Keeping afloat till I can get round to the debts!

NeverendingDMP

Thank you both x helps to have a voice of reason and someone to talk to about it sometimes doesn't it !

jwil

It's very easy to fall into the trap of trying to pay off as quick as possible, and then getting in a fluster.  I still have my DMP debts very low, and focus on saving and getting the work done in the house.  I go with the recommended figures for my budget even if I don't spend that, and I make sure I account for if I have to pay for childcare in the holidays.  Whilst I might not always need to spend that money, it's better than having a panic if I do need to one month.    It makes life so much easier and the debts are still getting paid.  When I've got enough in savings, I'll just clear them or do F&F offers, but there's no hurry.

NeverendingDMP

Thanks jwil. I think now I feel things are more manageable I'll feel more relaxed about it. And have just done a revised budget on an excel sheet with DH sat next to me. And I listed everything on its own line to help him see how many things we pay out for!!!!

NeverendingDMP

Fairly low spend weekend. No major costs except the food shop. TV licence paid for today as well-annually so that's a small savings I suppose. I swapped to paying everything annually then over last eighteen months with cost of living etc etc I ended up out of sync and everything on a monthly d debit again. I'm determined to get everything back annually again as when you add it all up it's a few quid cheaper each month. DH car tax due to so must look at that being annual as well. The excitement eh!  It's been raining heavily all weekend so Ive put the heating on for a bit. Need to warm the house up-and dry it out a bit!

joedenise

NeverendingDMP said:

Fairly low spend weekend. No major costs except the food shop. TV licence paid for today as well-annually so that's a small savings I suppose. I swapped to paying everything annually then over last eighteen months with cost of living etc etc I ended up out of sync and everything on a monthly d debit again. I'm determined to get everything back annually again as when you add it all up it's a few quid cheaper each month. DH car tax due to so must look at that being annual as well. The excitement eh!  It's been raining heavily all weekend so Ive put the heating on for a bit. Need to warm the house up-and dry it out a bit!

TV licence actually works out the same price paying monthly as paying annually apart from the first year where you pay double for the first 6 months as you are actually paying for 6 months in advance and 6 months in arrears.  I'm actually still paying at 2023 prices at the moment as it went up in April this year.  

NeverendingDMP

Oh no saving then. Gutted. Oh well it's out the way. Its gone up though I noticed that. I don't watch much telly but I do flick through all the bbcs and watch iPlayer from time to time  so have kept it on. 

joedenise

NeverendingDMP said:

Oh no saving then. Gutted. Oh well it's out the way. Its gone up though I noticed that. I don't watch much telly but I do flick through all the bbcs and watch iPlayer from time to time  so have kept it on. 

Same as us really.  We watch more of the commercial channels and BBC so no chance of not having a licence!

Sarahwithlove

I hadn't realised that the rate had gone up this year. I pay by DD as no chance of forgetting it and doesn't cost any more 

NeverendingDMP

Well the little gremlin that lives in my e fund told the gremlin in my house id hit 500. Sink knackered looks like a bolt in the plug has broke. Water everywhere and every towel p wet through!  Fortunately looks like a cheap fix

jwil

There's always something!  At least it's hopefully a cheap fix.