Trans girl in a financial hole looking to juggle my way out.
in Debt free diaries
68 replies 5.1K views
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My first thought was to ask if you can reduce the DMP payment to £100 per month, it will only take 3 more months to clear it and this monthly reduction would resolve your shortfall as per your first outgoings list.
However, then you wrote that a spare £20 would be easily spent on a takeaway, so I second the suggestion of keeping a spending diary - I did this in one of those £1 types from any cheapy shop or you may be a spreadsheet wizard. It becomes a ritual to fill it in every day and keeps you focussed.
So I think your mindset needs to change before you reduce your debt payments because a spare £20 should ideally be thrown at the card with the highest interest rate and that should also be more satisfying than a takeaway lol!
I would also suggest keeping your monthly payments at what they are now if possible instead of following the reducing minimum payments as you will make better progress that way.