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  • FIRST POST
    • fermi
    • By fermi 6th Jun 14, 1:18 PM
    • 39,669Posts
    • 47,650Thanks
    fermi
    DMP & Mutual Support Thread - Part 10
    • #1
    • 6th Jun 14, 1:18 PM
    DMP & Mutual Support Thread - Part 10 6th Jun 14 at 1:18 PM
    Once again the old thread was getting a bit large, so here is a fresh thread.

    The previous thread can be found here: Click ---> DMP Mutual Support Thread (Part 9)

    Or click here for the last page of posts on the old thread. ---> Last Page

    Good luck with your DMP everyone.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

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Page 1
    • Puzzcat
    • By Puzzcat 6th Jun 14, 1:25 PM
    • 3,346 Posts
    • 16,760 Thanks
    Puzzcat
    • #2
    • 6th Jun 14, 1:25 PM
    • #2
    • 6th Jun 14, 1:25 PM
    Lovely New thread....thanks Fermi
    Last edited by Puzzcat; 06-06-2014 at 1:31 PM.
    Christmas 2019 368 cash/99 vouchers
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    60062/25624.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • TimeToDoIt
    • By TimeToDoIt 6th Jun 14, 1:28 PM
    • 214 Posts
    • 475 Thanks
    TimeToDoIt
    • #3
    • 6th Jun 14, 1:28 PM
    • #3
    • 6th Jun 14, 1:28 PM
    I've subscribed to this one already as I was loving reading from you all on thread 9!!
    ~~I am debt free~~
    • Growurown
    • By Growurown 6th Jun 14, 1:39 PM
    • 4,678 Posts
    • 15,161 Thanks
    Growurown
    • #4
    • 6th Jun 14, 1:39 PM
    • #4
    • 6th Jun 14, 1:39 PM
    Ooh went to post and got a message saying the thread was closed but found you all here

    Grrrr car here again - but the insurance as opposed to the actual vehicle. Turns out they took an extra payment of 38. That coupled with DD1 telling me she needed 28 today or she can't go to her prom and she's so excited. She knows the financial position and none of the kids ever ask for anything these days and I gave her it. Why do these things only ever happen when we're already feeling below par?
    Originally posted by Kate_fixing_it
    Hi Kate, it can seem like one step forward and two steps back sometimes! Just when I think we are getting on top of everything life throws a spanner in the works. My emergency fund money this month has had to cover the short fall in OH's wages, so I'm desperately hoping the two cars between them don't set me back too much.

    Unless anyone has an idea of how to magic a few quid into my bank by Tuesday?

    Kate x
    Originally posted by Kate_fixing_it
    Could you ask hubby to go halves on the prom money? Seems a bit unfair for it all to come out of your budget. You'll be 20 quid up then
    DMP Mutual Support Thread No. 421

    Debt free date 25/11/2015 - Made It!
    • blisteringblue
    • By blisteringblue 6th Jun 14, 1:50 PM
    • 1,096 Posts
    • 1,999 Thanks
    blisteringblue
    • #5
    • 6th Jun 14, 1:50 PM
    • #5
    • 6th Jun 14, 1:50 PM
    Boo, I wanted to be first to post

    5th is the new 1st anyway
    • Kate_fixing_it
    • By Kate_fixing_it 6th Jun 14, 2:00 PM
    • 970 Posts
    • 4,196 Thanks
    Kate_fixing_it
    • #6
    • 6th Jun 14, 2:00 PM
    • #6
    • 6th Jun 14, 2:00 PM

    Could you ask hubby to go halves on the prom money? Seems a bit unfair for it all to come out of your budget. You'll be 20 quid up then
    Originally posted by Growurown
    Hadn't thought of that! He's away until God knows what time tonight (haven't seen him since Tuesday) and the cash had to be in today (she told me at 9pm last night ) so I was in a bit of a spot and really didn't think properly. She has been talking about it for over a year and I couldn't let her down.

