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

taxi73

Morning Hypno...time for another couple of coffees first!!!..hows your neck now?...a chill out day sounds good to me...I hate having stuff delivered..as...I can always think of a 1001 other things to be doing and those all day appointments drive me mad!!!

taxi73

Forgot to say have a good day whatever you do

hypno06

Hi Taxi, I think a chill out day is in order - DS has come down with a hacking cough, so could do with a break from all his mega activity, although I think he still wants to ski this afternoon! DD will be tired from the sleepover, and back home at about 10.30.

My neck is still painful, but the physio is working - I am back for my 5th session on Monday. Baby steps! It is a month tomorrow since the accident and I certainly didn't expect to still be uncomfortable. My respect goes to people with long term conditions. OH has arthritis in his shoulder - perhaps I have underestimated his discomfort over the years, and need to be nicer to him

But def time for another coffee......or two Have a good day yourself x

Karmacat

Hi Hypno!

Oh my, what have I started with the woodlice? Still giggling.... Actually, I have surprised a sunbathing fox in my back garden, and for a while a few years ago, I had a couple of hedgehogs in my front garden - one came into the house once, when I brought my veggie box in from the porch - the cats were *very* interested, and the tomatoes had little hedgehog claw marks all over them. Luckily I got it outside before the fleas jumped off, and before its mate got too worried, tho it was definitely looking. There are badgers in the next road, but I've never seen them, just know the woman that feeds them.

Glad the footie went well... just a bit concerned for you, tho - well, very concerned about your neck, that you're still actually in pain, and that with all the mystery shops and surveys and matched betting, you're not getting much, you know, *holiday* for your holiday! I know it can't stop, with what you've said about incoming and outgoing, just..... concerned. Are there at least some long bubble baths around, with a book and a cup of tea or a glass of wine or something? I'm the same, tho - last night, tho v tired and not at my best, I did finish the night by working on my new website - it went well, but thats not really the point. Hi ho. Have a good day anyway - for me, a bit more breakfast, and then another cuppa coffee.

hypno06

Hi KC, thanks for your concern. If you saw the state of the housework, you would see that I am not busy all the time!!!

I think the way that I see it is that if I don't do the odds and ends like matched betting, mystery shopping etc, I would worry more about where the money is coming from, and the extra stress would be far more "harmful" (that's not the right word, but can't think of another) than not doing stuff! If that makes sense it will be a small miracle, but I know what i mean!!

At least most of that stuff is sitting down stuff, so not physical. The neck and stuff are healing, they are just taking their time. We'll get there!!

Fab to hear about all the wildlife. We live on a modern (ish) estate, so wildlife is not in abundance, but we do have squirrels and the odd hedgehog.

Karmacat

hypno06 wrote: »

Hi KC, thanks for your concern. If you saw the state of the housework, you would see that I am not busy all the time!!!

I think the way that I see it is that if I don't do the odds and ends like matched betting, mystery shopping etc, I would worry more about where the money is coming from, and the extra stress would be far more "harmful" (that's not the right word, but can't think of another) than not doing stuff! If that makes sense it will be a small miracle, but I know what i mean!!

No probs for the concern - and what you're saying about the worry does make sense, absolutely.

At least most of that stuff is sitting down stuff, so not physical. The neck and stuff are healing, they are just taking their time. We'll get there!!

You are *so* positive! Amazing stuff.

Fab to hear about all the wildlife. We live on a modern (ish) estate, so wildlife is not in abundance, but we do have squirrels and the odd hedgehog.

This is a small estate, built gradually from moorland over the last 70 years, the density is very low (to me, having lived in big cities nearly all my life!) and the gardens are quite big - mine, in particular, is very "natural", I've never lived anywhere where I see dragonflies regularly, even tho its just the ordinary electric blue ones.

hypno06

:mad: All our debt payments are either standing order or direct debit, with just one exception which is MBNA, because I pay this out of DH second job, so when he gets paid on 20th, I simply make a manual online payment directly to MBNA of whatever he has earnt, in order to get the debt down quicker.

This has worked really well since the beginning of the year. OH has just had, however, a call from MBNA saying no payment received last month. I have checked online and I have indeed been and made a manual payment of £150, but I paid it to EGG!!!!! What was I thinking? Bloody hell, I am so keen to get rid of the egg cards that I have obviously got Egg on the brain :mad:

So, I will have incurred a late charge (fair enough, I was late) of £12, and my budget is now out by £120.55 which is the amount I have just had to pay to MBNA to bring it up to date, but I suppose the upside is that the Egg card balance is £150 less than I thought it was!!

GET YOUR ACT TOGETHER HYPNO!!!!! Can't afford many mistakes like this - it will now show as a late payment on the credit file and I don't like that :mad:

hypno06

Right, I "think" a positive thing has happened today.....

Since I made the error on the MBNA card, OH has obviously had to speak to them, etc etc and I prompted him to ring his other card providers and see if they would lower the interest rates.

He spoke to one, who reduced the rate from 20.9% to 15.9% so that was a result, then he went onto the dreaded egg, and spent about an hour on the phone to them to achieve precisely nothing!! He then had to sort something out with Orange because DS wants to see Transformers and OH said he would take him but the orange wednesday text thing didn't work, so it took half an hour on the phone to sort that out etc etc.

The reason I think something positive has happened is not because of the lowered CC rate (although I know that is V positive) but because he has now had a taste of what I have to do every day! He has experienced the banging the head against the brick wall feeling etc etc etc.

Hopefully he will have some understanding from this that I don't spend all day doing nothing, but sometimes I have very little to show for it when I am dealing with frustrating customer service depts etc.

Anyway, they have now gone off for a boys afternoon watching Transformers and I have an hour or two of peace!!

chocaholic110

hypno06 wrote: »

:mad: All our debt payments are either standing order or direct debit, with just one exception which is MBNA, because I pay this out of DH second job, so when he gets paid on 20th, I simply make a manual online payment directly to MBNA of whatever he has earnt, in order to get the debt down quicker.

This has worked really well since the beginning of the year. OH has just had, however, a call from MBNA saying no payment received last month. I have checked online and I have indeed been and made a manual payment of £150, but I paid it to EGG!!!!! What was I thinking? Bloody hell, I am so keen to get rid of the egg cards that I have obviously got Egg on the brain :mad:

So, I will have incurred a late charge (fair enough, I was late) of £12, and my budget is now out by £120.55 which is the amount I have just had to pay to MBNA to bring it up to date, but I suppose the upside is that the Egg card balance is £150 less than I thought it was!!

GET YOUR ACT TOGETHER HYPNO!!!!! Can't afford many mistakes like this - it will now show as a late payment on the credit file and I don't like that :mad:

:mad: :mad: :mad:

Argh! How annoying!! But just the kind of thing I would do! But it's not your fault - it's Egg's fault! They get into your brain and warp your thinking (Yet still I don't stop spending on my Egg card which has a frightening amount on it to be paid off at the end of August!)

hypno06

if only I could divorce Egg for mental cruelty!! They have definately got inside my head :mad: