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

Pippajo

I hope the envelope says yes

While the kids are away you will definately have a lower food budget and no running them around so that will help. Do you get to keep the paper round money :rotfl::rotfl::rotfl:.

x

hypno06

I'm doing the paper rounds on Sunday, but not the weekday ones - because it is half term there are plenty of others who can do an extra round, and who will be grateful for the additional pocket money.

In fact, I have decided to take three days off work next week, when the children are not here - three days where I don't have to set an alarm, don't have to chivvy anyone along, don't have to put on a brave face for the children etc.....so three days for me to properly take stock, which I think is much needed.

Karmacat

I'm pleased to hear that you're taking a second little chunk of time off, Hypno - but oh my lord, fancy not sleeping properly after 2am. I'm kind of worried about that on your behalf, sorry to say, I hope it doesn'tfeel intrusive, I just know how zombified I feel if that happens to me a couple of times, and for you its been *ages*...........

hypno06

Zombified is a very good way of describing it KC. I had hoped that by going for a run and decorating on Sunday, ie doing some real "physical" stuff, that I would have slept better on Sunday night, at least, but it was not to be.......oh well.....

I have done my trusty back of envelope calculations, and although it will be tight, I am going to give this a go based on the "new" scenario.

It will mean I have:

1. £175,000 mortgage plus £5,000 remaining of the secured loan.
2. £7733 barclayloan
3. £2908 - virgin 0%
4. £4000 - Mum

Total debt - £194,641 ie £1151 more than it is now.

In May - clear £4000 loan to Mum, and possibly virgin 0%.

Look at then getting another 0% deal to transfer barclayloan onto - but in the meantime, that loan does reduce by approx £260 per month by "natural" payments.

Based on a standard month, with no bonus, but including child benefit and maintenance, I have a surplus after direct debits of £430, or £100 per week.

This £100 has to cover everything - food, petrol, bus fares for all, ski races, football training, Christmas and Birthday presents, clothes, school uniform. So it is tight. £100 a week sounds a lot, but to include all that, will be hard. But it can be done, as these boards prove time and time again.

To supplement this, and to build up an emergency savings fund, I need to continue with the MSE extras.....

This year's bonus is now obviously accounted for, but in future, bonuses will help to pay for the nice things in life, holidays, trips to the theatre etc.....and will also go towards uni fees/costs as we approach that age. I also still need replacement windows which become more of a priority as every month goes by, but which are still hanging on.....held together by grime and cobwebs I think.

For those tracking my "original" debt figure, I would aim, based on the above, to achieve that by the end of 2011.....I refuse, point blank, to let this drag on any longer.

My fixed rate comes to an end in July 2013. By that time, I will be well in control of all things financial. And I reserve the right to look at property !!!!!! with a view to moving to my dream location.

Right, best earn a living then.......

Nellie_Dean

Very best wishes with this plan Hypno, I am willing you on all the way.

Gemmzie

You are such a strong lady, I knew you'd buckle down and find a way as soon as I read the mortgage news (:mad: at Halifax). You can do this, we know you can

InaPickle

chops22 wrote: »

If you can do a "stop eating NOW....you greedy get!!!!" download....I would buy it!!

Oh me too: I just hope I can't hear Hypno munching jaffas in the background! :rotfl:

40somethingmum

Hi Hypno,

Sorry to hear you are still not sleeping well:( Paul McK " I can make you sleep" is supposed to be good. I have the "stress" one and the CD is very good & relaxing !

Hope you have an easier day today.

Love as always

40SMxxx

sallyx

as always hypno you see the positives and find a way to juggle...you will look back in years to come and be glad to be debt free earlier even if it is a struggle...its not for ever after all.

Thats what I tell myself day to day and it seems to keep me going

POSITIVE_AND_FOCUSED

Im no example regarding sleep, however, what I would say is try not to worry about how you are sleeping right now. Just go with the flow. Have a power nap if you need one! Be kind to yourself. Relax when you can. Take it easy when you can. Its all very early days and as things start to get more sorted and clearer, hopefully that is when your sleep will be more normal. Having said all that I would urge you not to fall into the trap I have done. Since my dh situation, I just didn't want to go to bed. I missed him in it!! I felt the loss even more. And so I started to not care and fall asleep in the chair in the lounge, somewhere where the fact he wasn't there any more wasn't in my face. Now, its such a struggle to not have a broken nights sleep where I fall asleep in the chair, wake up at say 2am, then go to bed. And thats now a situation Im trying to resolve six years on.

Just take care of yourself Hypno. You are amongst people who truly care and are here for you in your time of needing support!