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

Double_Trouble

Karmacat wrote: »

oops.... busted.... about 8 years ago, I realised that I too was subject to the ageing process, and I needed to retire one day. And I had lots of savings and lots of cash sitting there that I didn't know what to do with. What I decided to do was buy a safe, trouble free little investment property I could easily afford [insert hollow laugh here] and then go into the stock market and up the value of my investments.

I simply didn't cost the French property properly, and I thought even a studio flat locally to me was out of my reach - it wasn't at all, but thats what I thought. And I looked at the hassle of renting a property out, and decided it wasn't for me.

Classic tale - I didn't understand what I was getting into. And I never went to see it because I didn't care about it - it was an investment property run by a management agency, that I thought would finance itself once I'd put down the deposit I did. And when I was buying it, it was a hole in the ground, it was off plan.

Diaries ... well, I finished my original diary for the reasons that are there at the end ... the short term challenge, I was struggling so hard with the bathroom, and what probably finished it is getting the virus before I got the swine flu.

Maybe I need to start another proper diary .... its quite humbling that you'd go back and read the old one .... that happens to Hypno, but not me! So, thank you - and us mature ladies will definitely continue to support one another, wherever we are.

Thanks karma for that as I am now on page 51 I had worked the above out you are still keeping me guessing though with regard to spread betting!! A new diary would be an excellent idea hint hint :rotfl:

DTxx

Double_Trouble

Morning Hypno

A Barclay loan pot and reducing the barclay loan balance seems a good motivational exercise to me you will be able to celebrate the milestones as you have been able to do with the other debts.

I am sure you will have the necessary strength not to touch it except in a dire emergency and if you do you will have a lot of people to confess to and take the necessary flak from

DTxx

hypno06

Thanks DT.....

just done a lightspeed survey, there were 5 in my inbox, but I only qualified for one - still, one is better than nothing, especially as it was about coffee and chocolate :rotfl:

gallygirl

shaun40400 wrote: »

morning hypno....you always make perfect sense
basically you are making virtual payments to see the figures on screen,,
whilst saving the real money for the big pay off day,,

Why didn't Hypno put it like that :rotfl:

H - I know you'll probably hyperventilate at the very thought of this, but the Egg savings account is 3.25% and has easy online access. And if you log into it as part of Egg Money Manager & request money in from another account it is credited immediately (at least it was with offset, except Sunday I think), I have never had money go astray in this way. As Karma says "gwan. gwan-gwan-gwan." :rotfl:

hypno06

gallygirl wrote: »

Why didn't Hypno put it like that :rotfl:

H - I know you'll probably hyperventilate at the very thought of this, but the Egg savings account is 3.25% and has easy online access. And if you log into it as part of Egg Money Manager & request money in from another account it is credited immediately (except Sunday I think), I have never had money go astray in this way. As Karma says "gwan. gwan-gwan-gwan." :rotfl:

Ah yes, but you don't have the "special" relationship that I have with Egg :rotfl:


I do actually have an egg account that I was using as a debt pot when I had my egg loan, as the interest rate at that time was greater on the savings account than my loan was charging me.......so I could close that one down as it only has £2 in it and open up a new one with a higher rate of interest.

gallygirl

Just edited to say I think it is only the offset where it appears immediately, but the principle remains the same - Egg will find it harder to lose money if they have requested it in the 1st place . Anyway, you're probably blacklisted :cool:

hypno06

gallygirl wrote: »

Just edited to say I think it is only the offset where it appears immediately, but the principle remains the same - Egg will find it harder to lose money if they have requested it in the 1st place . Anyway, you're probably blacklisted :cool:

It seems so - there is no new offer available to me for a super dooper interest rate......the account I have is 1.24% or something, but even if I open a new account with new money, there is nothing higher I can get :rolleyes:

Didn't want one anyway.........:rotfl:

gallygirl

Can you not just follow the link from their home page

hypno06

gallygirl wrote: »

Can you not just follow the link from their home page

So why wouldn't it let me do it when I was already logged in.....presumably because the word "troublemaker" had already flagged itself up on its system :rotfl:

Anyway, thanks for the tip, gallygirl - I logged out and went in from the home page and now have a new shiny "get rid of the bloody barclayloan once and for all" account

Double_Trouble

hypno06 wrote: »

So why wouldn't it let me do it when I was already logged in.....presumably because the word "troublemaker" had already flagged itself up on its system :rotfl:

Anyway, thanks for the tip, gallygirl - I logged out and went in from the home page and now have a new shiny "get rid of the bloody barclayloan once and for all" account

I had a customer satisfaction survey from egg yesterday I kept thinking of you all the way through bet they didnt send you one

DTxx