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.

Looking Forward

2

Comments

  • DawnW
    DawnW Posts: 7,624 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Red_Athena wrote: »
    Me too! I read so much, and it’s so easy to just buy more :j
    Is there a local library you could join? :)
  • DawnW wrote: »
    Is there a local library you could join? :)

    I could look into it, but in all honesty I think I’m happy with books as a little luxury. I read quickly and I reread my favourites a LOT. I’d have to move into the library :rotfl:
  • I’ve set up the standing order for my ISA now, so I’m happy about that. Also got confirmation from StepChange that they’ve altered the opening balances as I got them slightly wrong :o

    One thing that looks a little odd is the payment amounts they’ve listed for each creditor. Their ‘previous payments’ amounts are way out. I didn’t enter them so I’m not sure what data they’ve used to assume what they were. I don’t suppose it matters though.
  • Robin09
    Robin09 Posts: 596 Forumite
    Fifth Anniversary 500 Posts Name Dropper Photogenic
    Good luck on your debt free journey. We are also on a DMP with SC. Great that you have an emergency fund. We jumped straight into ours without one, which was a mistake.

    Good luck with the NSD's too :)
    SPC 076
  • Robin09 wrote: »
    Good luck on your debt free journey. We are also on a DMP with SC. Great that you have an emergency fund. We jumped straight into ours without one, which was a mistake.

    Good luck with the NSD's too :)


    Thank you! Is there any way that you could pause to create an emergency fund? I wouldn’t have thought of it without MSE :)
  • Robin09
    Robin09 Posts: 596 Forumite
    Fifth Anniversary 500 Posts Name Dropper Photogenic
    Good evening,

    Unfortunately not as we are now 2 1/2 years into our DMP. But if we go self managed, that is the first thing we will do :) it is ticking along nicely, so unsure when we will do that though.
    SPC 076
  • Robin09 wrote: »
    Good evening,

    Unfortunately not as we are now 2 1/2 years into our DMP. But if we go self managed, that is the first thing we will do :) it is ticking along nicely, so unsure when we will do that though.

    It's just so easy with SC isn't it? I was tempted to start self managed but I've been so stressed for so long I decided to take the simple route!
  • So one week into September and it's looking good. Have had a couple of evenings out but as I haven't been drinking spending has been minimal. I'm out again tonight, but again we're driving so no spending :beer:

    Have found the first Christmas present that I want to buy so I WILL get started on that presents spreadsheet! Need to put birthdays on too.

    Am looking forward to the first payment going out for my DMP on the 1st of October. I'm hoping I'll feel like I'm FINALLY reducing the debt! It's very odd not just whipping the credit card out for everything :rotfl:
  • So today I took another scary step - went to the GP and got myself diagnosed with anxiety :eek: I know that part of my anxiety is debt related, much as part of my debt is anxiety related :rotfl: I thought that as I was sorting out my finances I might as well try and get everything else sorted too.

    Still getting lots of YOU ARE IN ARREARS letters from creditors, am filing them away in a shiny new ring binder so that I have everything I could ever need :cool:
  • DawnW wrote: »
    Is there a local library you could join? :)

    Happy New Shiny Diary

    re books try charity shops, my local ones do paperbacks for 50p each
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
  • 348.2K Banking & Borrowing
  • 252.1K Reduce Debt & Boost Income
  • 452.3K Spending & Discounts
  • 240.7K Work, Benefits & Business
  • 617K Mortgages, Homes & Bills
  • 175.6K Life & Family
  • 253.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support 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.