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

lucielle

Well done Hypno, soon be catching me at £44999.00. I'll have to get my skates on!
L

gailey_2

Yes might do that hypno as havent joined that challange, not sure if I can make 10quid a day but sure would be motivation I need.

Not had any surveys sent in ages?!
Been selling large things like prams on ebay

still owed £120 for one buggy
buyer picking up and paying cash thur for another buggy £220
Got 2 more buggies 2 sell approc combined value £170
got buggy liner 2 sell £15
Plus adult/kids clothes to list approx value £200
I have been doing carboot sales 2 times amonth doen 3 so far value £85 quid

I have been using money to fund outgoings £250 nursury fees, phone bill and money off cc as well as £35 quid a week to live on.
I have enough to sell to last me until early october.
I have spent alot of final paypacket on start up costs for business, gave hubby £340 to pay off his egg card and car tax.

I need to get my head around free bingo and enter few comps, maybe set up quidco too but at the moment nothing I need to buy or switch!

Contemplating maybe getting part time job but might make tax more complicated as would be employed and self employed at same time.
Will investigate tax credits but not too hopeful as earnings last year too high
Not sure if i can get bank charges back but will try by writing to them..

OliveOyl_2

:spam:

oh dear

MissShoes

Spamalicious! He's on other threads too...what a spamhead :rotfl:

Sea78

Fantastic going on the egg card hypno and *hugs* for the emtions going through the box.

Sea xx

gillypen

long time lurker

may i just say well done on the egg card

taka

Well done Hypno!! Congratulations! :beer:
:EasterBun , :bdaycake: and :beer: in order I think!



Its been ages since I've been here... According to the last logged in thing I last logged in 31st MAY 2008!:eek: :eek: :eek: :eek: I knew it'd been a while but...:eek: :eek: :eek: :eek: I finally bit the bullet and updated my budget for the 1st time since early May. I'm definitely over budget for the last 4 months (by ~ £400 total -god only know what I spent it on) but its nowhere as scary as I thought it could be! I'm still debt free :j (paid off my loan in May and decided to save for the house repairs instead)... just not as far on with the savings as I'd wanted to be... so I'm back!!

I've spent half of the last few days reading various diaries and trying (and failing) to catch up! Is it just me or have loads of people changed their names?? How is everyone? Whats happened in the last few months?

hypno06

hi gillypen!!! Nice to see you!

taka - welcome back!!! I am only aware of a couple of name changes, but there may well be more!

At least you are still debt free - despite your little overspend.......now, keep on posting from time to time, just so we can keep an eye on you :rolleyes:

I have nearly finished Dad's box of papers - most has gone for shredding or recycling, but there were a few "gems" that needed to be kept and a few strange things - such as my Mum and Dad's divorce papers.......any ideas what I am supposed to do with those I don't feel as though I should throw them away, but then again, I don't know that I want to keep them. I guess I need a proper storage box for bits like that so they can go in the loft until such time I make a decision.

Hopefully I will finish the box off tonight and then I can walk through the landing without risking a broken leg

Keeping_Motivated

So hard to decide what to do with things like that but then again if you don't make a decision and put a storage box in the loft then one day in the future you will be deluttering again!!! Thats what got you to the point of needing to declutter in the first place isn't it?

If you are ruthless enough you could ONLY put in that storage box what you DEFINATELY will keep forever then you can put a label on the box listing everything that is in it (sellotape over the label to preserve) and then you will never have to declutter it, just look at it if needed for memories or another reason.

Easier said than done I know but just seeing if I can spare you on with your 'simpler' clutter free life.

KM x

Karmacat

Oh, Hypno, thats a tough one. You have such beautiful words for me and for others in our time of need, I don't feel I can do justice either to what I want to say, or to your dad and what you're going through finding things such as that, as well as the lovely things like photos.

You can see from the last few pages, there's a lot of love flowing towards you from all over mse, and I think that speaks for itself. Everyone on here is so happy that you're finally feeling on top of things, and particularly to see a firm thats treated you so badly get the two fingers is great.

Having said that, the decluttering..... when I first started to declutter, I couldn't do it all at one time. I chucked the easy stuff first - when I was going through photos, for instance, it was the crappy ones that were badly out of focus, or triplicates, or recent ones where even tho they were recent I didn't know who they were. That sort of thing. As time has gone on, I've gone through the kind of "intermediate" stuff - where, I know I want some things but maybe not others. I've had the physical space in the house where I'm able to do that, and maybe you feel you don't, but I don't think you have to pressure yourself to do it all in one go, I really don't.

You've done the easy stuff in that box today - the screwfix catalogue etc, genuine rubbish and so on. There's obviously stuff you want to keep, like the photos. Maybe the in between things like the divorce papers go in a separate box - I can hear KM saying, but thats still another box! - and it is! And there's a big line of thought about not keeping things that commemorate pain, I remember Dawna Walter saying that on Life Laundry to someone. But only you know whats right for you - none of us do. Just that on here, your decision is going to be welcomed, even by people who thought something different, because its *your* decision.

Um, sorry for the book-length post.