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

hypno06

Hi Inmyshell and welcome! I have come too far to give up now, so have no choice really but to keep going, despite the setbacks.

I was having a chat (ok, I was having a good old winge and a bit of a cry) with a friend earlier, and I tried to explain to her (she is the only one who knows the real extent of our debt, apart from OH and you lot) that I felt as though I should perhaps consider a DMP again, but that as I had got this far with just snowballing, I felt that I should continue.

Of course the DMP would have the benefits of having interest frozen, but would muck up my credit for the next 6 years, and if that was the way I wanted to go, I had the chance to do that 5 years ago! On the other hand, despite not having any defaults or CCJs, and being on top of all payments, I still can't get a current account, or a credit card for balance transfers anyway, so does having a trashed credit rating make any difference to me!

AAARRRGGHHH! I know that I will continue in the same way as I have, but today I have really found it to be exhausting, given that May is such a tight month anyway!

Sorry, I will be positive tomorrow (I promise).....:o

taxi73

HI Hypno so sorry about ther insurance and all the other crap that's going on right now....sending you big hugs.....I agree you mustn't let them away with it and do need to take it further...I think a condition of using an ombudsman is to have dealt with the internal comp-laints first...send it in writing recorded delivery....hope things turn around for you soon...

Seaxwyn

Hi Hypno

We are now half way through May and June is bound to be a better month for you with all the good work you have been doing.

Debt busting is really hard and it's only to be expected that you will have some bleak times - but look at the fact that you have paid of £6,000 already this year. And made £700 on ebay this week.

Ive said it before and I don't want to be creepy but I find you an inspiration and it's clear that lots of others do too.

hypno06

Just finished the last client of the day, so now time to sit and relax before getting some sleep!

Tomorrow I am invigilating first thing before seeing clients and generally running around trying desperately to get some order in my life!! (some hope:rolleyes: ). I am determined to have a better day

Thanks everyone for your support today. It really meant a lot to me x

taxi73

Gosh Hypno you are so busy...you never stop...be careful not to burn yourself out

atypicalblonde

Have a good day Hypno and let us know later on how your day has gone x

hypno06

Afternoon all!

Well, nothing bad has happened today, other than reading about the guy who had his bank charges case go against him, which does make me feel a little wobbly given that I still haven't heard from the court, and the £4000 for my claim is quite a bit of cash that I could do with right now!

Apart from that, I have done a bit of invigilating this morning, a bit of work, and now am cooking dinner before my next client at 5.30, after which I will be taking the kids race training in the rain!!

I was naughty and bought myself a bit of a treat today when I was out - I felt really "bad" doing so and as a result even had a little smile. So, what did I buy???? Shoes? New dress? shed load of chocolate? No, I bought some shampoo!!!!!

I usually buy whatever is cheapest but actually bought myself A BRAND NAME :eek:

And what's more, it wasn't on offer :eek: No BOGOF, no vouchers, nada:o

So, it felt really really naughty. But it felt really really good :T

Sometimes we just *have* to do these things. Retail therapy at the lowest end, I think!!

hypno06

oh, and I bought the conditioner to go with it

:whistle:

slowlyfading

haha, I always love to buy nice shampoo and conditioner for a treat - my hair always seems so much more glossy than with others you're doing great, remember that.
sf x

hypno06

And, no one else can use it, because it says in great big letters "for brunette hair (chocolate to espresso)" and I am the only brunette in the house.

By buying this one, I also satisfy my need for chocolate and coffee as well. Well, if it mentions both on the tube, it must be a sign.....