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

hypno06

bob - have a fab holiday

ali - no dreams last night......I was too tired to be thinking of dvds, or anything else for that matter. I rarely dream, or remember dreams. We will deal with the refund etc later should OH fail to find it during the day. It is not the end of the world!

ali, yes £3.20 can go now - I kept it while we were relying on the overdraft, but as we have started August level I am sure it can go very soon. That £3.20 would buy me a coffee or two

Two loans come out today - so totals can be amended. The snowball DFD is April 2010 so 21 months - not long really considering the amount of debt....but this is assuming I pay off an additional £1000 a month in overpayments...........:rotfl: Ever the optomist, me.

I did the "NSD challenge" in July and failed - I set myself a target of 10 NSDs in July but only managed 4. We are now in August and I have set a new target of 8......2 a week. I am hoping for my first one today......trying to get off to a good start

Have a good day everyone x

benbenandme

Wow Hypno, your 20K challenge is looking very very impressive :T :T :T

OliveOyl_2

hypno06 wrote: »

bob - have a fab holiday

ali, yes £3.20 can go now - I kept it while we were relying on the overdraft, but as we have started August level I am sure it can go very soon. That £3.20 would buy me a coffee or two

I am hoping for my first (NSD) one today......trying to get off to a good start

Have a good day everyone x

So don't go spending that £3.20 on a coffee yet

mizmir

Morning hypno. Hope that DVD turns up - how frustrating. I've joined the NSD challenge too - do you count no spend as no unbudgeted spend, no cash spend or absolutely no spend?? Would a day when you spent nothing but a DD went out of your account count? What about spending nothing except petrol within monthly budget on card? Either way won't make one until Monday at least am pretty sure! Have a good Friday!

Snaggles

Morning Hypno - happy new diary!

Good luck with the NSDs. I find it really difficult to spend nothing at all; something always seems to crop up. I think I should really join that challenge too.

Mizmir, I really like your sig.

hypno06

I count a NSD as a day when I have spent nothing other than direct debits due out of the account.

so if I spend any other money, be it on petrol, food, coffee, bus fare then I cannot say I have had a NSD.

Perhaps that is why I have so few! But what it has done in the last month is make me realise that there are very few days that there is not "something" that crops up.....so I have to work that bit harder at it in order to streamline the spending a bit. So for example doing one big shop a week rather than relying on going to the local shop several times a week, or buying a weekly bus pass rather than spending on daily bus fare.

On another note - the £100 from the gas/electricity refund has hit my account today so I am going to make an overpayment to egg.....:T

Karmacat

:wave: Hello! I had a feeling I should come onto mse last night, and look what was going on! A new hypno diary, and its on page 3 already..... good grief.

And it really shows what life is like as a committed dfw; this huge project to get to where you want to live and honour your dad's memory, and in the present moment, its about finding a dvd that sold for £3.20 - and we're all like that, I think - paying off debt to get to a better space in life, but it so often comes down to doing a £1 survey, or taking pics to put on ebay, things that seem so little in themselves, but when they add up will get us where we want to go.

So, good luck to you on your journey, hypno - you make your own, so I know that will come true. Age 42, I want you in that dream house in the dream area, that will be wonderful. Rooting for you all the way

:dance: :dance:

Keeping_Motivated

Hi Hypno

I count my NSD similar to yours other than I do not count bus fares or petrol in a NSD if they are to get to work.

I'm glad you are able to make an overpayment already this month so only £900 extra to make to meet this months target. Crikey... but knowing you you will have a very good stab at it.

KM x

mizmir

That sounds fair. Tougher rule I think than the old threads on this but more sensible. I can quite often go without spending any cash but will then find I have to fill up the car or pay the dog walker - so 2 a week will be a challenge..... but hey - I guess that is why it is called the NSD challenge - hey?

But I saw a really nifty little tool on here the other day - www.spendingdiary.com - hadn't seen it before. But the great thing is I can get it on my mobile so I can add things as they are spent and so don't forget anything. Can't see the reports on the mobile but get those online when I get home. So for the first time should be able to accurately track spending each day - I have tried notebooks, backs of envelopes but I never have it with me (or don't have a pen!) when I actually spend - my mobile I have on me all the time (sad person that I am!).

mizmir

P.S. great news on the overpayment! :T