourself but stay focused

Ellieseleven

January2015 wrote: »

Hi Ellie

I said it on the Milestone Inn thread - I am so pleased for you. However, I am also so proud of you:D That may sound strange to some - because I really only know you in this virtual world of folk who are in (or have been) in debt. It doesn't matter to me that I only know you in this virtual world - you are a real person and you are a friend who has triumphed and for that I am proud of your achievement.

Enjoy every minute of this wonderful feeling.

Jan -x-

That doesn't sound strange to me at all January. I class you as a friend too, a friend who I share my innermost thoughts with:o


Thank you for your words, you've made me cry now:o


Ellie x