    She's actually DH's step-daughter (although he's raised her and DS1 and helped to financially support them for 8 years - 5 years longer than her bio-dad did!) and that'd open another can of worms surrounding the fact that the ex pays nothing. Honestly, my life feels like an episode of Eastenders! I should send them a list of the stunts the ex has pulled over the years, they'd have masses of material We try to keep it away from all four kids, I'm entitled to my opinion but it's not fair to force it on them, that said the bad atmosphere isn't something I want to risk.

    I was actually about to reply to my own post when we switched to part 10 not realising it was mine (See? In a complete tizz!) and suggest calling SC for advice. I have now done that and they managed to get the DD request amended with 15 minutes to spare!

    Ive now halved it for June and can make that back up when the car insurance mess is sorted. The operator was fantastic! She extracted the information from my garbled panic, reassured and calmed me and it's all going to be okay. I can't put the words here that I used after I hung up as an expression of relief but let's just say Tarantino would be proud

    I even tried to get a refund on the massage but that's not happening so I'm still (guiltily) going which is probably a good thing as the panic has amplified my pain that I was doing really well with until now.

    I feel similarly to how I did when I made that first call to SC. Sheer relief. Cinderella can go to the ball, I'm not going to be walking on eggshells all weekend and I've had a kick up the backside to keep a tighter rein on things (I should have delved into this yesterday!)

    I'm off to breathe deeply and calm down now (and probably swear some more )

    Kate x
    LBM 17th Oct13 - SC DMP - DFD 10th Feb 2018
    paid pre-DMP 6146 paid with DMP 2275 F&F's 700 (450 discount) 1,000 (1,498.22 discount) 700 (489.62 discount) Total 9725

    Current debt to repay 3,503.13 taking one day at a time
    • Suseka
    • By Suseka 6th Jun 14, 2:22 PM
    • 200 Posts
    • 744 Thanks
    Suseka
    • #7
    • 6th Jun 14, 2:22 PM
    • #7
    • 6th Jun 14, 2:22 PM
    Great idea to start a new thread Fermi. Son and Granddaughter have headed off home now and my house feels very empty always suffer with a few 'down days' when they leave... won't see them again for at least 6 months - sigh!

    Need a distraction so getting all the Halifax paperwork together to have another go at getting them to freeze or reduce interest. Also need to turn my attention back to a PPI claim I've been chasing for several months.

    At the moment with the sun shining just watching my cats play about in the garden is incredibly therapeutic.

    Have a good Friday all and an even better weekend
    LBM: March 2013 / DMP Start: 1 July 2013 / 14 Creditors
    Debt: 80,473 / DFD: Nov 2018 June 2018
    Update (Aug14): Debt 62,920 (22% paid) / 11 Creditors
    • jubilee14
    • By jubilee14 6th Jun 14, 2:40 PM
    • 326 Posts
    • 923 Thanks
    jubilee14
    • #8
    • 6th Jun 14, 2:40 PM
    • #8
    • 6th Jun 14, 2:40 PM
    Hi all found you
    LBM Sept 2012
    started DMP 1.11.12
    Debt 37012/0 DFD January 2019
    • Powered_By_Pies
    • By Powered_By_Pies 6th Jun 14, 2:44 PM
    • 298 Posts
    • 598 Thanks
    Powered_By_Pies
    • #9
    • 6th Jun 14, 2:44 PM
    • #9
    • 6th Jun 14, 2:44 PM
    Hmmm, that new thread smell.... *breathes in deeply*

    Talking of cars, I'm starting to worry about my little warrior. He's been a bit more grumbly than normal recently and has started hiccuping every now and then, which is a sure-fire sign he needs some work done to him pronto. I just had a drive in him with the windows down and he's starting to sound quite tappety and rattly under low revs.

