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Hypno's "no more boom or bust" diary

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Comments

  • lucielle
    lucielle Posts: 11,529 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have got all my credit card statements, do I list the date of each charge?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    fingers crossed for some good news soon :) take it easy this evening - if you can ever do that! x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Follow the system on the reclaim board - put all the figures into the calculator so you can try and claim interest on them too (it gives you bargaining power, if nothing else) and then write the template letter with your total, giving the appropriate "if I have not heard from you by XX I will start court procedings" statement.....

    Some pay out without any problem at all, some need the next "letter of encouragement" but generally the credit card companies pay out - and any money you get back is a bit of a bonus really!
    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)
  • Hi Mudbath, I still don't know what CG stands for but on the chat part you tell the moderator 2 numbers between 1 and 90 eg 35 and 60 then if a line or full house is called on one of your numbers you get a £1!! You seem to keep the same numbers and the moderator keeps a log of which numbers are yours. I think!!! It's all new to me!

    No news on the dog, I daren't ring up - if they tell me he has been crying since we left him I would be in floods. He is a lovely little chap and I'm sure he will be chosen soon. I have managed to get him a write up and photo on an animal SOS website which seems quite popular so fingers crossed but there are thousands of unwanted dogs, cats etc over here.

    L
  • savingholmes
    savingholmes Posts: 29,001 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    good luck lucielle!

    We've always pretty much been able to get our refunded straightaway....
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    CG = Chat Game.....
    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: 13,453 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    oh dear, I didn't even know there was chatting over there:o... I just buy the tickets and go...
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463


    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • milann
    milann Posts: 11,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Well done on the run Hypno - I'm not into running at all - I can go over on my ankles when I walk - so dread to think what I'd do running LOL - but I keep promising myself I'll get back into swimming. I had a real good system going for a swim on the way home from work but gym changed the free towel system and I keep forgetting to take my stuff - yes I KNOW its a feeble excuse but its the best I can do for now LOL LOL. I really MUST start going again - I felt really energised after and I'm wasting £300 a year gym money by only going every couple of weeks.

    Positive vibes coming your way reguards the bank charges.

    Milann
    January spends - £587.58
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    milann, I will admit that when I say "I went for a run", I am perhaps being a tad unfair to those people who really do "run". On a good day, I jog, on a normal day I either shuffle or plod, depending on what is on my free qype ipod......:o
    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)
  • Was just coming on to see if you'd been for a run and you have :j yay! I'm just back from 7 miles and bazookered!

    Can also completely agree with your post about how you are no longer afraid of what the postman delivers - amazing how confronting things makes things easier!
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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