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

elantan

goodmorning everyone i am feeling better today (so far) didnt leave my bed at all yesterday and ended up with a bad migraine and vomiting but i am up and raring to go today was reading your challenges for next year hypno i have been thinking about mine too and will be joining you ..my old diary has been lost with the virus and i dont know if i am ready to start a new one yet so will probably just write it down ...i read pania's new one yesterday (amazing how i still managed a few mse hours lol) and was inspired between yours hers and karma's i think next year should be ok motivation wise ...anyway i'm off to my counselling course soon so i need to get ready catch you all soon


p.s surfbabe snowballing is a method in which you put all your debts with the aprs etc and it advises you which one to pay off first and how much to pay it will give you a dfd (debt free date) i think the address is www.whatsthecost.com but i aint too sure someone else will come along and tell you i'm sure ...good luck on your journey

OliveOyl_2

Oh Hypno, adding in the two overdrafts was what helped me to my LBM :eek:

It's a b*gger isn't it? I didn't even include a little account in which DS2 maintenance goes in, school fees go out and Quico/Amazon sales make up the shortfall - or will do by July next year when it all stops.....

I'd set myself a challenge to raise my £600 phone bill on e-bay sales by December 12th when it's due.......and then my computer virus returned :mad:

The_Dragon

OliveOyl wrote: »

I'd set myself a challenge to raise my £600 phone bill on e-bay sales by December 12th when it's due.......and then my computer virus returned :mad:

Ouch not what you needed - I hope you sort this out and soon OO

dreams_R_free

Well done hypno and everyone who has poste/is planning to post a new diary and targets for 2008. Will go and read a few for inspiration and try to sort one out for myself too. My Mum always hated New Year's Eve with a vengeance as she regretted all that had ended. I love it as I feel so optimistic that a fresh start is dawning. Strange how we all view things isn't it?

Hypno, I'm amazed that you say you need to lose 2 stones in weight ! I've obviously never seen you or a photo of you, but I imagined with all the rushing around you do, working every hour you can, looking after your family, plus often forgetting to eat(or not making time for yourself to eat:eek: ) and practically living on caffeine that you'd be stick-thin.

Good luck for a quick start to your new job. What a relief a regular income will be for your family.

Take care
Imp x

pania

hey all.
I just wanted to let you know that Hypno has a lovely figure, she looks perfectly normal to me but i guess that we all know how we need to be to feel comfortable in our skins. (like i need to loose a stone!! eep!!)

Roll on 2008!!! xxx

pania

ps HIIIIIIIIII Elantan!!!!!

In_Search_Of_Me

Have a good day hypno...just caught up..you're doig it for the money! Hope the forms come through soon so you can start! CRB will change over time and they will be transferrable to stop having to have millions of them but it will take time! Plus CRB are being swallowed by passport office I think....not sure when it changes over but hopefully the admin will be better!

elantan

hi pania hows things? loving your new diary really inspirational already

taxi73

Afternoon Hypno and all,
It seems we're all thinking about our new year targets and all with great positivity.Isn't it amazing how everybody has grown so much in confidence over the last year!!!...What a great site this is..
A new year a new beginning..how wonderful!!!!...I'm really looking forward to the new year as well...and am looking forward to everyone busting those debts....
Hypno I so hope you're CRB comes through soon and that your day hasn't been too stressful..take care xx

blackangeluk

Hi Hypno - those resolutions sound really good and positive - think I will have to think of some. Wish I hadn't updated my signature so soon now, I could have been at the launch of the DFW maturity :rolleyes:

Have you got any tips for a novice skier? I'm off to new Chill Factore in Manchester for a lesson next month before a xmas do out and have no idea what to expect!

p.s. Pania, in case you were wondering I returned last night with a new signature and a new outlook and lots of lovely people made me realise it's not all that bad......honest!