    I'll top the oil up a little later when the engine's cooled, but I might accelerate my plans for a cycle to work bike so that I can keep him on the driveway as much as possible whilst I save the pennies to get everything looked at - it's quite a list that I've put together on what I think needs doing!
    • Puzzcat
    • By Puzzcat 6th Jun 14, 3:26 PM
    • 3,346 Posts
    • 16,760 Thanks
    Puzzcat
    Boo, I wanted to be first to post

    5th is the new 1st anyway
    Originally posted by blisteringblue
    Not in my world..
    Christmas 2019 368 cash/99 vouchers
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    60062/25624.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Kate_fixing_it
    • By Kate_fixing_it 6th Jun 14, 3:27 PM
    • 970 Posts
    • 4,196 Thanks
    Kate_fixing_it
    Hmmm, that new thread smell.... *breathes in deeply*

    Talking of cars, I'm starting to worry about my little warrior. He's been a bit more grumbly than normal recently and has started hiccuping every now and then, which is a sure-fire sign he needs some work done to him pronto. I just had a drive in him with the windows down and he's starting to sound quite tappety and rattly under low revs.

    I'll top the oil up a little later when the engine's cooled, but I might accelerate my plans for a cycle to work bike so that I can keep him on the driveway as much as possible whilst I save the pennies to get everything looked at - it's quite a list that I've put together on what I think needs doing!
    Originally posted by Powered_By_Pies
    I have an automatic audi that needs a bit of work if you are interested?

    Cars seem to be a sticking point for us all at the moment, do you think it's a full moon and they've turned feral on us all? Glad you have a plan in place to get this sorted.

    Kate x
    LBM 17th Oct13 - SC DMP - DFD 10th Feb 2018
    paid pre-DMP 6146 paid with DMP 2275 F&F's 700 (450 discount) 1,000 (1,498.22 discount) 700 (489.62 discount) Total 9725

    Current debt to repay 3,503.13 taking one day at a time
    • Puzzcat
    • By Puzzcat 6th Jun 14, 3:29 PM
    • 3,346 Posts
    • 16,760 Thanks
    Puzzcat
    Glad you got it sorted Kate, now you can enjoy the weekend.
    Puzz.x
    Christmas 2019 368 cash/99 vouchers
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    60062/25624.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Kate_fixing_it
    • By Kate_fixing_it 6th Jun 14, 3:32 PM
    • 970 Posts
    • 4,196 Thanks
    Kate_fixing_it
    Glad you got it sorted Kate, now you can enjoy the weekend.
    Puzz.x
    Originally posted by Puzzcat
    Thanks Puzz, I feel totally wiped out now, I think another of those "s*d it" weekends is in order. Just my little family, the garden and a good book.

    Kate x
    LBM 17th Oct13 - SC DMP - DFD 10th Feb 2018
    paid pre-DMP 6146 paid with DMP 2275 F&F's 700 (450 discount) 1,000 (1,498.22 discount) 700 (489.62 discount) Total 9725

    Current debt to repay 3,503.13 taking one day at a time
    • Puzzcat
    • By Puzzcat 6th Jun 14, 4:04 PM
    • 3,346 Posts
    • 16,760 Thanks
    Puzzcat
    Me again!
    My sc review is due in August, although I didn't actually start the dmp until November. I know it can be done online, does anyone know if I did it early, say in July would I have to do it again in August or would another year'ish start from then?
    Puzz.x
    Christmas 2019 368 cash/99 vouchers
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    60062/25624.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • jubilee14
    • By jubilee14 6th Jun 14, 4:34 PM
    • 326 Posts
    • 923 Thanks
    jubilee14
    Me again!
    My sc review is due in August, although I didn't actually start the dmp until November. I know it can be done online, does anyone know if I did it early, say in July would I have to do it again in August or would another year'ish start from then?
    Puzz.x
    Originally posted by Puzzcat
    Hi Puz, i was same started in Nov 12 Review was in August went fine but next review is August again for this year.
    LBM Sept 2012
    started DMP 1.11.12
    Debt 37012/0 DFD January 2019
    • Puzzcat
    • By Puzzcat 6th Jun 14, 5:09 PM
    • 3,346 Posts
    • 16,760 Thanks
    Puzzcat
    Hi Puz, i was same started in Nov 12 Review was in August went fine but next review is August again for this year.
    Originally posted by jubilee14
    Thanks jubilee, would I be able to it in July 14 and then Aug 15 or would I have to do it again in Aug 14....confusing myself now!!!
    Christmas 2019 368 cash/99 vouchers
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    60062/25624.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Kate_fixing_it
    • By Kate_fixing_it 6th Jun 14, 6:11 PM
    • 970 Posts
    • 4,196 Thanks
    Kate_fixing_it
    I'm back home and OH...MY...GOD!!!!

