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

hypno06

hi The dragon - I don't know what it does about loose veggies etc.....hopefully there will be instructions with it when I get home!

The egg card should be gone by the end of next week.........:D Then it is the turn of the poor old HSBC account.......£6700 of that to pay off which will hopefully be gone by Easter.

I should also be under £50k in a couple of weeks which will be a very good point to be at. As it is, I am 65% of the way to my "pay off £20k by Christmas challenge" :j

The_Dragon

hypno06 wrote: »

hi The dragon - I don't know what it does about loose veggies etc.....hopefully there will be instructions with it when I get home!

Okay - well, um, could be interesting :rotfl:

The egg card should be gone by the end of next week.........:D Then it is the turn of the poor old HSBC account.......£6700 of that to pay off which will hopefully be gone by Easter.

Woo hoo! go the Hypnos!

I should also be under £50k in a couple of weeks which will be a very good point to be at. As it is, I am 65% of the way to my "pay off £20k by Christmas challenge" :j

So at this rate you will not only get to you £20k but you will beat it :D:D

gailey_2

Well done hypno you doing so well im astounded how you manage to pay off such large amounts. How do you decide what to pay first, snowball highest intrest rate or pick smaller debts first.

Will persavere with lighspeed, valued opinions is even worse as done surveys but earnt no rewards.

just another 7000 to go b4 xmas, im sure you will do it

hypno06

gailey, I don't strictly stick to the snowball calculator which says always pay off the highest interest first, because sometimes they are balances that can be overpaid like Egg, sometimes they are ones that can only be paid with a full payment of the amount outstanding, which is obviously harder.

So my method is a tried and tested one - "see what you feel like paying today" It generally works well :T

Gemmzie

The scanning is only on their selected list of shops so local butcher etc they don't count. If you buy loose veg at Tesco, for example, because you tell them the total cost and then scan each item, they can pretty much work out what the missing items are and assume they were un-scan-able.

Gemmzie

And well done on the £350 :eek: I'd missed that one!

Sea78

I do factfinders scanning and scan after each shop, but also have to scan if it was an offer, and the price etc. We have an extra list for non-barcoded items as well. I think mine is an awful lot of work for not much - shop'n'scan sounds better!!

hypno06

Well the stuff we have seems to be factfinders.......I will read it through tomorrow as my head aches right now!

£18 from lightspeed has been received in paypal so I have withdrawn that - it can go to the egg card when it is received in the bank.

Didn't manage a NSD - OH needed milk at the last minute. Oh well....almost!!

Ches

Please excuse the interference of a long time lurker. I have just read your post on seaxwyn's thread saying that this month was the first month you had not incurred bank charges. Is it cheeky to ask why you have incurred these bank charges when you could have avoided them by not overpaying on your debts? Surely in the long run you would have had more money to make overpayments because you would not have been giving so much to the bank. I hope you don't find this post offensive, I am honestly just being curious not critical.

taxi73

Morning Hypno well done on the £350 off egg.It's nearly gone now.Factfinders was the one we got and sent back.The unit was broke and it was a lot of effort for not a lot of reward.
Hope you have a good day xx