📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Hypno's "just for today" diary of rediscovery.

1344345347349350411

Comments

  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    At least you are looking into it now rather than waiting to be shocked, which tends to be my theme :o

    I will have to join you for the ball watching thing :D
    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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If they do, Hypno, surely they'll give a date a little while in the future, not next month? I know they did HIPs straight away, but CB is too important to too many people ..... here's hoping, anyway. You *can* do it. OH can make up some of the shortfall too, it shouldn't all fall on you, and he's fair around the kids, I'm sure he'll chip in to that.

    Its back to severe budgetting, I guess. I'm a bit worried about the 22nd myself, no idea what kind of cuts we're in for.
    2023: the year I get to buy a car
  • benbenandme
    benbenandme Posts: 12,352 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    There will be no weight loss this week, I fear - I have had the munchies for the last 24hours.......

    Maybe thats cos you've been up nearly 24 hours missus :D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    At least you are looking into it now rather than waiting to be shocked, which tends to be my theme :o

    I will have to join you for the ball watching thing :D

    All ball watchers will be made very welcome! It is definitely my "make or break" thing at the moment, and I am determined to be "make" rather than "break".....!

    KC, I am sure it won't be an instant thing, but even if it is 6 months time, it is something I was otherwise relying on, and will have to absorb, and on a day to day finances basis, nothing else will cover it, so I need to make plans and act seriously on them now.

    As for OH, he doesn't have that slack in his budget any more than I do in mine, so again, I have to work on the worst case scenario, unfortunately, regardless of what may or may not seem fair from the outside.

    benben - yes, I suppose those extra few hours awake and driving have probably been responsible for my munchies! I will therefore declare now, that I will not fret if the scales show an increase this week. I will look at the bigger picture, and acknowledge that I am still very much on the right path.

    Germany v Australia now - and a bottle of chilled white to accompany it.....:)
    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)
  • beanielou
    beanielou Posts: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    How would you feel about the odd student again?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    beanielou wrote: »
    How would you feel about the odd student again?

    Not unless it were absolutely necessary. The children and I need to be "us" for now, and the potential stresses of having someone share our house, and for us to have the additional responsibility, would be counterproductive right now I think.

    It is there as an option if we really need, but I feel quite strongly that we need to make this work as we are for the longer term, if that makes sense!
    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)
  • beanielou
    beanielou Posts: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It does make sense.
    Mine is only a few weeks a year & some weekends & even then its sometimes a thought & i mean that in the nicest possible way.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Of course it makes sense. There's an element there of cutting the cloth to fit, sort of. Here's hoping for you.

    I think I'd better go to bed - my sentences are tailing off rather abruptly even in my head :) night night.
    2023: the year I get to buy a car
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Monday morning - and a few more hours' sleep would not have gone amiss!

    The windows are being done today, so hopefully I will return home from work to a much brighter house!

    Scratching and banking is first on the list, though - so off to see if anyone has deposited a large sum of money in my account....ah well, a girl can hope!

    Have a good day everyone x
    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
    Needless to say, no one has deposited large sums of cash in my bank account, although I did get £1 on a scratch, so its not all bad.

    Except - I did a BT away from my virgin card as the 0% runs out this month......so the balance on that card is now nil as the BT has gone through in good time.

    So, why oh why do they think they can take the normal monthly payment, today, of £25 as well!!!!! So, now I have a positive balance on my CC which will take ages to get refunded, and in the meantime, my bank account is down by £25 a week before payday which is not the best time to be "out" as far as money is concerned!

    aaarrrggghhhh!

    Anyway, it does, again, remind me that the line is a fine one, and that I have to be able to absorb these things, both on a financial basis, ie don't be so close to the wire each month, and on an energy basis, ie don't stress too much when these things happen!

    I am spending this week having a serious look at the figures - I made a good start last night, but I was tired, and need to have another look with a clear head at the way forward.

    Never ending!!!!

    Have a good day xx
    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)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.6K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.