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

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Comments

  • taxi73
    taxi73 Posts: 20,815 Forumite
    Hi Hypno...what a mixed up couple of days for you!!!...So glad the grass came out of DDs eye...what a relief!!!
    Well done on paying more off the egg card and the holiday is a fantastic idea...that's what your dad would probably of wanted...he'll be so proud of you!!
    The bank charges..sorry ..I don't have a clue about these but checking CAG website won't do any harm...
    You are working really hard and I hope you are getting some time for yourself...
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Hi Hypno

    Sorry to hear about the worrying letter - and what a long wait you've got til the court date. Try not to worry as it's out of your hands now and worrying won't change the outcome.

    Good luck with the insurance claim, I'm sure youve got a good case there.

    I am in awe that you have paid off £8k this year. That is a wonderful achievement, I hope you feel very proud. You will smash that 10k target in no time.
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Thanks hun x

    I have decided to give myself a day off from stressing and worrying today (that said, the postman has not been yet so who knows what crap he will bring me), to have a good weekend tutoring, and to get fighting everything next week when hopefully my energy reserves will have been recharged a bit!

    In my "what small steps" thread I have started to add that one small step I will take is to "be positive". If I make a decision to be positive, then I am much more likely to be so. If I wake up feeling "here we go again" then I will feel negative all day.

    OK, so the theory is good, let's see how the practice turns out.

    How are you, Seaxwyn? OH fully MSE'd up yet :confused:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • pania
    pania Posts: 8,258 Forumite
    Hi Hypno, just had a read through your thread, hope the postie bought something nice!:rolleyes:
    Sorry to hear you had a bad day yesterday and sorry i was away from the boards so couldn't post.
    £1000 off egg, wow! go you! great to be bringing it down, bittersweet for you i guess as it came from such sad circumstances. you'll hit 10k this year no worries and on for the 15K!:T
    hope you have a much better day today, love the being positive idea. really does change you're out look, and such a sunny day to enjoy to!! :j
    have got a day at home today so think i'll be out in the sun making the most of it while we have it!
    enjoy your day
    p
    xx
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Postman hasn't been yet so I think I may go out and visit a friend for coffee so that I do not have to deal with anything horrid until I get home (how awful is that!!)

    Enjoy the sunshine, the weekend is expected to be crap weatherwise, so make the most of it while it is here!

    :cool:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Hi Hypno

    Good for you - stay positive and enjoy the weekend. I agree, it's good to remind yourself to be positive and I try to do this too.

    Is OH fully MSEd up? hmmmmm not sure about that one, watch this space

    I've had a good week with lots of interesting work. Unfortunately I went to the pub last night with some colleagues and stayed there for six hours :eek: :eek: I really enjoyed the evening but now have a dreadful hangover and a deadline this afternoon urgh better get off MSE and get down to it
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    hi nhypno think youve came up with a great plan pma is a great tool ..hope the postie bring a nice cheaque for your fees and insurance (well you never know)
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Don't fear the postman!

    I've actually found since joining up to DFW that I no longer fear opening the envelopes, partly because I keep sending off for freebies, but even when the 'bad' stuff arrives because I actually deal with it rather than sticking my head deeper into the sand.
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • chocaholic110
    chocaholic110 Posts: 2,509 Forumite
    Storm wrote: »
    Don't fear the postman!

    I've actually found since joining up to DFW that I no longer fear opening the envelopes, partly because I keep sending off for freebies, but even when the 'bad' stuff arrives because I actually deal with it rather than sticking my head deeper into the sand.

    I love the postman (in a strictly platonic way, not a mad passionate bored housewife type way) and I love getting post!

    I am such a saddo that it is one of the highlights of my day! I even like getting credit card bills as I know it is one more step on the DF highway.

    In fact, (hangs head in shame) I lovecoming back from holiday as I know I will have a whopping pile of post.

    BTW...ssshhh....am sneaking on here at work
  • pania
    pania Posts: 8,258 Forumite
    hmmm chocoholic, maybe best change your name to postaholic! still getting that sinking feeling when it drops on the mat but only as i've had to have it for so long, getting used to getting good news now!!
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
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