My DMP diary - 2026 (year 1)

ArtyJ931

Week 33 update

Debt things

• My TransUnion credit report came through the post. It is a BOOK. It is as big as an old phone book. Needless to say I've done nothing with it as it's hard to figure out.
• No further defaults.
• FD have sent my debt to a collector and had the first letter.
• Nothing from FOS
• No other letters/ emails/ phone calls
• First payment has gone out to Moorcroft

Other money things

• Have had a sale from vinted, a bit of cashback and surveys ready to pay out - adding up to about 70 quid this week which is amazing for a side hustle.
• Salary money shuffle done. Some Christmas presents bought from my gifts pot. All pots looking ok.

Willowtree222

£70 is good as a side hustle!

ArtyJ931

https://forums.moneysavingexpert.com/discussion/comment/82193795#Comment_82193795

I would have to tutor 2-3 students to earn that after paying costs, so I am well pleased. Doing it sitting at home on the sofa even if it did take much longer was highly preferable!

futuremewillthankme

I need to look at Vinted and get selling. That's great side hustle money.

ArtyJ931

https://forums.moneysavingexpert.com/discussion/comment/82194605#Comment_82194605

The majority of it was from prolific!

futuremewillthankme

https://forums.moneysavingexpert.com/discussion/comment/82194645#Comment_82194645

Thank you. I have joined their waiting list!

jwil

£70 is great!

itsthelittlethings

HI. After reading the first post I hope you have managed to default. £1000 a month on debt repayments! Keep your credit report. Maybe you can give it to a museum when you get old. Would be fascinating social history.

ArtyJ931

Week 34 update

Debt things

• a handful of letters popped through - one from w'cott who FD have tasked to collect my major whopper of an outstanding amount. (over 50% of the total)
• also some silenced calls, voicemails from w'cott. considering getting a new mobile deal with a new number so I don't even have to see silenced calls.
• Nothing else doing, no defaults, no FOS news. Nada.

Money things

• Been sick over the last week so made the most of laying on the sofa by doing most of my Christmas shopping online. From the gifts pot. All budgeted for. I feel very grown up even saying that.
• I had 4h of free electricity for joining a reward thing with my energy company (never managed to earn any to this day) so used 3h of it at the weekend and batch cooked slow cooker soup for lunches, and also food for all my dinners this week. Washed 4 loads and got most of it mainly dry in the dryer which I haven't used in 3 years because of the cost. So that was a win.
• I've moved money around in my pots again. Decided to keep a minimum of 1k in an emergency fund that can be reached immediately (an instant access ISA) and the rest of my 'emergency fund/ settlement fund' I've moved to premium bonds so 1. I can't access it for a few days and 2. I get the thrill of a flutter once a month. (100 win this month)
• Cashed out 61.46 from prolific this week. Have another 51.00 in there which I'll hopefully build up to about 100.00 cash out soon.

That's about all from me. Work has SUCKED this week and I am sooooooooooo happy it's Friday and I'm mostly better so can have a chill weekend.