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

hypno06

Morning all.......Monday morning again.......9 days until OH second job pays, and 11 days until I get paid....not that I am counting or anything :rolleyes:

Today after work I am covering someone else's karate admin session so another long day for me. OH is starting a run of additional shifts in his second job today as someone left suddenly and has not been replaced so lots of work going begging. So the next few weeks will be even more disorgansed than usual while we are all like ships that pass in the night!

So, list for today:

• [STRIKE]make list[/STRIKE]
• [STRIKE]check online banking against bills still to pay/move money etc[/STRIKE]
• do karate admin
• aim for a NSD
• check quidco/pigsback etc
• check for mystery shops
• post off mystery shop receipt from weekend

Hope you all have a good day x

hypno06

In one of those random DFW "moments" we have from time to time, I have worked out that my (rather optomistic) snowball DFD is 20 months away.....(April 2010).

This equates to 600 days.

Or £85.90 a day.........

So, I have to find and pay off £85.90 a day somehow to ensure I am debt free on time........

and of course if I can round it up to £100 a day :rolleyes: :rotfl:

**puts thinking cap on**

benbenandme

Is that based on what you're already paying off your debts Hypno? Or if not, how much do you already have towards the debts and how much do you need to find if that makes sense?

OliveOyl_2

You could bring it forward Hypno.
You haven't counted pay-rises, bonuses and the fact that your electricity bill will fall as you are never at home, you're always out working

September there will be an extra £60 or so in your pay packet as Gordon/Darling make up for the loss of the 10p rate. (for OH too.)

And there are rumours of £150 for peeps in receipt of family allowance. (My last fa ever this month so not me :rotfl: ) This is for fuel stuff, but is only a rumour.

pania

oooh whats this "making up for the loss of the 10p rate? i am already slightly better off as a result of the loss of the 10p and not seen anything suggested that makes up for it?

I'm not a friend of the governments at the moment, what with the stamp duty rumour that came out last week the housing market is in further turmoil than previously. I for one have lost 2 mortgages by people pulling out at the point of exchange and waiting to see if they can save money by hanging on a bit. my feeling is people will loose more from the value of their houses than they stand to gain in stamp duty unless they are loking at a large house with as saving of 15k+

right.. work!!!! Have a good day everyone. xxx

hypno06

benbenandme wrote: »

Is that based on what you're already paying off your debts Hypno? Or if not, how much do you already have towards the debts and how much do you need to find if that makes sense?

Ooh, I will have to do more number crunching at lunchtime to work that one out!

My figures were purely based on amount owing divided by number of days....

so £51542.29 / 600 = £85.90

Working anything else out involves working out the interest I am paying out of the monthly basic payments......so will need a little more brain power.

But I am working on it

It does sort of put it into perspective though that it is not such a huge hurdle, so quite encouraging really :cool:

peb

This needs to be renamed the chocolate diary;

Incase anyone has any to spare my favourite is dark orange chocolate..

Use 70% for cooking with as it goes further (I think) than just eating it.

However I still have that large bar of dairy milk in the fridge and am grateful that none of you like it!

hypno06

Peb......"if anyone has any to spare"......we are talking about chocolate - of course there is never any to spare :rotfl:

As for not liking dairy milk - it is not really that I don't like it - just prefer the better stuff. But of course I would never turn it away for fear of putting cadbury out of business......:D

lucielle

How many squares have you got coloured in now?
L

hypno06

lucielle wrote: »

How many squares have you got coloured in now?
L

78 out of 2025