DMP Mutual Support Thread (Part Three)

lmw1977

There's been some good posts this afternoon...as I'm just starting out I especially liked the encouragement and what I wished I'd know type posts; I'm also glad Oh.My.Goodness didn't take as long as I took to decide to fill in the online CCCS forms - so well done to you Oh.My.Goodness

I chose the online route too - for the same reasons that have already been mentioned: I did want to admit my debt problem/money idiocy but saying it out loud made it too real to deal with then. I am ready to talk now but I wasn't then.

I'm a fella. When I went to sort out my debt problem the lady at the bank was so helpful and understanding and rather motherly I must say. She was able to help: "a loan's the only way I can help..." she said - how getting a loan with the same/higher monthly payments can possibly help anyone who can't afford the monthly payments now I guess I'll never know that's HSBC for you! The tears nearly burst the banks then...being male and British I managed to do what any good upstanding British man does...bottle it all up...

...until the early hours and then weep into the pillow wondering how I could be such a failure when my old man was such a stalwart that always provided for the family!

Thank God that : the times they are a changin'

Well done to us all I say! Ask me about it in a couple of months and it might not be as rosy so I thought I'd get in the positive comments now

newlywed

lmw - A year this month on my DMP and still no regrets - other than not having done it earlier.

It is honestly only the jealousy thing over holidays. But when I'm thinking honestly I couldn't ever afford them before anyway - they just went on the credit card to be paid off sometime never . Now at least if we do go away for a few days (UK usually as I haven't got the £70 for a passport at the moment) we know that it's only the rest of that month we struggle a bit for, and that from the next payday, we'll be back where we were, rather than in £££££ worth more debt And you know what... in just 5 years time I should be off on a holiday fully paid up in advance, with all my spending money already available and saved up in my bank account, and planning the next year's one as soon as I come back . I'm thinking that's going to feel like the best holiday ever

sam89

Well done Oh My Goodness :j . So glad you're on your way to sorting your debts :T .

Newlywed, your comment on days away has really cheered me up. We're going away in June for a week, self-catering cottage with my Mum and Dad. In theory our expenses shouldn't be much higher than a week at home, the cottage and travel were paid a few months a go. However I've been feeling a bit down about it because this is our first holiday since starting our DMP so there won't be a credit card to use and we're going to have to be really careful.

BUT, when we come home money will only be tight till next payday and I won't be worrying about the CC bill coming in with all our holiday spending on it. Thank you for giving me a new way to look at it :T .

Sam,
x.

yellowmonkey

Wow over 200 members now. Well done to each and everyone of us :T:T

Special well done to Ray for keeping up with everything and giving great advice :T

Proud to be a Dumper :rotfl:

No 38 saying

TTFN

louietudor

reading todays post and the previous weeks somethings really amaze me:

it amazes me that not only is it me with debt problems ( believe me for a time i really thought i was the only one)

it amazes me that everything i feel someone else has felt

it amazes me that every fear i have has been feared by others before

it amazes me that every question has an answer and every problem has a solution

it amazes me that people ive never met and probably never will, will give me support and help with such generosity and kindness

i think i should sum this forum up in one word - AMAZING!!!

rayday2

I thank everyone who comes into this topic and gives their time up. Logging on tonight its heart warming reading the last two pages (well most the topic is!)

I was completely alone when I started my DMP never even realised that was what I was doing until I found this website! My debt solution got a name then. I don't think many people who know me know I am on a DMP it takes too long to explain what it is, you say minimum payments people assume its the minimum companies ask for etc

Our lifestyle is not very compromised now either because we have learnt to save, we remortgaged this year to a high street lender but every month that goes by we owe less and the bad habits of the past are another month behind us.

YM! Just read your sig 6 months off the ciggies its gone quick for me well done!

lmw1977

louietudor wrote: »

reading todays post and the previous weeks somethings really amaze me:

it amazes me that not only is it me with debt problems ( believe me for a time i really thought i was the only one)

I'm with you...when you look at it on here you realise what a twit you were being...I honestly thought I was the only one who had stood at the till cheeks bright red from ebarrassment as I try to explain that my CC should have the £15 available for the ironing board we desperately needed -sorted this now btw; freecycle / moneysavingexpert were my saviours - forgetting that they were going to lamp a charge on for my past transgressions!

louietudor wrote: »

it amazes me that people ive never met and probably never will, will give me support and help with such generosity and kindness

I think we can all agree we're generous...ok...a little too generous with money sometimes...but generous none-the-less! Seriously though anything I can do to help anyone having the same feelings that I have been and am still having I'll do. I wouldn't want people feeling as desperate and depressed as I have lately - I really wouldn't wish it on my worst enemies!

louietudor wrote: »

i think i should sum this forum up in one word - AMAZING!!!

damn right this place is AMAZING!



newlywed thanks for your input I was worrying what to say to the family about holidays...etc. I look forward to the time when I can say with a smile that I've paid for this in the here and now and I can enjoy it without worrying about the fallout on my return!

I know this is not only: the only way forward; but it feels right too. It sure beats the thoughts I had been having at the REALLY low points regarding life insurance et al...least said soonest mended on that front to my mind - thanks once again to here and CCCS really both sites showed me another way out.

My family are ones for just upping and nipping out for a meal though with no warning...I used to just go and worry about it at the end of the month...I cannot do this anymore...I've told them the mess I'm in and now I know that they'll not take offense when I have to politely decline the offer...no matter how much I want to go...ho hum...soon I'll have some spare cash when the debt albatross is gone from around my neck!

Just_Me_4

Just to add to the thanks. Rayday you do a fab job. I haven't much in here recently as we are still waiting for things to happen.

rayday2

Just_Me wrote: »

Just to add to the thanks. Rayday you do a fab job. I haven't much in here recently as we are still waiting for things to happen.

People always do go quiet its that first anxious bit full of questions and then the sitting waiting bit. Bet a few weeks ago you didn't think it would go quiet!

While you lot have been all admirable and wise with money I have been out this evening checking on our puppy. Hubby is currently decorating the utility room (DFW way all old paint and graft) life is ticking along.

Oh and for any that were following the Lloyds soap opera - they turned down my doubled offers of payment - well I have had two statements now, no interest added on but as pig headed as they are the statements say they want the old payments not the new! My gran would have called that cutting your nose off to spite your face. They get what I send them the new payments!

Oh.My.Goodness

Ar Rayday2, pups are great aren't they, don't know what I would do without my two stinking fleabags