    The massage was fantastic, feel like I'm floating, pain has reduced to minor discomfort (I'm usually reaching for tramadol by 7pm) and the guilt is gone and I haven't had a tablet since lunchtime.

    If you are about Monkeyballs I'd highly recommend it to help your back. Best 15 I've spent in months!

    Also discovered they are half the price of my "regular" salon (not that I've graced them with my presence this year ) and I'm so pleased. They really made me feel at home, was like sitting in a friend's living room while I waited and I haven't felt physically this good in months

    MASSIVE thanks to whoever suggested Groupon, it's almost too good to be true that I can feel this good AND save money.

    Kate x
    LBM 17th Oct13 - SC DMP - DFD 10th Feb 2018
    paid pre-DMP 6146 paid with DMP 2275 F&F's 700 (450 discount) 1,000 (1,498.22 discount) 700 (489.62 discount) Total 9725

    Current debt to repay 3,503.13 taking one day at a time
    • Time to face the music
    • By Time to face the music 6th Jun 14, 6:46 PM
    • 5,403 Posts
    • 38,276 Thanks
    Time to face the music
    Here you all are, lovely new thread but am I late for the launch party?

    Sorry to hear about more car woes, have been there, done that and got the t-shirt. We gave up late last year and spent some of our endowment shortfall savings on a replacement, as we felt we were flogging a dead horse. Old faithful had done almost 200,000 miles in 8 years but we do still miss that car.

    Kate - am really glad the massage made you feel so well, here's hoping the effects last for the weekend x

    Am on the train home from yet another meeting in London, am learning to love to love the "free" large glasses of wine and tons of food in 1st class, it makes travelling for work considerably more fun

    Hope everyone has a great weekend and copes with the weather!

    TTFTM x
    LBM 10/1/12 ~ DFW Start 6/2/12: 82,344 ~ Now Zero
    Debt free 17th April 2015
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt
    • DanielleNic87
    • By DanielleNic87 6th Jun 14, 7:56 PM
    • 1,038 Posts
    • 13,314 Thanks
    DanielleNic87
    Thanks jubilee, would I be able to it in July 14 and then Aug 15 or would I have to do it again in Aug 14....confusing myself now!!!
    Originally posted by Puzzcat
    Lurker here.... I recently done a review before my year was up, if you do it in July 2014 your next review would be July 2015.

    All going well my end, I shouldn't really lurk as I read the thread everyday

    I can't believe my 1st year is nearly up. Don't hear a peep out of anyone now.
    [COLOR="Magenta"]

    Annual GC 2017 1634.61/2200
    • FuzzyDF
    • By FuzzyDF 6th Jun 14, 8:11 PM
    • 147 Posts
    • 647 Thanks
    FuzzyDF
    I'm having car woe's too, definitely something in the air. Need both disc pads replacing but I think my big bro is going to help out.

    Yesterday I was losing the plot, today I am ready for em'. I expect my confidence will fluctuate a tad before I settle into the plan.

    In other news I got diagnosed with whooping cough today? What is that all about. Explains why I've been feeling overly grim.
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