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

hypno06

Karmacat wrote: »

:hello: Hypno .... when you pay off that loan thats charging you 24.9% interest _pale__pale__pale_ will you be able to just pay off the capital? Or will you have to pay 24.9% on what's outstanding _pale__pale__pale_ ?

Whatever is outstanding plus one month's interest as early repayment penalty, so not too bad really.

Karmacat

Thanks for that. Not too bad. Just absolutely disgusting that they've charged you like that in the first place!

shaun40400

hypno06 wrote: »

I was thinking about the "spending money on the kids" stuff.......perhaps if I had put Dad's money to one side, to spend on the children, and had used all the extra money we earn to pay the debt, the end result would be the same, but peoples perception of what I am doing might be different

So, basically, I have decided, that Dad left me money with which to ensure my children had opportunities that he would have loved to have given them. I have simply "borrowed" that money, and have been repaying it as and when it is needed.

exactly as you say in later post ,,,,whats the difference

Mudbath wrote: »

Great thread as usual Hypno would we expect less and to make it fair how's about we all get £1000 for, say, a day and you get 20p for a year!!!! Give us a fighting chance!!! xx

.now thats a bit cheeky mudbath!!
£10 a day for us and 20p for hypno would be fairer:o

The_Dragon wrote: »

I will join in the £20 challenge if I may but I will be starting a week on Monday as that is when I am back from Wales!
according to hypno the fact we are on holiday dont count...shes not letting me off !!! or is it just me!!:rolleyes::p

Yah boo sucks indeed to those you think you are being bad allowing your kids to ski, go abroad etc - I wonder how many of them are living on the credit cards and overdraft all the time!

well said dragon :j:j
Nargleblast...I think that echo's many peoples feelings on here. motion 2nd ed ed ed

Double Trouble Glad you have included the baby in your packing list :rotfl::rotfl:

OK SMARTY PANTS,,,,I WAS TALKING BAGS,,,BABIES BAG!!!
YOU'LL PAY FOR THAT ON MONDAY!!!

ok up date
car is clean inside
anyone want to pop over to Dublin tomorrow for a spot of baby sitting....i'll throw in coffee ,hobnobs,and jaffas:rolleyes:

The_Dragon

Holidays are about the only chance I get to treat Dr Dragon - surely you would not deny me that young Sheepy?

Happy hobnob hunting BTW :rotfl:

shaun40400

The_Dragon wrote: »

Holidays are about the only chance I get to treat Dr Dragon - surely you would not deny me that young Sheepy?

Happy hobnob hunting BTW :rotfl:

I MENTIONED ABOUT 1000 PAGES AGO:rotfl::rotfl: THAT ID HAVE TO HAVE AROUND €30 EURO TO BE EVEN WITH THE UK
hypnos answer was something like
you can have £20 like everyone else, as you in the uk from monday,,,,,,,,
she know im on holiday sooooooooooooooo
my way round it is this i will keep £20 for my self,,,any treats i want that dont include the family,comes out of the twenty,,
that way fish and chips,mcdonolds etcetera come out of the food money,
its hard to sort out isent it

Double_Trouble

shaun40400 wrote: »

OK SMARTY PANTS,,,,I WAS TALKING BAGS,,,BABIES BAG!!!
YOU'LL PAY FOR THAT ON MONDAY!!!

:eek: Anyone want to do a quick house exchange over the weekend any area considered except Dublin - please I am really scared now:D

DTxx

scrooge2008

Well i'm getting myself prepared for the challenge ... I was at the bank today and I chose a crisp, new, Scottish £20.00 note adorned with an arty picture of the Forth Road Bridge in a stylish shade of mauve.

It's far too nice to spend, would make an excellent wall hanging. Think i'm trying to form a relationship with it ........ ???

shaun40400

Double_Trouble wrote: »

:eek: Anyone want to do a quick house exchange over the weekend any area considered except Dublin - please I am really scared now:D

DTxx

dont worryDT ,,,choking on a butty ....wont make mon......

Double_Trouble

shaun40400 wrote: »

dont worryDT ,,,choking on a butty ....wont make mon......

Oh my God is that murder or manslaughter?:o

DTxx

The_Dragon

scrooge2008 wrote: »

Well i'm getting myself prepared for the challenge ... I was at the bank today and I chose a crisp, new, Scottish £20.00 note adorned with an arty picture of the Forth Road Bridge in a stylish shade of mauve.

It's far too nice to spend, would make an excellent wall hanging. Think i'm trying to form a relationship with it ........ ???

*snerk* I like this idea - take the £20 home and frame it so you CAN'T spend it