Hypno's "there's more to life than debt" diary.....

Prudent

A very quick post - sadly I am one of the 5am start, stressful life people too.

I have just had time to read your first post and want to wish you a happy break from debt busting. I will read more later

OliveOyl_2

Morning Hypno et al - this is early for me
I couldn't sleep because I was anxious to complete a MS report from yesterday (computer occupied by DS2 :rolleyes: ) but am currently being distracted by MSE......

hypno06

Good morning, Prudent - nice to see you!

OO, get that MS report done or you will be stressing about it all day!! I have a visit to do at lunchtime so will be entering my results after work.

Checked online banking and 3 loans have come out, thereby reducing the debt by almost £500 today.......10 squares to fill in :j The Egg loan now stands at £13,967.39.

doodledo_2

Morning Hypno hope you are well.

So chuffed you are down to just the loans, even though they are over £40k it still a massive milestone for you. You have done so well :T

Hope you have a good day at work today and not a too stressful one although I imagine with the market as it is that stress free ones are few and far between.

tadd318

hi hypno

You truelly are an inspiration to everyone and are so upbeat about your debt repayment.

Enjoy your break!!!

rtandon27

WOW!!!

Hypno, if this is how you spend a holiday, you put us all to shame!

Good on ya -- you are amazing!:D

RT

jackie_w

Yeah Hypno,

Well done on getting that credit card paid off :j :j :j .

I think you should set aside 30 minutes tonight and have a large coffee with a big bar of chocolate or cake.

Jackie xx

beanielou

Wow, my comp goes on the blink for a day & look what happens!!
Well done you!

Walshyboy84

Phew! I'm back from another conference and I still get 7 pages of a NEW diary to read! I was wondering why I wasn't receiving any update emails about your thread and diary! :rotfl:

One slight question, of which I'm sure you haven't looked into yet but made me think...

You said this is the last one of the debts that won't incur a penalty by early payment. So when you hit the next come December this year ( ) will you re-finance them in order to do that or will you start doing some high interest saving and pay the lot off in one go?

I'm doing monthly splurges! Next week, I pay £400 off my credit card...

The week after, another £100...

then that will ensure I go into the Christmas season being able to pay less money and still cover for presents! :j

hypno06

Hi Walshyboy - hope you managed to snaffle lots of freebies from the conference!

Once the "no penalty" loans are paid off, it will be saving up for early redemption of the others, and I will be happy to pay the penalty to be shot of them! The penalties are very reasonable - a month's interest, so not too much to get stressed over.....the hardest bit is the fact that I can't make regular overpayments - I have to either pay the agreed monthly amount, or pay it all off in one go, which is what I will hopefully do!

got a last minute mystery shop for lunchtime - coffee and a salad at a well known coffee chain - whoever said there is no such thing as a free lunch obviously didn't do any mystery shopping