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

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Comments

  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    I too was wondering how £49k had become £45 since I last looked.

    Oh how fantastic for you Hypno. You will be below £40k so soon now

    How does the current lower figure change the interest payable? Is it a large enough difference for you to really see the capital getting paid off that much more quickly?
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Wow that's super fantastic about the tax credits Hypno. I'm so glad for you! How wonderful to know that good things can happen out of the blue.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    OMG that's SO exciting :D .

    Now, on to important matters - are the colouring pens felt tips or gels? What colour scheme are you planning? Are you spending the afternoon planning a pattern or will it be purely random? Will you do it all at once or break for coffee and to update us on progress? Will anyone be allowed to help :confused: ? Decisions decisons, whoever said money brings with it responsibility was right :rotfl:

    EDIT: Can all those of you on the Travelodge website pelase get off - I'm trying to book some £9 rooms and it keeps crashing :o
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • WorkingHardDFW
    WorkingHardDFW Posts: 1,324 Forumite
    That is so fantastic Hypno - Go girl with colouring those squares in

    :T :j :T :j :T :j :T :j

    In my experience its not often you get windfalls like that so enjoy!

    My experiences of the TC system has not been good and it culminated with us getting at £2.5k bill when we returned from holiday last summer :eek: Thanksfully we are now out of the system as far as they go.

    Enjoy that takeaway at the weekend:D
    Working Hard to be Debt Free - one day :A soon
    DFW Long Hauler 74; Mortgage overpayments MFiT-2 challenger 100
    Total Nov07 £36000, Sep10 £1623:o:)
  • strumpet
    strumpet Posts: 652 Forumite
    Hey Hypno,
    Great news about the tax credit windfall. Happy colouring in those boxes!

    Strumpet
    NIL ILLEGITIMUS CARBORUNDUM!
    Nov Grocery Challenge: £0.00 / £150.00
    Horace & Strumpet's NSD Challenge (Nov): 0/8
    £2 Savers Club #088: £200 since 01/09/2008 (£0 to bank) (Banked £200)
    Slimming World: 15½lbs/21lbs (74%) at end of Week 18 (Target date for 13st: 25/12/2009):dance:
  • lucielle
    lucielle Posts: 11,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That is brilliant news Hypno, happy colouring.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Mudbath
    Mudbath Posts: 5,479 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Omg that's fabulous Hypno!!!!!!!!!!!!!!!!xx
  • benbenandme
    benbenandme Posts: 12,350 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Wow, what brilliant news Hypno :j :j :j Its scary how incompetent the tax credits people are though, but sooo pleased for you that they realised they owed you eventually :D:D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy colouring Hypno!! Thats amazing :T :T :j :j :beer: :beer: :D:D Your £86/day challenge is hugely ahead now :rotfl:
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    We had Chinese takeaway for dinner.......picked it up on the way home :D It was delish :D

    Now......for those colours :D
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
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