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

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  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    hypno06 wrote: »
    I am at that stupid stage, where it takes too much energy to get up, sort the cats out, lock the back door, and climb the stairs..........whereas sitting on the sofa requires no additional effort at all!

    Know that feeling well~ & I have no stairs to climb:rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • GettingThingsDone
    GettingThingsDone Posts: 1,341 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Good night hypno - catch you over the weekend!

    gtd
    Official DFW Nerd Club - Member no. 208 - Proud To Have Dealt With My Debts DEBT FREE DECEMBER 2008!!!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    hypno06 wrote: »
    Just had a fish finger sandwich (yum) and having a cup of coffee before I enter a mystery shop and call it a night.

    Hope it was on white bread with tomato sauce :D.

    Have a relaxing weekend please - we're all worn out :o
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hypno - I think you are doing amazing however you still need REST as well as the chocolate. Even if you can't do it straightaway... ring fence some time just for you to RELAX
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    [URL="javascript:emoticon(':eek:')"]eek.gif[/URL][URL="javascript:emoticon(':coffee:')"]coffee.gif[/URL][URL="javascript:emoticon(':drunk:')"]drunk.gif[/URL][URL="javascript:emoticon(':wave:')"]bye.gif[/URL]
    Found some new smilies on another site! REST! Enjoy! Tomorrow is another day!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Ooh, loving that coffee drinking smiley, savingholmes - please can you pm me the details of the site so I can go and have a look?

    Plan for today:
    • [strike]drink coffee[/strike] Done and ongoing!
    • [strike]make list[/strike]Done - always a good start to the day!
    • [STRIKE]eat chocolate[/STRIKE] Was difficult to force myself, but I did it for the sake of my list.......
    • [strike]take DD skiing[/strike] Done
    • [strike]See client[/strike] Done
    • take a load to the charity shop
    • finish loading CDs onto i-tunes and pack up CDs for storing
    • Be ruthless with wardrobe. Anything more than 1 dress size different than I am in now can go to the charity shop. Anything 1 dress size different can go in storage until Easter to see if I can lose that little bit of weight. Anything not worn in 2008 can go.
    • [strike]Eat - preferably a storecupboard meal[/strike] Done - tuna and vegetable pasta.......was yummy!
    • [strike]do online banking[/strike] Done - no mystery money appearing, sadly!
    • [strike]clicks and surveys[/strike] Done
    • [strike]check for mystery shopping[/strike] Done, nothing available so far today
    • eat more chocolate (for penguin83)
    I picked up two easy mystery shops yesterday for later in the month. It seems daft to turn away £5 for a 5 minute telephone call, really!

    Moneywise, I am waiting until next week before I can make any real overpayments/budget assessments - OH gets second job pay on 20th, I get paid on 23rd, mystery shopping - well that seems to come whenever it feels like it, but I have £200 there waiting for me, adult ed will probably not come through until at lest the end of November........so a bit hit and miss, but it will all get through eventually!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • benbenandme
    benbenandme Posts: 12,349 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Morning Hypno, still sounds like quite a busy day today?? Make sure you have chill time in there too ;):D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    benbenandme wrote: »
    Morning Hypno, still sounds like quite a busy day today?? Make sure you have chill time in there too ;):D

    hi benben - that's what the coffee and chocolate bit is all about :D
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    I need a little sleep after reading your list Hypno! I would put an extra eat chocolate in there! x x
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    penguin83 wrote: »
    I would put an extra eat chocolate in there! x x

    Ok, but only to keep you happy ;)
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
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