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

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  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Woohoo my gym is only £25 a month does that mean I can spend £95 on chocolate :EasterBun

    :eek: :rotfl:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    ShelleyC wrote: »
    Woohoo my gym is only £25 a month does that mean I can spend £95 on chocolate :EasterBun

    :eek: :rotfl:

    urm......nope :rolleyes:
    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)
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    You can be such a meanie :p

    How about if I offer to share??...............

    Imagine how much chocolate you could buy for 95 smackeroonies :rotfl:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    ShelleyC wrote: »

    How about if I offer to share??...............

    Maybe :rotfl:

    But you are supposed to be on a dream house mission - £95 quids worth of chocolate is an extra brick or two ;)
    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)
  • milann
    milann Posts: 11,386 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sat in hospital for 3 hours - only 1 doc on - poor nurses got such a lot of stick from some patients - I felt quite sorry for them - not their fault they're just doing their job. Anyway as I expected they had no answers for me - tests all clear which is GOOD - but that doesn't explain why I'm still having agro - ahh well - I'll keep at it and record EVERYTHING so that when I go back in 2 months I have something concrete to show.

    chocolate/brick brick/chocolate - no wonder I never get any further on - CHOCCY every time I afraid - good job I'm settle in this house then!!
    January spends - £587.58
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    I could build a house out of chocolate and sweets. I solemnly promise not to entrap and cook small children :D
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • ZTD
    ZTD Posts: 24,327 Forumite
    ShelleyC wrote: »
    I could build a house out of chocolate and sweets. I solemnly promise not to entrap and cook small children :D

    If you did it in a burberry pattern to attract the "right sort", we might let you off...

    chav.jpg

    Think of it as bleaching the gene pool... ;)
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
  • yukkibear
    yukkibear Posts: 5,556 Forumite
    Part of the Furniture Combo Breaker
    hypno06 wrote: »
    That's what I was doing - I had several accounts open at barclays that I put money into each month, but then they were easily transferred when we were close to payday and needed to "borrow" the money. And of course they never had the "borrowed" money repaid at the same rate, so when the insurance became due, we were back at square one. Also, each account number was just a number - nothing to distinguish it, and most importantly nothing to focus me!

    So, I set up loads of accounts at Halifax, where they all have names as well as numbers, so I can have an account called "car maintenance" rather than just 74699374 (or whatever), along with "next year's holiday", "skiing", "dentist/glasses", "get rid of the debt", "home improvements" etc etc and have set up standing orders to each one for appropriate amounts.

    That way, I have to think that I am reducing the holiday fund, or reducing the house fund rather than just moving money around, so I am more likely to be motivated to find another way round the problem!

    That's the idea, anyway - I am still in month one, so very early days yet :rotfl:


    I've set mine up last month but not a lot of money in them at the mo, but at least it's a start to have them. I need one for glasses / dentist though that's a good idea.
    Mine currently are "clothes/presents", "car" "holiday"
  • Evening all :D

    Just wanted to drop in and say hello. Good to read positive thoughts on all things MSE. I didn't realise Halifax allowed you to set up different pots of money. I opened an ING account a few years ago as they were the only ones I knew that did this - it's been brilliant for me and I highly recommend it. I keep this account to pay my tax bill, but also to pay a monthly standing order for each of my nieces and nephews. Since the pots are named I cannot possibly borrow the money since the money is no longer mine, it belongs to the tax man, tom, richard and harriet. It really works for me... I truly cannot borrow this cash.
  • Hi Everyone

    What a fab idea Hypno ! I have a Barclays account aswell but will look into halifax accounts. I guess I could apply online! Another thing on my list when kids go back to school.

    Can't have a choc account cos on a diet and its my downfall, so maybe a "new clothes when gone down a size" account !

    Thanks for all the inspiration.:T
    The past is over & done & cannot be changed. This is the only moment we can experience - Louise Hay
    "You, yourself, as much as anybody in the entire universe, deserve your love and affection."
    -- Buddha
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