Hypno's kick up the backside debt diary....

hypno06

Hope I haven't given you a headache, LA

Seaxwyn

Gentle reminder, you haven't updated your sig yet....

LookingAhead

hypno06 wrote: »

Hope I haven't given you a headache, LA

Not at all hon.

Karmacat

hypno06 wrote: »

One of the reasons that I never post my own SOA on here is that on paper we can't afford our repayments. However, because of all the extra that we do - OH second job, ebay, matched betting, mystery shopping, invigilating, lodger etc, we somehow manage to get through.

Erk, hypno, I never realised that!!! :eek: My admiration for you has gone up even more:A . Do you know when you'll technically have the money to do the repayments? Sort of your breakeven point.

taxi73

WOW ..Hypno...you are so clever...what a wonderful list of qualifications and jobs ...and you saying you can't technically afford the payments....you have done fantastically as you always seem to make overpayments...wonderwoman you are!!!

elantan

hypno just to let you know i posted that book yesterday you shouldget it today or tomorrow let me know what you think

hypno06

Morning!!

Today the post brought mixed news - I applied for the Mortgage exit fee refund that Martin has been talking about, but apparently I never paid one when we last moved, so nothing to refund!!!

Also got paid for the last batch of invigilating £108.73 after deductions. I am quite hopeful that I might get some of the tax back at the end of the year but anyway, I have got just over £300 net from the invigilating - not bad for easy work! Will def be hoping to do more of this next year.

Re my own budgets/repayments etc. I know exactly what comes out when, and I do have my own SOA just not for others to see because the only thing we can cut back on is the children's skiing and karate and I know people will say that we can't afford it when I say I will make us afford it!! We know that the household has to bring in £x a month to break even, and somehow we manage to do so (with the exception of May which went badly wrong and taught me to look at stuff more closely!!).

Have updated my total for the repayments that went out yesterday. The next lot come out in the middle of the month so will update again then.

I have also decided that I will only make overpayments at the end of the month when I know what is left. Before this I have been making overpayments as I go, but then running out of cash to pay for food so either increasing the debt elsewhere or incurring bank charges, both of which are counter-productive!!

Will be trying the child tax relief phone number again today - I tried a week or so ago but didn't get anywhere and then forgot about it.....:o

hypno06

Thanks El, it was not in today's post so hopefully will arrive tomorrow.

elantan

wow you get your post early mine doesnt arrive till after 1pm some days usually about 12 though...hopefully tomorrow thinking about phoning the childrens tax credits as well

Seaxwyn

Hooray! So glad to see your total moving in the right direction - well done!