Hypno's recession busting debt diary.....

gailey_2

Thanks hypno Im trying to stay positive £600 is good brings egg down to £1500 and reduces hubbys tesco card too. Im going to encourage him to pay egg off first as they sound a nitemare.
I am doubling my minimum payment to barcaycard and will pay some extra if I ever get any money spare!
Am struggling with bank charges again recentky which is getting em down as not spendt on account in weeks jjts been using cash and paypal from selling stuff must be delayed payment but charges accumulating so my first priority is to get my accoubt within limit.
Im not sure I can link paypal to savings as that would be handy separate as cash gets swallowed up by charges definatly writing a letter as was doing so well.

Dont think I will be lucky enough to get tax credit windfall been entering loads of comps wishful thinking dont think im a lucky person.

Youy signature is fab must have taken you ages to colour in!
you deserve takeaway as treat. I reckon you will have hsbc paid off by xmas!
So does this bring your debt free date foward? I wa sthinking only last week you just got got sub 50grand I reckon you could be sub 40grand by febuary!

It weird I worry and our debts less than yours but yours were huge at begginging and now they coming down so fast must make you feel great.

Do you still worry lots about money? How do you stay positive and motivated as I feel daunted with smaller figures.

Surfbabe

Oh wow Hypno - fantastic - it took me two pages of reading to find out why your signature had changed soooooo much from this morning !!! and you deserve that takeaway at the weekend as well !!!

evab_2

that great news, really pleased for you xx

The_Dragon

hypno06 wrote: »

OMG!!!!! The money is mine!!!!!!!!!

Just rang tax credits who have confirmed that it is, indeed, mine!! I can keep it

:j:j:j:j:j:j:j:j:j - that will help your £20k by Yule challenge! and how soon does it bring forward your DFD?

duchy

Woo Hoo
71 squares tonight for you young lady !!

boredofbeingathome

Brill news Hypno..that must be a weight off your mind.

hypno06

Thanks guys - but for every positive there has to be a negative to balance it out.......and of course I spent lunch time ringing tax credits and getting excited about colouring squares in.......


.......so I still haven't done the second article So my knuckles will take a rapping and I will be ever so apologetic and promise not to be late in submitting work ever again!

DFD now stands at March 2010.....18 months :j

gailey - like most people on here, regardless of whether the sums are large or small, I go through peaks and troughs - sometimes I can be the most motivated person ever, sometimes when I hit a brick wall I am absolutely bloody useless. The last "bad patch" I had was only about 6 weeks ago and I was absolutely down about everything moneywise - there seemed to be no end in sight, ever.

So, stick with it gailey, you will come through - it is not easy, but all the time we are doing this we are learning and we are getting there. Slowly but surely.

I've not yet coloured in my squares.........I am waiting until I get home so I can use some of DDs funky colours :cool:

boredofbeingathome

Think i hit my brick wall lately Hypno..so had to keep coming in here for a fix and a mental kick up the backside..

Karmacat

Oh Hypno! I am so, so pleased for you, thats absolutely wonderful! Such a lot of money.... I'm glad you kept back a little bit for a takeaway, that really needs a celebration.

Gemmzie

Don't forget to keep updating them now or they could chase you later. If the kids leave education (a while a yet for yours I think), if you or OH change your income - tell them immediately.