DFW diary 2.0

Pinkwhisk

WOOOOO PACK ARRIVED!!

Sent off our Experian forms today, and I'll start filling out the forms soon, as we need the credit report before we return it anyway!

So happy!

PW x

Pinkwhisk

So, Ive filled out my DRO pack today. The biggest issue we both have is we don't have account numbers or debt totals for our debts. I spoke to ND who suggested we write to each creditor explaining our situation to get that information. However, if we send the letters recorded second class,mint will cost 22! Which we don't have. We could send first or second class but if they get lost in post its both time and money wasted. I've emailed one creditor but the others don't appear to have email addresses. I could call but don't really want to speak on the phone with anybody.

Feeling stressed out as well which makes matters worse. In my head I have that we will be in DRO by end of December, which would be great Christmas present having this sorted finally!

PW x

Pinkwhisk

Not much has happened really. No word from any of our other creditors yet but I did find some old paper work which will help me fill out the DRO forms. Also think will call our creditors to get the information we need - I can't be bullied into paying as we have no money anyway!

PW X

Pinkwhisk

Goodness gracious me, it's been over a month since I last posted?! Blimey oh Riley that's lacking on my part!

To be honest not a great deal to update. Am counting down to Pay Day so we can send all the paperwork needed for the DRO. I always seem to be waiting on a pay day! Have struggled a bit for money this month as OH got paid less than he should have which has been a nightmare and not sure when we will be caught up with it all which is very headache inducing.

That's all really feel like it's one issue after another right now but hey ho.

P W x

Pinkwhisk

Jesus,

I was going to start a new diary tonight. But I decided to be good annd carry on with this one.

So, DRO is going to be with stepchange, I need to call and go through our budget first, and am badgering OH for his payslips too.

I LOVE CHRISTMAS!!!🎁🎄🎅🎊🎉🎅🎄🎁🎊🎉. But it's always stressful over money and presents, so I joined SPC10 yesterday, and have decided to save my shrapnel for now.

From January though I will be putting anything under £5 in there, and also doing the £1 a day for Chrismas challenge once it starts for 2017. As that will be the Christmas our baby will start to understand Christmas, so its even more important to save. I will be using a holding pot first, then transferring over, to ensure I don't get into the pot halfway through the month.

Right, think that's all for now

PW x