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

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  • wendz86
    wendz86 Posts: 7,171 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi

    Was great to read the whole story , don't think I have read it before.

    Seems you have got a great attitude towards the wole student thing.

    Judging by your previous record, you will doa great job and be debt free in no time.
  • scrooge2008
    scrooge2008 Posts: 1,381 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hadn't realised your history hypno, so it was really interesting to hear how far you'd come on the debt free journey.

    I recognised many of the stages - the conversion to microfibre cloths and stardrops one sticks in my mind :cool:.

    Thing is you've not just got a main job and the important second income, but all those other unpaid jobs; mother, coach, wife, chauffeur, cleaner, gardener, cook etc, etc. It's keeping all the plates spinning that can be exhausting, but neglect any of these areas for long and there is trouble :o.

    Hope I can learn from this thread how you manage to convert the discipline and time management skills you obviously possess in your main job to the realms of family life and second income. I'm trying to do something similar and really struggling :confused:.
    I learned that courage was not the absence of fear, but the triumph over it. The brave man is not he who does not feel afraid, but he who conquers that fear.
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    gallygirl wrote: »
    Don't encourage her - it's nothing to do with being sensible and everything to do with wanting lots of different charts with squares to fill in - one isn't enough any more :rotfl:

    Darn it.....sussed again :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)
  • Good luck with this next phase Hypno. Will be sat with pen and paper and of course if you have tips on hubby's/budget/bank accounts will be forever grateful:rotfl::rotfl:

    I too have a couple of rotten windows and decorating sorely needs doing upstairs as well.:o

    I also confess to an ironing pile..if only they had a cream for it:eek::rotfl:
    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:
  • jackie_w
    jackie_w Posts: 1,077 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Im just reading through Chapter 1. I have read through one of your diaries before (dont know which one it was). Hypno so far im on page 235. You truely are an inspiration and Im sure there are many many people on here who are also an inspiration (dont want to get into trouble for favouring anyone, but I havent read anyone elses diary yet).

    You must be so proud of yourself, you have come a long way, keep at it.

    Jackie xx
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Talking of which, I need to do half an hour in my "other job" and iron the students' clothes :rolleyes:

    Crikey do you have to iron for them??

    I used to wash for them but if they wanted their clothes ironed they did it themselves.

    mind you my students were all 16 plus.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • Hi Hypno
    Amazed by your story thus far, and would just say how great it is you know what you want for your children etc. (From one of your 1st posts in this diary!) When ever Ive wanted to define what it is I want to achieve in life, it has alway been good to know what I dont want to happen, and that helps to decipher what I do want to happen. Hope that makes sense. Look forward to following yr progress!
    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
  • duchy
    duchy Posts: 19,511 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Xmas Saver!
    I'm a little late to the party but happy new diary Hypno
    I Would Rather Climb A Mountain Than Crawl Into A Hole

    MSE Florida wedding .....no problem
  • wantabetterlife
    wantabetterlife Posts: 1,296 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hypno, just one thing to say.... I think your brilliant!!!!
    Credit card £4461.15Home mortgage £137117Buy to let mortgage £83,000
  • llamahead
    llamahead Posts: 324 Forumite
    Part of the Furniture Combo Breaker
    edited 8 July 2009 at 2:25AM
    Hooray for new diary Hypno!

    I have often thought that you could convert these diaries into a book, you write really well. Perhaps you could do that in your spare time? :rotfl:

    I just wanted to say good luck on the next phase of your journey and to say, don't listen to anything negative people have to say about your lifestyle choices, they probably don't know the whole story and it is nothing to do with them anyway.

    This is your life, your family and your budget, you have to live it, not them.

    Good on you!
    Mortgage = $277,000/$440,000 Started 29/06/10
    Sealed Pot 2012 = $910
    Sealed Pot 2013 = $790.80
    Sealed Pot 2014 = 543.50
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