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Hypno's "no more boom or bust" diary

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  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    hi angelaf - yes, coming to the ski slope - never been there before......I am staying in a travelinn or travelodge about a mile away......I am planning my journey according to how many times I need to stop for coffee - its a bloomin long way to go just for 2 runs each down a flippin slope :rolleyes:

    There is only one room available for the cheap ski hol - friend and I have been bothering the poor woman on the booking desk by keeping ringing to say "is it still available" :o We are already excited about going, and we haven't even booked it yet! I hope fate is in our favour and that the room is still available when we find out that we can go........
    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)
  • i was initially very sad to see your signature change as i REALLY enjoy seeing your figures come down and was looking forward to you going sub £20,000, but it is YOUR signature...anyway, will have to look forward to you getting down to £175,000 initially and then low enough for you to go and buy your dream house...well done...:j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I'm still running the original snowball, so I can update you as it gets to appropriate original milestones!

    I just need to focus on the big picture - had I not switched to the repayment mortgage, and kept the extra money towards the other debt, the "old" sig would work fine, but with the larger sums being thrown at the mortgage, it makes more sense to me to show the whole thing and watch the bigger numbers coming down.
    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)
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Sig amended........: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)
  • skint_spice
    skint_spice Posts: 13,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry for yet another bingo question... I won £10 on BB and clicked to withdraw and it looked like it was going through ok but are you telling me I should have stuck another tenner in first?

    P.S. I like the siggy!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    yep you will need to make it up to min withdrawal level
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • skint_spice
    skint_spice Posts: 13,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    but why didn't it say that SH? seemed ok and tenner has vanished!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Yes, add £10 and withdraw £20 - it might say you need to wait 24hours, but that's ok, you can withdraw it tomorrow and still use your free £5 to play after you have withdrawn the real cash!

    well done on the win - they are not that great at saying "minimum withdrawal" but once you have sussed it, it is fine! honest!
    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)
  • skint_spice
    skint_spice Posts: 13,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    will my tenner reappear do you think? or is it gone forever?

    P.S. I have NEVER won on bingo before so very excited!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    It hasn't disappeared - it will resurface!
    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)
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