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

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    really pleased you managed to ditch the 24.9% rate - should make such a difference!
    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%
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  • Sorry you're unwell and under pressure with family. Delighted you're taking the time away from casino/bingo stuff it's been relentless by the sounds of it :confused:

    I've no idea where I've read this, but when tired you can easily put on weight. When you're feeling fit and well the weight falls off. I remember now, I read this on MSN. If this has been going on for a while is it worth a visit to the GP for a check-up even if just to confirm you've got a thyroid not working at optimal level? I'm no medic, I just remember being in a similar situation and it was my thyroid that slowed down (I didn't need meds) and once I took care of myself I was OK.

    Have a lovely evening and then get a good nights sleep. Get someone else to buy the chocolate you NEED. Finally, can anyone step in and help with getting the ski stuff done tomorrow?
  • Have a nice evening Hypno. Seems like you have just burned out a wee bit. Hope it all manages to resolve itself.x
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • ZTD
    ZTD Posts: 24,327 Forumite
    hypno06 wrote: »
    I've had it today - I have a head cold and it will not budge :mad: It's gone on for ages and I have tried to ignore it and get on with stuff, but it hasn't worked. Everyone needs a piece of me and there is no time to recover. It is another early start for skiing tomorrow, and then straight back into work again on Monday. There is "family stuff" going on that I became aware of this morning that I am very angry and upset about, but yet unable to do much to help, so feel hopeless about the whole situation (not at home, but affects my Nana, who is my dad's mum, so I feel I need to step into his shoes, so to speak, and can't do so in the way I want to).....all very draining.

    My head hurts, my eyes are streaming, and I'm getting a bit fed up of having this "front" that I am so strong and able to do everything, because right now I feel as though I can't do a thing.

    :grouphug::grouphug::grouphug::grouphug::grouphug:
    hypno06 wrote: »
    Rant over.....sorry.

    Don't apologise - it's what we're here for. Just remember to take care of yourself. You wouldn't drive your car around everywhere at 6000 revs/min, so why do you think you could be driven around in a similar manner without anything beginning to deteriorate?
    hypno06 wrote: »
    In other news, the paperwork arrived for the new loan today - so much for express courier for £70, first class post got it here just as quickly - so we will sign that and send it back tomorrow.

    Hope you are all having a good weekend.

    That £70 was outrageous. I would want it personally delivered between the thighs of Vestal Virgins for that...
    "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."
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  • beanielou
    beanielou Posts: 95,580 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you manage to have a nice night.
    MY DS is 16 today!!
    Take care xxx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
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    One debt remaining. Home improvement loan.
  • Ahh, Hypno, sorry you're not feeling well, hope you got through today and manage to enjoy yourself tonight. My DS1 is 15 in December!! How did that happen! He grunts alot too lol! cgx
    CC Debt: Jan 10 £21,660 now £8,170 hurrah!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    hypno06 wrote: »
    I've had it today - I have a head cold and it will not budge :mad: It's gone on for ages and I have tried to ignore it and get on with stuff, but it hasn't worked. Everyone needs a piece of me and there is no time to recover. It is another early start for skiing tomorrow, and then straight back into work again on Monday. There is "family stuff" going on that I became aware of this morning that I am very angry and upset about, but yet unable to do much to help, so feel hopeless about the whole situation (not at home, but affects my Nana, who is my dad's mum, so I feel I need to step into his shoes, so to speak, and can't do so in the way I want to).....all very draining.

    My head hurts, my eyes are streaming, and I'm getting a bit fed up of having this "front" that I am so strong and able to do everything, because right now I feel as though I can't do a thing.

    Rant over.....sorry.

    In other news, the paperwork arrived for the new loan today - so much for express courier for £70, first class post got it here just as quickly - so we will sign that and send it back tomorrow.

    Hope you are all having a good weekend.


    Sorry to hear that you are unwell again.PLease give yourself a break.I hope you enjoy DSs birthday tonight.There's no point burning yourself out.
    And as for the front you have to put on..why not delegate stuff around others to help you out x
  • Hypno

    You work really really hard. This is why you so tired. A day or so off debtbusting, on top of normal life, won't hurt. Switch off, stop posting for a bit. People will still be there when you get back.

    Mrs R

    PS: think you amazing. such hard work. also have 14 YO DS.
    #Tesco 0% NIL Jan 2010
    # RBS 3.9% NIL Oct 2010
    # Virgin 0% £2670.92 Oct 2010
    # RBS O/D NIL - repaid with redundancy pay Jan 2010
  • ZTD I think the analogy with the car is perfect. Hypno - I hope you turn the laptop off every night over the next week. We KNOW you'll be fine because we'll all be thinking of you whilst you're resting. This thread isn't going to disappear in your absence and in the space of one week you're not going to amass an horrendous debt, so take the time off.

    Of course, you'll be missed, but I think I'll be right in saying the priority now is YOU. So log off!
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Hey Hypno. Hope you feel better after an early night. On the up side, at least you don't have to cook. :rolleyes: Make sure you pick up a big bar of chocolate on the way home. x

    When you are feeling up to it (or someone else, if you know, feel free to chip in here), I've just been looking at Quidco. Is it worth it? And where do you do the free online scratch cards and bingo etc.?

    Sorry to ask now, but I'll forget if I don't. *Shakes head at own idiocy*

    Thanks! And enjoy the rest of your weekend. xoxox
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

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