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

Sea78

oooh - been busy already Hypno - must get off my !!!! here and get on with stuff. Need to find my timer first though....

Right, at 9.30 I'm off to achieve something -ANYTHING!! You've inspired me:)

Sea xx

dreams_R_free

hypno06 wrote: »

We have spoken further about getting rid of the second car, and this is def a goer,

I hope it is a goer, otherwise you won't get much for it:rotfl: :rotfl:

Sorry! Couldn't resist it:o
Imp

hypno06

Impomdasp wrote: »

I hope it is a goer, otherwise you won't get much for it:rotfl: :rotfl:

Sorry! Couldn't resist it:o
Imp

:rotfl: :rotfl: :rotfl:

would like it to be a goer.....goer.....GONE!!

Update time, have worked out budgets - have realised am bloody skint.......need to get more income in......so

• have applied for more tutoring hours
• opened new car costs account (tax, insurance etc)
• written to bank cancelling monthly account fee
• have worked out we can't afford to eat - good for waistline
• have worked out we can't afford petrol - no need for a car then
• have applied for mortgage payment holiday to clear overdraft
• have had more coffee

Not a bad mornings "work" I suppose!

millionaire_in_training

Aww Hypno. Poor you, you are having a tough yucky couple of days. I just want to send you some good luck vibes. I was like this last month and wondered how the hell I was going to last until payday but hey I got there and none of us starved. ( I could do with a bit of starvation for abour 6 months tbh :rotfl: ) Gets you down sometimes though BUT being strong women we allow ourselves a wee wallow and then get up and dust ourselves off and start again with renewed vigour. You go girl and I hope you are getting cashback for all those bank accounts. xx

lynsayjane

well hypno, you do seem to be well organised with fixing your problems. You missed one thing though, the amount of money you'll save while the kids are away. knowing kids these day's you'll be able to halve your debt next week! :rotfl: :rotfl:

hypno06

Only problem LJ, is that my kids are so used to going without, that there will not be a great deal of difference!!

Oh well, onwards and upwards........!

Sea78

Hey Hypno - was wondering - did your dd get any replies from her letters to local companies?

Sea xx

lynsayjane

hypno06 wrote: »

Oh well, onwards and upwards........!

thats the attitude to have!

in all honesty hypno, if there was one single person on here I had the utmost faith in it would be you. Just look at your signature!!! you are doing amazingly, which is why I was so stunned when I saw your soa and realised that on paper you have a negative income! yet somehow you've not only managed to pay off £10k of debt in nine and a half months (gedz it took me a year to clear 3k and in the end that was equity from a remortgage!) but you've also managed to make great inroads into saving up almost the same amount again to send your children off skiing.

I don't think there is anyone on here who will disagree when I say that you are the queen of moneysaving and a huge huge huge inspiration to everyone. It may seem like an uphill struggle at the moment, especially when you look at the figures on your soa, but remember to look at the figures in your signature and your kids excited faces as you pack them off for a week of peace and quiet (you and oh obviously, doubt your kids will have peace ) and feel very proud of yourself.

slowlyfading

I totally agree with lynsay, could not have put it better myself. x

hypno06

Sea78 wrote: »

Hey Hypno - was wondering - did your dd get any replies from her letters to local companies?

Sea xx

Nothing at all, sadly. Oh well, at least we tried!

Thanks guys for the continuing support, it is much appreciated!