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

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  • Hopeful1
    Hopeful1 Posts: 2,076 Forumite
    shaun40400 wrote: »
    morning hypno
    morning all

    its friday:j:j
    13 pay days left to Christmas:eek::eek:

    Oh geez, your Christmas reminders really scare me! Particularly as i'm due to have a baby at the beginning of December :eek:
    One step at a time ;)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Morning!

    :eek: Thats fairly daunting, hopeful! Especially knowing what people try to do for Christmas these days - but, you know, nobody will notice a single thing except that there's a new baby - just enjoy!

    Hypno ... a 4am start tomorrow????? :eek:
    2023: the year I get to buy a car
  • OliveOyl_2
    OliveOyl_2 Posts: 3,506 Forumite
    Congrats on the baby Hopeful1, Christmas is a lovely time for a new baby.

    And as KC says, who's going to notice what you haven't done, when what you will have done is so marvellous!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    hypno06 wrote: »
    Morning guys - TFI Friday. I am tired this morning, so need to shake that off quickly because I know we have a busy day ahead of us. Plus, I have another 4am start tomorrow to take the kids skiing, so I need to get myself sorted today, otherwise I will have no chance tomorrow!

    4am :eek: - I thought that only existed when you had to get up early to catch a holiday flight- didn't know it existed in the real world as well :confused:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    gallygirl wrote: »
    4am :eek: - I thought that only existed when you had to get up early to catch a holiday flight- didn't know it existed in the real world as well :confused:


    Oh yes, that 4am moment when you are on a night shift and have just come back from your break, feeling like death warmed up and looking like it.....I got those 4 oclock in the morning blues (sing up everybody, can't hear you!)

    Great North run this weekend Hypno - are you running it?
    One life - your life - live it!
  • Verbatim wrote: »
    Ouch that's challenging but I'm sure you have it well under control. :cool:

    I had a routine mammogram today so very ouch here and I'm afraid a detour was made to buy some reduced choc eclairs from Mr T. Had 2:eek: But I did walk there, back and the detour to buy same, a good 2 miles plus, so obviously i needed the extra calories to keep me going! :D

    Its a well know Ginaism that mammograms allow you cheap treats until you get the results as its a stressy time. Fingers and things crossed that the results are all clear.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi verbatim - hope the results are good for you.

    Hypno - I can't believe every time I look at this thread more debt has gone off the figure!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • pania
    pania Posts: 8,258 Forumite
    bluddy hell you chatty people i've been gone a week and you've got through 22 pages! blinkin eck n blimey!! well, am back, a small reduction off the debt acheived and ready to kick asse!!!! hope you've had a good day. xxx
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    **collapses**

    Just got in - thankfully, a veggie curry has been cooking in the slow cooker all day, so a minimum of effort required for dinner.

    P - I am at Bromley tomorrow - will you be there?
    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)
  • pania
    pania Posts: 8,258 Forumite
    hopefully! car keeps on doing its dying beetle impression, laying on its back thrashing out its death throes with it legs in the air then righting itself and flying again so will need to see what mood it is in tomorrow!! :D at the moment am doing the shortest of short journeys to keep the poor girl plodding on!!
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
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