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

Sea78

Oh Hypno - sorry to hear about Grandpa.

FANTASTIC news about the job - how exciting! Will yo go for the full time do you think? What impact will it all have on the whole debt paying/ski fund? When do you start?

Sea xxx

Karmacat

Congratulations, hypno! Didn't log on till this morning, after getting back late last night, very pleased for you. A friend of mine used to teach Art Appreciation in prison in London - she found they were so bored, they were open to anything (and they liked looking at the nudes, oops). Anyway, I think the whole concept of the job is brill - anything to break the cycle of returning to the old environment and reoffending, fantastic.

And there's also the sadness around OH's grandpa - sorry to hear this, but as you say, he'd had enough, and he was ready to go.

Even given that, hope you all have a good day. Sympathies to all.

hypno06

Morning all!

Soubrette you didn't do anything with insensitivity! Please don't worry about it and no need to apologise x

Sea, I want to find more out about the full time job before I make a decision as I only have the email to go on. I would hope to start at the end of the month. It won't make any difference to the ski fund, in that it will mean I can balance the SOA and not worry about finding the money to pay the bills/debts etc.

What it does mean though is that any extra from quidco, ebay, additional therapy clients etc, really can go to the ski fund without being "needed" for the SOA shortfall, or things like expensive school shoes! This is what happened last week, got a mystery shopping payment for £44 but on the same day DS school shoes gave up so had to spend £38 on new ones. I hadn't budgeted for that so had to use the £44 that should have gone into the ski fund to pay for shoes :mad: sorry, rambling now!

The job is 30 miles away, so my petrol will go up, but hopefully all in all things will balance out. I will start working on my budgets once I know a bit more. That will probably help to make up my mind!

KC, I don't think I will be involving "the naked form" in my classes :eek: I did find, though, that my sleep was disturbed by thinking of things that I COULD use. Must do my "thinking" before sleep, not during - that just will not do!!

Karmacat

hypno06 wrote: »

I did find, though, that my sleep was disturbed by thinking of things that I COULD use. Must do my "thinking" before sleep, not during - that just will not do!!

Yep, that really helps! :rotfl: :rotfl:

How incredibly :money: :beer: :money: this all is - Martin would be very proud!

hypno06

Well, using Martin's budget planner (fab thing to use if anyone wants to give it a try - on "free tools" at the right of the site), I have put in the 4 days a week, on the starting salary, and made a tentative adjustment for petrol, and that says that on that basis we can afford the bills, the kids karate and their UK based skiing. doesn't give us any for emergencies or savings though.

The full time job, using the lowest expected salary would give me enough to start paying for their overseas skiing - over the course of a year, I could pay about half their fees in addition to keeping the SOA balanced. This would just leave me to find the balance of about £3500 a year from odds and ends of ebaying/clients/matched betting/quidco etc etc.

Of course I then have to offset the fact that I will be working full time - so won't have the same amount of time to do all the "odds and ends" to raise the money!

Of course, there is no guarantee that the kids will continue race training - it may be a one year special offer, never to be repeated! In which case.........if I took the full time job.......it would give us........

SAVINGS :rotfl: (OMG, just had to look that word up on spellcheck, it is so long since I have used it).............:rotfl:

Now I am getting carried away at the thought of buying new shoes.......or having a holiday........

Full time it probably is then

dreams_R_free

If you can't have a takeaway meal on a day when you've been offered your dream job, your daughter has received a clean bill of health, and a dear relative has died then when can you? Especially as you managed to spend so little with your student and DH not eating:j .

Have a really lovely weekend and use the tumble-dryer too (if necessary) without a hint of guilt just this once. I'm not suggesting you suddenly become a spendthrift:rotfl: (as if you ever could) but have a nice easy weekend after all you've gone through lately.

P.S. With the new job you'll be saving on heating your home during the daytime too!

Karmacat

Wow! Amazing stuff - it sounds so reassuring, so fantastic, doesn't it!

Just a thought, hypno - what happened to you matched betting? Are you doing it and just not typing it in here cos there's so much else going on, or has it got lost by the wayside?

hypno06

Thank you Imp. I have to admit that this week has been one of the strangest - I was so down earlier in the week about the money and stuff. Then very emotional for all the "wrong" reasons when we heard that Grandpa was about to go. Then up on a huge high from the job and all the alternative opportunities it creates.

Still buzzing today, so hope I don't fall today with another "bump"!

I have a client this morning, and work in the bar from 1pm. Then need to get things sorted and priced up for the ski sale tomorrow when I get home this evening. The kids are skiing at 9, although DD is still in her dressing gown gormlessly watching kids tv, so need to give her a bit of a prod!!

Checked the banking online and quidco have paid up - £117!! I love this site :money:

Karmacat

'Ere, you and I keep crossposting! There's a question waiting for you at post 4919!

hypno06

Karmacat wrote: »

Wow! Amazing stuff - it sounds so reassuring, so fantastic, doesn't it!

Just a thought, hypno - what happened to you matched betting? Are you doing it and just not typing it in here cos there's so much else going on, or has it got lost by the wayside?

Matched betting is something I need to resume - I had done most of the easy bookies, so needed to spend a bit more time and thought on it to make more money. Because I ran out of "steam" on more than one occasion, I sort of pushed this aside because I was terrified of making costly mistakes that I certainly can't afford. However, once I am back into balance (mentally and emotionally as well as financially and physically) I will return to it as there is still a lot of money to be made I think.

I am still doing the easy offers that come through, but that is only a few pounds here and there -it has been added to the ski total as it has come in, just not recorded separately any more (too many figures in my signature were confusing me!).