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Hypno's approach to life, the universe and debtbusting.....

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  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    If you are on a 3 year course - May 2011, if it is a 4 year course, then 2012 it is!
    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)
  • savingholmes
    savingholmes Posts: 28,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like the petitions idea Shelley but I think Hypno is right - if I tried that EDF would soon have the bulldozers out!
    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
  • skint_spice
    skint_spice Posts: 13,438 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    why have I started drinking coffee again? it must be reading your thread - could you please spend more time discussing eating fruit and exercising:D?
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hypno - I think paying off £30K on a £50k pre tax salary between you is amazing - shows how much all those extra things you do really add up! I think you were born to be an entrepreneur in another life or something because that is amazing....

    You are a fantastic example of what can be done.... not quite ready to be as committed to being a DFW as you are tho...!
    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
  • savingmore
    savingmore Posts: 661 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    elantan wrote: »
    http://forums.moneysavingexpert.com/showthread.html?t=741653&highlight=debitas this has still got to be the funniest i have ever read on here


    altogether now

    " In the jungle the mighty jungle the lion sleeps tonight ...wimaway a wimaway"

    OMG...not much takes me away from hypno's thread, but just spent the last 2 hours reading this thread ...........IT IS HILARIOUS.. had to start it again so OH could read along with me as i was laughing so much i was hindering his enjoyment of Jam & Jerusalem..... sorry for thread hijack.....
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    why have I started drinking coffee again? it must be reading your thread - could you please spend more time discussing eating fruit and exercising:D?

    i concur it is totally hypno et al's fault that i am fat everytime they mention the c word i go snaffle some :rotfl::rotfl:

    hypno wee question for you ...your squares what amount do you have them for i was thinking £50 a square or should i go for less or more ...???
  • llamahead
    llamahead Posts: 324 Forumite
    Part of the Furniture Combo Breaker
    Wot no aussie property !!!!!!?


    I will send Property !!!!!! as soon as I can work out how to do it! No beautiful old Georgian properties here unfortunately! I am in love with Holly Cottage and so is OH - wish we could get that, but, no matter which way we look at it - the commute is going to be too much :rotfl:

    Can't decide whether to buy land and build or buy something ready to move into, more research needed!

    Have a good day all.
    Mortgage = $277,000/$440,000 Started 29/06/10
    Sealed Pot 2012 = $910
    Sealed Pot 2013 = $790.80
    Sealed Pot 2014 = 543.50
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    elantan wrote: »
    hypno wee question for you ...your squares what amount do you have them for i was thinking £50 a square or should i go for less or more ...???

    Mine are £50 a square.....

    llamahead, I look forward to the property !!!!!! :T

    Monday morning, and back to work - I don't feel as though I have had a holiday, and certainly don't feel any less tired and wound up, although I am sleeping a little better (still ended up reading at 2am though!).....so I will just have to be aware of how I feel and try not to let it escalate too much.

    Off to do scratchcards and banking.....have a good day everyone!
    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)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    hypno06 wrote: »
    Mine are £50 a square.....

    llamahead, I look forward to the property !!!!!! :T

    Me too!
    Monday morning, and back to work - I don't feel as though I have had a holiday, and certainly don't feel any less tired and wound up, although I am sleeping a little better (still ended up reading at 2am though!).....so I will just have to be aware of how I feel and try not to let it escalate too much.

    Off to do scratchcards and banking.....have a good day everyone!

    Nooooo! Ho-li-day.
    Well, I'm glad you're sleeping a *little* bit better. Reading at 2am is not good tho :(
    2023: the year I get to buy a car
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Sorry to hear that you don't feel like you had a holiday.....mmm I wonder why?....because you never relax you are constantly on the go and your brain never gets a rest...lol..
    Hope you have a good day at work.
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