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

benbenandme

I'm sure its written here somewhere but I can't find it, how much is the Barclays loan Hyp?

Chocforever

I have been lurking for a little and I'm catching up with your story (better than the TV soaps, you know!) Anyway, at risk of sounding like a crazy person, this is my strategy with a savings account which is instant access but needs to be out of temptation's reach.

I have an instant access branch savings account with a building society paying a reasonable rate of interest. I pay into it once a month with a direct debit. I can vary this amount using on line banking and the transfer date is just before I get paid. The nearest building society branch to me is 30 miles away in a town I wouldn't normally have reason to visit and is a pain to get to from home or work. So I really do only access the money if it is an emergency because it is such a hassle to go there. A bit strange, but works for me!

And thanks for taking the time to write the diaries. They are helping a lot of people.

CF

hypno06

DT - the words "customer satisfaction" are a bit of an oxymoron as far as Egg are concerned, and no, suprisingingly, I've not had that survey to do :rolleyes:

benben, with my "new" way of working, the amount now needed to clear barclayloan is £9069.23.

chocforever - all crazy people welcome! I need an account that I can do lots of little instant deposit amounts as and when I get all my odds and ends of mystery shopping, scratchcard etc money. I find that if I pay it straight off the debt, it keeps me more motivated to do the next 10p moneymaking effort!

Money_Fritter

Morning everybody.

Hi Hypno, thanks for your advice on dooyoo the other day. I have read about 20 reviews, mainly guides reviews. They are so good though. I think mine will be rubbish. I suppose I should just take the plunge and give it a try.

urg123

Hi Hypno

I think you doing exactly the right thing with the Barclays offset. By putting the overpayments in a dedicated pot you are mentally paying it off and it would be much harder for you to touch the pot.

Re: ING - I think they are doing a special offer where any money you put in a specific account (websaver) you get a higher rate for 6 months. I think it is specific for existing customers.

I've just posted a massive list of things to do on the daily DFW thread - better get on with it!

urg x x

hypno06

Right, it is 10.30 and I need to start thinking about doing something!

DD has an interview for a saturday job at 12......I really really hope she gets it - she has sent off loads of applications, but because she is only 15 and there is a lot of competition for part time work at the moment, she has found it very tough.

DS and I have free tickets (courtesy of my colleagues who can't use their season tickets today) for the football, so we will be having a free afternoon out. Lets hope Norwich can get their act together.......I have been a life long supporter, but boy can it be frustrating!!

I need to do a minimum cost but maximum stuff grocery shop - so have made a list and will try and do that on the way home from the football.

The student has gone to London for the day - left at 7am and will be back at 8pm, so he is sorted for now.

I have been sitting in the newly clean and tidy conservatory - I should be out doing something in the garden, but I need more weedkiller and industrial strength bin bags!!

shaun40400

hi
re weeds

i sprayed the weeds yesterday with 90% bleach 10%water

anything you can call a weed is curling up including bind weed!!!
grass so far hasn't showed any results,,,will see what happens in a few days,,,

do not spray anywhere you want to plant in the near future,,,however you can spray individual weeds say in the lawn carefully
if you accidentally spray a plant you like wash off straight away with loads of water
shaun x x

hypno06

Ooh, I have bleach, I have water, and I have an empty trigger gun......

I also have areas that I don't intend planting........

:T:T:T:T

hypno06

Right, I have bleached the first area of weeds.........I will let you know how they react! If nothing else, I may have slightly paler green weeds than I have at the moment!!

turfy6

Think troublemaker comes up on my barclaycard record too:rotfl: I think putting it in a pot and doing the snowballer makes perfect sense. As you say who wants to put the debt figure up. I certainly wouldn't.
Good luck at the footie hope you get a win, say hi to Delia if she's about.:j