DMP freedom in 15 months!

charhen19

I can't over pay too regularly or else they'll reassess my income & expenditure so at the moment I'm saving it up in an envelope. I'll aim to make a payment every 2 months or so.

charhen19

I've had a refund of £24 for something so will withdraw that to go into my overpayments envelope. Building up nicely now!

NeverendingDMP

Yes i agree. Pay it less frequently or in a lump sum later on. Otherwise it opens huge can of worms doesnt it.
Did you ever have a look on your credit reports to see if the debts still show. If they dont you could just try an offer of say 30-40% on your smallest debt once you have some saved just to see. If you had more saved than what you offer to leave you with negotiation room you may just get lucky and knock one off the list sooner.

charhen19

Another busy weekend including bouts of unwellness - too much time in the heat (albeit in the shade) at sports club on Saturday but couldn't be helped. All this means I've lost track of everything and it's making me tetchy! Need to spend half hour going through my statement/receipts etc. will get onto it asap.

4 items finishing on ebay this afternoon so fingers crossed they can be posted out tomorrow.

charhen19

Breakfast - cereal, lunch - sandwich brought from home, dinner - a bits and bobs combination of things which need using up from the fridge. I think this will consist of 1 burger and 1.5 sausages each (no buns), garlic bread, baked beans, new potatoes and a dollop of coleslaw :rotfl:

Done my surveys for this morning - must remember to log on again this afternoon and see if any more are available.

I got the birthday bottle of wine I needed whilst the supermarket had a discount running.

Still need:
*petrol - £15 tonight and at least another £15 before payday
*OH birthday gift once he decides what he wants
*£10 flowers for the cemetery for Fathers day
*minimal fresh bits/milk
*£10 for a works lunch

charhen19

1% challenge - I've got £67 from my wages set aside, plus £30 from my onepoll payout and a £24 refund so ALMOST at 2%. I WILL get there!!

charhen19

Just had another almost £5 & almost £8 pop back into my bank account to replace direct debits taken in error by the bank so I'll round those up, withdraw it to go into my envelope and that takes me to my 2%!!!!!! Onto the next %

charhen19

None of my eBay items sold . Maybe I was unrealistic in my expectations - I have resisted them all with lower prices. Now to get some more items listed.

charhen19

Yesterday was my first NSD in *ahem* longer than I care to remember :rotfl:
Forgot to say about my 5p's - £40 in there, now bagged up and I put the odd few back to start all over again. So I'm on my way to my 3rd %

Breakfast - cereal, lunch - leftover beans and sausage on toast, dinner - pork chops, leeks, new potatoes

charhen19

Surveys done for this morning. Need to try to get some more bits on ebay but we have such a busy week this week - literally got something on/something to collect/dropoff every day after work