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Hypno's "no more boom or bust" diary

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  • Hypno does your OH feel the difference (in terms of stress) that your position now brings compared with that dread that you mentioned in your last post? I just wondered because, although my OH would be stressed, it would be me who felt the full impact as I would have been the one looking at and juggling the figures.

    Although my OH would definately feel the ease of my stress levels being taken out on him lol... I have been known to get annoyed by the sound of his breathing :p is that just me :confused::rotfl:
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hypno06 wrote: »
    Thanks SH...........its been a long old slog, though, for things to get nice. Previously the same things would just have given me a slightly lesser feeling of dread as the next payment date loomed :o
    I understand that. What gets me is I can go to work all day and slog my guts out - but that money doesn't "count" as it is all accounted for - the bit that gets me excited is the "free" or "loophole" money I find out about on here :rotfl:I just wish I found this website before.

    I also wish the people I told about the site would take it seriously and follow the same advice... but each to their own lives.... What saddens one of my relatives had martin's book - had done some things in it - I read the book - gave it back and bought my own - and did all the switching stuff etc he recommends and then gradually found my way to the forum - which is where my relationship with debt finally turned around.... She still hasn't finished the book or found her way here. She has been unemployed for the last 6 months, is single and presumably living on CC and getting more and more in debt... :confused: I'm grateful I found this place thro her but so sad she refuses to take her blinkers off and address her issues... but then that was us before too:o
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    My OH would worry about it, rather than get stressed about it......but yet would be worrying about something he knows nothing about.

    So he would worry about how things were going to be paid for, without actually looking at the bank statements to see whether we actually had any money, or what bills were due etc.

    Whereas I would be worried about it, knowing full well the extent of the shortfall, how many days till the next bill was due, how much to the nearest penny the child benefit would be and that payday was the day after the cheque I'd just written was due to be cashed, not the day before :rolleyes:

    He does know that things are not so stretched now, so he worries less about it, but he is very aware that we are not out of the woods yet, so can't let up on the efforts!
    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)
  • shaun40400
    shaun40400 Posts: 4,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    OK as long as you don't snore :D

    Actually having met Shaun now (which my OS thought was very risky :rotfl:) I would love to meet some more MSErs.

    DTxx

    lulled into a false sense of security my pretty,,ha,,,ha,,,hahahahahahaa

    :osorry too any scary stories for es this week:o
    WAS DEBT FREE & STILL BAAARRRRRKING :cool:
    hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o

    BAAAARRRRRRRRRRKING er insanely so :o
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    thanks Hypno i've now more than won back my king bingo deposit. Had a good win today which i just can't beleive. Once i can take the money it will help this month i'm only on the free games now so thanks for the details.
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Great news on the council tax being paid up now until next year....
    Everyone is doing really well on the bingo wins..lets keep it up.
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Karmacat wrote: »
    I know exactly what you mean (except the part about "when" you grow up!! :) Its crucial for me to have my own space, always has been. The thing about thinking I should want a big house - well, its what we're conditioned for, isn't it? Onwards and upwards, as I've written. But Doris Lessing puts the question really well: to what purpose? You can get into the grind of trying to fulfil all the stereotypes and not have anything left for yourself. I'm happy enough at this level, at this level I'd rather spend what money I've got on quality of life outside the home - I had another reminder today of how important that is, a newish friend I'd not seen for a while popped up in the central library while I was there - she has cancer. Lots of secondaries - and they can't even tell her where the primary site is. Life can be very short.

    I'm sorry about your friend: that's horrible. You are right about the materialism thing, though: wanting bigger/better/newer just for the sake of it is pointless, and those who don't realise it really have shallow lives. I've come to realise that you have to do what makes you happy, and sometimes that isn't as big/good/new as others who may look at you like you are daft, but that's what's right for you and that's the path you should follow.

    Happy life, Karmacat! :)
    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~

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I still can't believe how much you got back on the council tax - amazing. Well done!

    I have just proved to myself why I shouldn't be let loose in Asda and why I should stick to online shopping instead! Bill was £139 cf to last week's online shop of £82 with no trips to shop in between!!! EEK EEK
    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
  • shaun40400 wrote: »
    lulled into a false sense of security my pretty,,ha,,,ha,,,hahahahahahaa

    :osorry too any scary stories for es this week:o

    :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    InaPickle wrote: »
    I'm sorry about your friend: that's horrible. You are right about the materialism thing, though: wanting bigger/better/newer just for the sake of it is pointless, and those who don't realise it really have shallow lives. I've come to realise that you have to do what makes you happy, and sometimes that isn't as big/good/new as others who may look at you like you are daft, but that's what's right for you and that's the path you should follow.

    Happy life, Karmacat! :)

    Aww, that's so true. Beautifully said Pickle, that's left me with a very warm feeling.
    Sorry about your friend Karmacat. Life is indeed short for some. Very sad.
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