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

hypno06

Hi Seaxwyn - I have smileys for imaginable and unimaginable situations.

Found this one when I was looking for "wind" for KC

Karmacat

:eek: what on *earth* does that one mean? Am I still so naive at my age? :cool: :eek:

On second thoughts, don't tell me. I'm sure the censor would get you if you tried.....

Seaxwyn

Ugh! Who designs them I wonder?

hypno06

Seaxwyn wrote: »

Ugh! Who designs them I wonder?

a 12 year old I suspect!

hypno06

Morning guys! Another Friday is upon us. This week seems to have gone very slowly for some reason. Not sure why, or whether that is good or bad!

Anyway, clients this afternoon and evening, meaning this morning I need to do some ironing and get cracking with an essay before lunchtime.

Paypal money has been received today so now added to the ski fund with it heading towards the four figures. A cheque for some mystery shopping is on its way (although they are notoriously slow) so that will be added in due course.

I hope everyone has a good day xx

Karmacat

Morning hypno

You sound chipper - and the smilies are sweet this morning! You have an essay already? Is that from your pgce? *They* didn't waste much time, blimey. I cannot *believe* how big the ski fund is, and once the paymens from all these cartridges start flooding in, that'll be another go-er.

See you later
x

hypno06

Morning KC, yes an essay already. Only 2 years of it remain!!!!! Will stop me from getting bored!!

Actually it has highlighted the need for me to be absolutely on top of things and organised in my life. If not, then there is no way I can juggle all the balls I currently have in the air without dropping at least one, and that concerns me slightly.

So, my exercises from my wonderful book "why am I so disorganised" will be coming to the fore over the next few days and weeks I suspect!

Good luck with tackling your garden this morning!

Karmacat

You're right, you'll need to be as focussed on the organisation of your life as you are with cracking the debt. Just a thought, will your minimum payments be coming down now you've paid off so much? Or is it loans that just keep the same repayment figure all the way through?

hypno06

About two thirds is loans, so payments stay the same, but at least the capital payments get bigger the longer we go on paying, so the debt is actually going to come down quicker as time goes on.

One loan is due to end in August so that will free up a couple of hundred pounds a month, which will go on the snowball calculator to the next debt.

The ones that have the ability to pay minimum payment are getting just that at the moment, all money that would normally be used for overpayment is going to the ski fund.

OMG, if I have to be as focussed on my organisation as I am with my debt, then that is quite a scary prospect :eek:

Karmacat

Oops! Sorry to scare you. But hey, thats great to hear a loan is finishing soon, thats a lot of money to get freed up.