Off on our adventure....Jan 2015

A question about : Off on our adventure....Jan 2015

Well I thought maybe I should start a diary so as not to fill the other threads with waffle....I thought I had started one the other day, but I just can't find it now, so maybe I didn't actually post it....LOL

Anyway, after our LBM just over a week ago, we are now just waiting to send all details to SC and hope to do that this week as soon as we have our new joint account details...didn't want to do it before as don't want them contacting our old bank. Soon as we get the account number I will set up all our new DD's and contact Lloyds to tell them I want to downgrade our Platinum account to a Classic.

Letters are all ready to send with the Ј1 token payment, which I will do this week as a few of the CC's are due at beginning of month. Hopefully the DMP will start in March.

I have registered us both with Noddle, as advised on another thread and am surprised that we actually have a credit rating of 3/5....expected it to be lower!

So what did we do this weekend? Well yesterday we decided to go for a carvery as we may not get too many treats in the future. I get the odd few hours overtime some months, so that was what we used to go out. 2 carveries ( I had the veggie option so was cheaper) and 2 drinks for under Ј16, so don't think that was too bad.

Then today I signed up for a few more survey sites, but have noticed with a lot of them they keep saying I am not eligible etc.....probably because I am too truthful and have no kids, no pets and not a lot of interests etc....maybe I should tell a few porkies to get more surveys. Then we went for a walk in the sunshine to see if the Co-op had any offers just before they closed....they didn't but at least we got a nice walk.

Now watching TV, cuddled under a blanket to save on the gas and just about to have another cup of tea. Lets see what this week brings.....

Best answers:

• Hi Ploppy
  Great to see you've started a diary - I've subscribed and will closely follow your journey.
  We have printed off the SC paperwork and aim to fill it all in this week. I spent today phoning life insurance, car insurance, house insurance and changing direct debit details. We set up two individual new bank accounts and was fairly instant (all done online). Our plan is to use one for all the bills and SC payments and just put money we can use for us in the other each month. That's the plan, let's see how well it works.
  I managed to organise TV licence DD online, but changing the DD for the monthly car tax has been a nightmare - still not sorted
  Anyway - good luck to you
• Hi Ploppy
  Just popped in and subscribed, look forward to reading your diary and hopefully having some useful input in the future
• Hi Ploppy,
  Welcome to diary land..! Have seen you over on the dmp mutual thread.. I shall subscribe and cheer you on..
  Puzz. x
• You know when you just have one of those days and feel like you are going round and round and getting nowhere??? I have been like that today. Think maybe we are in a bit of a muddle with trying to set up the new bank account....which Natwest now tell me will be 48 hours before they can provide us with an account number......just a few days before a lot of DD's and CC payments are due! So I probably can't get the DD's changed in time for this month. I would imagine they need more than a few days notice to set them up....??? Anybody had any experience of this?? So we have letters ready to go to the CC's and Banks etc, but can't send the ones to Lloyds yet as we bank with them so don't want them to know until after I am confident we have moved the DD's. So if I just make a Ј1 token payment, I am hoping that when they receive the letter, which will be after the payment was due...they will still be ok about it. Just seems a bit confusing and daunting at the moment.
  Think a lot of my problems are due to the fact that hubby, although he wants to do the DMP etc, he is not actually doing anything about it apart from signing forms that I put in front of him and he hasn't actually got a clue how much time this is all taking for me to work everything out and write letters, find addresses, set up DD's etc and I just feel like I can't switch off at the moment. Even the simplest little thing seems to take soooooooo long.
  Anyway, I am now going to finish the rest of the letters ready to go, make some Ј1 payments and get the dinner on.....not even got a clue what we are having today as I was supposed to go food shopping after work, but just couldn't be bothered!
  Sorry for the moaning diary entry, I promise I will be better tomorrow!
• Hope you can rustle up something for dinner, sometimes these turn out to be the best ones.
  Good luck with your bank no advice we used nationwide for ours and got account details the same day.
  My dh is the same but tbh I prefer it that way. I am a bit controlling now when it comes to our finances but it works for us.
• Hi ploppy, good luck. I'm subscribing, so I can perhaps offer a bit of support on your journey. I started a self managed DMP a year ago with the same level of debt as you, so can empathise with where you are at present. Stick with it. It can be a bit disheartening in the early stages of setting the DMP up and getting the new bank account sorted out etc and at the start the debt can go up a bit before everything settles down and the regular payments kick in. My advice at this stage would be try to save up a bit of an emergency fund while you are paying the token payments to see you through those unforeseen expenses. I didn't do that and really regret it. All the best. HB
• Feel free to waffle away Ploppy - I know exactly what you mean
  Just like you I am unsure about SC contacting all our creditors yet soI am delaying sending the SC paperwork through because it didn't feel right asking them not to contact certain creditors yet, i.e. Halif@x because we want to be sure wages transferred to new account - so I will just wait a bit longer.
  Happy Tuesday to you Ploppy
• Hi Ploppy,
  I was in a similar position at start up, well most people are to be honest. I needed to get a joint account closed before commencing the dmp as OH has his account with the same bank that I would be defaulting 3 accounts with, so wanted us to be disassociated before I started...
  I held onto my paperwork, I know SC can contact some and not others but I'm a little untrusting as mistakes do get made so chose to wait...
  I'm always waffling on my diary, I think many people in debt don't talk about it in RL, no one knows about mine. OH knows I have some but not the level...!!! So waffle away...
  Puzz. x
• Well, just a quick diary entry before I get ready for work.....last night was a good night....I had a ceremonial shredding of unwanted credit cards!! Made me feel quite good, although I did have a quick wobble afterwards as I suddenly thought we now have nothing to fall back on in an emergency until we get our emergency fund going. Of course this month has a lot of extras to pay so not likely to get the fund going much this month....had to pay a NI bill of Ј75 from where I was self employed up until end of last year, then got one last payment of Ј193 to make on a loan we had that is not worth adding to the DMP as it finishes this month anyway, then I also owe Ј101 to the company that I worked with when I was self employed, as we used to ahve to rent the equipment of of them and I thought they had already taken the money as I had a DD set up and it should have come out on the 7th, so I cancelled the DD without checking and apparently they havent taken it so now I owe it to them and have to pay it on Friday when I get paid....luckily I should be getting Ј100 bonus this month but I was planning in buying a few clothes while I actually have some spare money as don't suppose I will get much for the next few years and I am rather desperate.
  Anyway, off to get ready for work now and hopefully the new joint account details will be through the door when I get home.