The long haul supporters thread...

In_Search_Of_Me

pleasure - my story isnt much different from yours in that I love getting presents and just generally overspent for 5 years! Only you can decide whether to tell OH but I would - a marriage is a shared thing after all "for better for worse"....also secrets just add pressure but thats me who doesnet really have many secrets!
Lots of us here for a long time and I'm sure people wil come & go..I did find when I stopped MEing thats when I slipped so intend to make it part of my reguar routine! Sorry!

thevinternet

In_Search_Of_Me wrote: »

a marriage is a shared thing after all "for better for worse"...

Who said we were married? Deliciously living in sin!!! :rotfl:

In_Search_Of_Me

In The Brown Stuff (111)

Wecome in the brown stuff! Feel free to introduce yourself so pepys can get to know you!

How's everyone else?

ltm07

Hi, had a good night last night,but couldn't spend the sort of money we spent on a regular basis. Took DD tenpin bowling. Had 2 games which came to £27.25,a pint of lager,pint of lager shandy & a J20 which came to over £8 & a McDonalds on the way home that came to over £13! We needed a night out though & it was all paid within our budget as I got quite a good wage through overtime. The bowling was great,but didn't last very long as there was only 3 of us playing. Next time we go we're going to ask family or friends if they want to join us to make more of a night of it.

Keeping_Positive

I think we all need a good night out once in a while especially when we have worked hard. Its also good when its in a budget so the cost doesnt add to the worry of more debt.

ltm07

wendy24g wrote: »

I think we all need a good night out once in a while especially when we have worked hard. Its also good when its in a budget so the cost doesnt add to the worry of more debt.

Thanks Wendy, we withdrew £50 & said we would stick to that. Had around £1.50 change which will go towards DD's school busfare for the week. So although it was alot to pay out,i'm glad we went out as it took our minds off things for a while & recharged our batteries. Plus it's nice to go to work tomorrow & when people ask what I did at the weekend I don't have to say we stopped in all weekend:D !

In_Search_Of_Me

Great that you had a good time out Ltm! There does have to be balance with debt busting or we'd all go a bit dolally me thinks...the vinternet while you may not be married surely the principle is the same lol?!!

thevinternet

In_Search_Of_Me wrote: »

Great that you had a good time out Ltm! There does have to be balance with debt busting or we'd all go a bit dolally me thinks...the vinternet while you may not be married surely the principle is the same lol?!!

Lol - you are right ISOM, I know I should tell him, but I just can't. It's partly pride, partly embarrassment at having got myself in this situation, and partly the fear of him bailing me out and then me doing it all over again. I need to maintain some discipline here, and I think that for me, living kinda close to the edge makes me better at managing a budget - you know, what doesn't kill you makes you stronger, kinda thing? Well it works that way for me, anyway. I'm sure I will tell him one day, but maybe when I'm sub 30k, it sounds so much better than 40!!

loopylu36

Hi there

I am a member of the DMP Mutual Support Thread, but thought I should probably join this thread too (if I may ) as currently my DFD is June 2015. Not bad considering the extent of my debts, but I am in a bit of a quandry at the moment;

I dislike my current job rather a lot, (mild understatement) but have continued to do it cos it pays quite well (well very well I guess) . Part of my LBM was realising that dispite getting paid well, I was getting stressed by a job I hated (was signed off with stress last year) and was still not earning enough to pay all the bills anyway.

So, I thought a DMP would be the way forward and we are due to make our first payment next month. However, my problem is that I have used my current salary in DMP budget, which has produced a payment to CCCS of £1497. This is a good sum of money and with tweaking the remaining budget in other areas, we can probably save a bit more than this to make overpayments etc, and maybe dring DFD forward a year or so.

My problem is that I desperately want to leave my job and because I am not trained for anything else, I would have to take a pay cut, and this would mean reducing DMP payment (not too worried about what creditors will say as they have not been offered anything yet).

I guess my question is this;

Should I consider my work/life balance in overall considertaion of repaying my debts? If i stick to this job (tho god knows if I could do this for another 7 years) the debts will be paid of quicker, but I don't think I am going to be very happy along the way. Alternatively, I could take longer to repay the debt (but probably only another couple of years) by taking a lower paid job but be much happier along the way.

Does anyone have any words of wisdom for me?


EDIT : PS - I really must work on my signature!

Keeping_Positive

Personally if you feel that 7 years is too long I would look to change jobs. Being happy is more important and if the job is a big struggle then I feel you would struggle to find strength to fight being debt free as well. Take a few months to research what you could do.

Welcome to the thread.