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

dreams_R_free

I know you won't be reading this until much later, hypno, now that you're immersed in your very busy schedule. I hope you arrive home this evening without a sore head like yesterday's.

I just thought I'd ask how your eBaying went. Did you sell everything? I only managed to list 5 cheapish things to finish on Sunday but at least they all sold:j . I certainly won't be booking a Mexican holiday(as taxi has done) on the proceeds:rolleyes: . I've managed to list another 12 bits to end this Sunday and have a few slightly higher-priced oddments to put on later. Every little helps though. I won a Panasonic digital camera and accessories(worth£250:eek: ) in a postal comp and it arrived yeaterday. I used to enter a lot of comps and won some lovely prizes in the past, including holidays, but I let things slide a bit and have only just got back into it again. The camera is gorgeous and so much daintier and with loads more features than my 'old' one. I'm so chuffed with it and keep getting it out of the box to touch it and look at it:o . All I have to do now is fathom out how to use it:rotfl: and I'm in business. At least my eBay pics might look a bit more appealing. I'm going to put the 'old' one on eBay as it's not bad as a cheap 'first' camera for someone. A bit more money for the debt-busting pot.

Sorry to hi-jack!
Have a good day
Imp

millionaire_in_training

Jeez Hypno. I hope your bits and pieces come up trumps and provide some cash for you. Will you get loads of charges for being overdrawn??

InTheRed

Hi Hypno!

Can I ask how the electricity week went compared to the "normal" usage?
I was away last weekend but have read through the many pages of your diary and connot find the findings!

In a pro-green way I have sent myself slightly mad with various government green websites for grants for solar energy or replacement of boiler for condenser boiler - but with no success.......

InTheRed x

Karmacat

Ooh, seconded - how did the leccy challenge go?

Snaggles

Hi Hypno! Gosh, I'm sorry you're having a bit of a stressful month, money-wise. Are you making overpayments on your debts at the moment? If you are, could you cut back a bit and sort the overdraft out first? I'm just thinking that if you are incurring charges, it's probably going to be more expensive that the interest on your debt? I hope you manage to get it sorted out, I've got great faith in you, because I've seen you accomplish such amazing things in the past.

hypno06

Hi all! One client cancelled, so have time to nip home get coffee and catch up a bit here before next client!

Firstly, leccy challenge - I did read the meters on Sunday and was hoping to find a big difference - I had not used the tumble drier at all, and made real efforts at being "the mad obsessed switch everything off at the wall when not in use" woman etc etc etc. All of this, to find that we used 10% more than we did the previous week.

I was gutted - I put extra jumpers on instead of the heating etc etc etc.

So leccy challenge was a failure but I am a bit stumped as to why - I mean, we even got rid of the kids and te student for the week! Plus we ate out 3 times so didn't use as much for cooking!! Just don't get it

Re changing direct debit dates, no it wouldn't really make much difference. The overdraft has gotten out of control so we have made a decision to take an allowable mortgage payment holiday for two months to put things back to balance -then the new budgets I have devised can kick in and we are hopefully going to be a bit nearer to balancing the books. That is the idea, so I know this is just going to be a crappy month moneywise and just start planning for 2008 etc etc.

The ski fund - hmm..yes it is stalling. I have to accept that we may not be able to send them for as much as we hoped, but anything is better than nothing, so compromise may well be required. There is only so much that one woman and a fab bunch of MSE'ers can reasonably do in such a short space of time.

Ebay - mixed results, some things sold, some didn't. Need another go at it.

Snaggles, no I am not making any overpayments, and haven't done since I started the ski fund, so nothing to cut back on there.

Blimey, this is sounding depressing......no!!!!!!

I have hopefully picked up a couple of invigilating sessions for November - easy extra money if I get allocated anything. Not much, but easy.

One of today's "free" clients has booked two more sessions, so hoping for more in due course.

I have a job interview for a fab job on Friday - If I get that, then we will be home and dry. If I don't I will apply for something else......

Positive brain cells need to be working overtime this month. Have been in worse before so will get through this sticky patch.

pania

hey hon you ok? I know you can get through this tough patch.

ebay is half price listing on thursday, make the most of it girl!!

Big hugs to you.x x

InTheRed

Hi Hypno!
Maybe it would be worth contacting your electricity provider?? Not sure if anyone has done this in the past?
It certainly seems strange that your usage has gone up?!

As for the monthly budget, keep your chin up - you always find new ways of managing the money!

InTheRed x

hypno06

Thanks P, I am pretty peeved with myself for getting into this situation. I really knew that I was making a commitment too far with the whole skiing lark, but I went ahead and did it anyway. What a stupid bloody thing for me to have done.

3 or 4 months ago, I was just about managing to get the spreadsheets to balance, was making overpayments and my debt was coming down very nicely. Now we are stuck, nothing is coming down debtwise, charges letters are back through the letterbox and I have the distinct possibility that I will be telling the children they don't get to go and ski as planned. I know they will understand because they are really good kids, but I should never ever have started it in the first place.

so, I have brought this upon myself really - and will get out of it. But at the moment it is very much a case of one step forward, two back......

Karmacat

No, hypno, like you said, something is better than nothing for the kids' skiing, I'm sure they'd agree. It does look like a list of problems, kind of, doesn't it, sorry about that there certainly seems to be something up with your electricity, you know... might not be a bad idea to take it a step further, but I'd certainly understand if it felt too much for you on top of everything else. I hope there's some good news coming up soon.