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

hypno06

online banking has been checked and OH has been paid so I can crunch numbers again later on.

Scratchcards have also been nice to me again, with one paying me £5 :T

shaun40400

morning all
men :rolleyes: will they never learn!!!
you will notice i stayed out of your non pc argument yesterday :rotfl:

buy i have to back you ladies this time
cash with a credit card:eek::eek::eek::eek::eek:
if it was for petrol or bits from the shop why not put the goods on the card its self????
why incur the extra charge!!

new antibiotics seem to be working will know better when i finish then on sat,
not good timing with the dust that will be created with moving,,but 3rd time lucky,
packing has to start today
free van has been confirmed
deposit back sound like its going to be a fight ,,just bad feeling from tel conversation yesterday
ed coming over in afternoon to baby sit while we pack
big hugs to all who are still sick
have a good day
and feel the love :smileyhea

hypno06

feeling the love, shaun :T Another busy day for you it seems - good luck with that! Glad the antibiotics are starting to work.

Surfbabe

Morning all - worked a lovely wedding last night - a para home from Afganistan who decided to marry his gf at 3 weeks notice. They were lovely.Venue has had lots of enquiries from returning servicemen - they took such big losses in their regiment.Anyway - am working all day at school followed by teaching so won;t get anything else done - (not much different to always then !!!)Hope you have a good one

hypno06

Surfbabe that sounds like a lovely "do". Quite emotional I would guess. I hope your day is not too "long" and that the teaching goes ok. How is the voice now?

pandapaws

Oh, did I hear a 30k challenge in the offing? I'll joing that one. I had to give up on the 20k one (although I must have made well over £20k in repayments, but re-borrowed much of it and haven't been able to track it) because of the house move and all the huge changes around here but next year should be far more stable.

Bah to Egg.

Savvy_sewing

As I am a bankrupt, I dont really have any debts left. Although, moving from Oxford to Towcester, and the various changes in my working, sick etc I apparantly now owe the Oxford Council around £1,200. So I have to start to pay them back. They have agreed £75 a month on the Council tax and then £11.50 a week on the housing benefit overpayment. (Not that I really agree its right, but there you go). On top of not having the housing benefit sorted out at the new place, and paying out the rent on two properties for October, I am now skint. I have exactly £1 left in my purse. Although there is over £700 in the account, I need £1,200 for the rent.. So I am panicing. Must go and check quidco and see why I havent had my Sheila's Wheels payment back yet. Then see if I can get the landlord to accept payment a few days later when the council cheque for £615 back dated housing comes in? I hadnt wanted them to know I was off sick, but I think perhaps in this case, honesty may be the best option. At least I know that the money is coming in, it just needs to arrive and then be cleared. I wish the council would pay the money by Bacs or something similar. Cheques just feel ancient, and rely on the postal system, then I have to get it to the bank. Which is in Northampton. So a bus ride is £6.50 or I could take the car, but then there is petrol and parking!!. Oh I wish I could get a bank account in one of the main banks. But I suppose that is my punishment. No Credit Cards, No loans, No buying on the internet, Electron is pants!!!!
Sorry thats my rant for the day over. Got to go and have a shower now and get ready to go back home to face the mess the twins and babies will have made by now.

dmv_2

Hypno and gang - I had an email from qype saying my reviews are good enough and I will be getting an amazon voucher!!!

Im a very happy bunny now! Hope you get the same good news soon!

dmv_2

Oh to add tho it said it was from "rachel Thompson" and only showed qype when I looked a bit closer so be careful about deleting so called junk mail until all this is over!

elantan

hypno06 wrote: »

going back to something debtfreefuture said - it is indeed only 5 weeks until the end of 2008 and I need to start making plans for 2009.

I want to be realistic, but at the same time challenging. The secured loan we have is £11500 ish, and has to be included in "debt" because it was used to consolidate, whereas if it had been used for house improvements I would probably count it in with the mortgage (if that makes sense!).

But, for the purposes of a challenge, it would be good to be only left with the secured loan at the end of 2009.....That means paying off about £30k in 2009. I have done £24k ish in 2008 which include times when I was either earning less, or a whole month when I was "between jobs" so I don't think I am being too daft in setting the £30k target.

To end next year with just the one loan left would be incredible. So that is my aim!

Bring it on :T

and the gaunlett has been thrown down ..i know you will do it