Hypno's "me, me, me, me, me," diary.....

gallygirl

My daily message to you Hypno - pah & pants :mad:

Pooky

Sorry to hear about the valuation.....life's a bit of an !!!! sometimes and although everything's meant to happen for a jolly good reason, it's sometimes very, very hard to see what that reason is.

Onwards and upwards! (feel free to detour slightly for chocolate)

se999

I know your yoga video's not arrived yet, but if you've got any other's it could be worth trying one tonight. Just done day 1 of the 28 day plan in my yoga book, and it really does calm & focus the mind when you concentrate of the exercises, I'd forgotten how good it was for that.

misselvis

am send you positive thoughts and virtual hugs you are no quitter and with that spirit am sure you will dust yourself down and come up with a solution to your woes. sorry I don't have any seeds of practical wisdom as it looks as though you have looked at the most viable options. onwards and upwards for that extra £250 pm.

Keeping_Motivated

Hi Hypno I am sorry to hear your news. I have not read all your replies so forgive me if I am repeating anybody but does this new information mean you can renegotiate with OH? I mean can he not help you pay the some of the existing debt now as it doesn't seem fair given the equity is less than you thought?

SarahNeedle1872

Sorry to hear about your valuation Hypno, I was hoping to catch up to some good news! Its such a shame that they don't take into account just how much extra you have paid off your debts in the last few years:mad:

Sx

boredofbeingathome

Ditto what the others have said Hypno- i also rather agree with KM, so hopefully a good solution will present itself.

Fingers and toes crossed for some very positive Karma re a bonus at work Then a pay rise, then a lottery win. Everything positive in three's.

hypno06

OH has no money - and a much smaller income compared to mine. Asking him for a contribution will not work, as he simply doesn't have any to give after basic costs. If I were to ask him, he would have to borrow the money, which he then could not afford to repay. OK, it shifts a little of the responsibility but I think the end result could be disastrous - and I truly don't want that for him....and of course the children would be the ones to suffer, which I certainly don't want.

Bonuses are paid in May.....so I would be able to repay Mum then, which would be acceptable to her and would wipe a lump of my debt off in one go, although I was hoping to use some of that bonus money for a holiday for me and the children....can't have everything, but then what's new!

Ultimately I have to make it work - it is not the first time I have been put in a situation that I don't like, don't want and didn't ask for in the first place, and it is unlikely to be the last time either!

In some ways it is probably a good thing - the barclayloan will be paid off within 2 years if I just let it run its course, and the mortgage/secured loan will be smaller by £4k so debt freedom will still only be 2 years away. Whereas by consolidating the barclayloan and having the full mortgage/secired/barclayloan together, the whole debt would have taken far longer to repay, albeit easier in the short term.......

The calculator and the back of the envelope will be out this evening I should think.....

boredofbeingathome

Well that is a better way of looking at it- you have a plan and i am sure it will work. In fact i know it will. x

Keeping_Motivated

You are very and sensible and realistic...but thats some going when you are under the emotional pressure that you are, so you deserve to recognise how well you are doing in that area..I hope OH is aware how adult and dignified you are being about all this and that your plans re money have now taken a harder turn.

Take care