Hypno's "no more boom or bust" diary

taxi73

Well done to the saviour in the office..the chocolate hobnob man.

hypno06

beanielou wrote: »

Has anyone tried the new chocolate hob nob creams?
Lush but rather too moreish!!
Lets just say no weight loss for me tomorrow:rotfl:

**adds to shopping list**
:drool:

Karmacat

Chocolate hob nob creams? I may faint......... now that the surveyor's been, I just want to eat and eat and eat. I managed to eat something healthy (quorn, onions, spinach, carrots and tatties, w. gravy) and now I'm ***screaming*** inside for some chocolate. I may have to nip out to the off licence.........

Double_Trouble

Karmacat wrote: »

Chocolate hob nob creams? I may faint......... now that the surveyor's been, I just want to eat and eat and eat. I managed to eat something healthy (quorn, onions, spinach, carrots and tatties, w. gravy) and now I'm ***screaming*** inside for some chocolate. I may have to nip out to the off licence.........

I find chocolate helps me think and you have some serious thunking to do so in this extreme case I say go get the chocolate :rotfl:

but Hypno take the hob nob creams off the shopping list you will regret it

DTxx

hypno06

Download work has been cancelled this evening, which means I can get an early night (much needed).

I have been thinking budgets, finances and schemes all weekend, and my brain just won't switch off from it I woke up at 4am thinking of money stuff, and although it is not the same sort of stress as it was a couple of years ago when I was simply trying to make ends meet, the broken sleep was not received well!

I have drawn up the new budgets, and typed out what each account's "job" is.......and am now just itching to put it into practice!

One other thing that happened over the weekend is that I got a letter from halifax saying that they are changing the way they charge for their overdrafts......

I have a £150 overdraft facility with them.....not really necessary, but if I use it, I get charged a very small amount, because the amount I am overdrawn is small (due to it being a small facility!). So, worst case would be that I pay £2 or so in interest each month if I use my overdraft all month.

From December, they are changing it, so authorised overdrafts up to £2500 will be charged at a flat rate of £1 per day that you are in your overdraft......so potentially, my £150 overdraft would cost me £30 a month if I am in it every day which is quite a hike from the £2 it would currently cost.

So, as I don't really need the facility, and keep it there "just in case", I will be cancelling it, both as a matter of protest (not that it will make any difference) but also because I don't want to run the risk of having such a charge "creep" into my already tight budgets.

I'm sure if you have an overdraft of £2500 that you are up to the max with every day, then you are going to be no worse off, but for a small overdraft facility like mine, it is not a good thing :mad:

Karmacat

They're starting to claw things back however they can, aren't they..... I think thats a wise decision, Hypno - and I'm glad you're going to be able to get some proper sleep tonight.

hypno06

Well, I hope I can get decent sleep tonight......these things have a habit of having a different timetable to me :rolleyes:

I've just put in a claim for some race entry fees that we can claw back - £48, so not to be sneezed at.....hopefully we will get a cheque for that in the next few weeks, and it will pay for one or two races next year.

I managed my much needed NSD today :j I won't get one tomorrow, but I can aim for another one on Wednesday.

beanielou

Yah to the NSD.
I count it differently to you.
I dont count petrol or budgeted food shopping but count cash.

hypno06

I don't count petrol, but I count everything else, which means that it is really difficult to have a NSD as I include all the "family spends".....

Perhaps I ought to have a month when I try and do just "my" personal NSDs and see how many I manage then.......hmmmmm, something to try for November, I think.

stressed.mum

Yeah well done on b!ngo win :j:j:j:j
Stressed xxx