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

hypno06

Well with wise words from above, I have agreed with myself to go for the half way figure of £200 overpayment a month which I hope is sustainable with a bit of effort.

This would bring my DFD forward to May 2010. This is the same time as my DD does her GCSEs so I figure it will be a fab feeling as a parent to be debt free by then.

But of course, it still requires that extra effort, but I am seeing it a bit like a continuation of the olympic challenge, when that comes to an end. £50 a week is what I have to find one way or another. I think this is doable with ebay, matched betting, car boots, mystery shops etc.

Wish me luck.

On another note, I am supposed to be doing loads of assignments for a course I am on at the weekend. I stupidly told someone else on the course that I have already completed them, when in fact I had not even started them! So I really need to get my head down and get writing, otherwise I will have egg on my face, big time on Saturday morning.

I see a couple of very late nights, and very early mornings following!!!

Seaxwyn

Hello Hypno

Wow I admire you making those huge debt payments. We pay about 670 a month - that's two loan payments and the min payments on three credit cards. I hardly ever manage more than a few quid on top, instead I'm engaged in a constant struggle to keep the overdrafts down. Even paying £100 on top of the min payments would feel good.

I realise this is getting me nowhere so I'm going to hold you up in my head as a shining example and try to do better. Please don't wear yourself out with the extra effort though - hold on to that hypno good humour!

Nice to be debt-free when your daughter does her GCSEs. I'm aiming for when mine go to university (assuming they do of course) - six years away. My big loan ends around then so would be good to have everything else paid off before then. But I need to work out a plan to do that

Good luck with the assignments. I'm a freelance writer with chronic writers block I do sympathise. Late nights, early mornings, and lovely sunny days spent indoors are my life....

All power to your elbow

hypno06

Hi Seaxwyn

There is, of course, the chance that I am trying to push myself too far. I look in my diary next month and there are plenty of gaps there for clients to fill and if I have a quiet month then there will be no chance of any overpayments.

But I am hoping to use it as a motivation rather than an OMG I have to stick to it type thing so that in the leaner months, I am still well on top of things.

And as for the assignments? Well, I am still on MSE!!!!!!

Need I say more.....

hypno06

Ok, so I am a bit all over the place, in more ways than one - nothing too bad but just feel as though I need to get my act together in some sort of vague way, if that makes any sense!

DFW wise things are generally going in the right direction - I have managed to pay an additional £260 off the egg cards meaning that mine is now under £2000. Definately a good feeling to see that coming down.

Yesterday I did spend more than I wanted - DS needed school shoes and I bought a birthday present for my mum, then we had an unexpected guest so for the first time in ages we had a chinese takeaway. But, we really enjoyed it, opened a bottle of wine and I think that the fact that takeaways are a rarity nowadays means that we really appreciated it all the more! But still money that I had not intended spending.

Also this week the window cleaner came (£14 :mad:) and even the tooth fairy had to find a £ !

I am on the final part of my course tomorrow and sunday and still haven't done the assignments, so I think my only way out is to plead that my computer died before I could print them out so I will send them off next week. Not good.....

And finally, I have to go and get my Dad's ashes today. I am going to see my sister on Monday and we will be scattering them then, but of course I have to pick them up today because the undertakers will not be open at the weekend. So I think the next four days will be quite emotional for me but I have no choice but to get on and get through it.

So, as I say, I feel a bit all over the place, but nothing specific - I just feel that I can't settle to anything at the moment. Maybe (hopefully) when I have done the ashes I can get my head together again.

In the meantime, got any good excuses for not doing assignments.....

Karmacat

Hugs to you, hypno, collecting your dad's ashes, no wonder you're all over the place. Hope the weekend goes well.


Just want to echo what Seaxwyn said earlier up this page - I hold you up in my head as an example of what's possible, your debt is big, you overpay by big chunks, you're self employed, you have a family to look after, and yet you always have time for other people AND you got to grips with matched betting. (I'm reading, I'm reading).

Hope the course goes well this weekend.

Seaxwyn

Hypno, its not surprising that you're all over the place.

Give yourself a break this weekend from worrying about debt and studies as dealing with your father's ashes must be very emotionally draining.

I'm sure you're a model student most of the time so if you need to make an excuse about the assignments, that's no harm done in the long term.

Thanks for beign a constant encouragement and inspiration to the rest of us DFWs!

hypno06

Thanks you guys. I think that the combination of Dad's ashes, the kids being on school hols, me having come back from holiday and stuff all means that my "routine" (if ever I had one) has gone out of the window!!

Hopefully after Monday, I can get things back to normal, get my head down to work, and get a grip!

In the meantime, the gerbil (what gerbil) is making a good effort at munching at my assignments.....;)

hypno06

Went to pick up Dad's ashes this afternoon and although very very emotional to begin with, it now feels strangely calm having him here in the house again.

The children have both spoken to him, so slightly surreal in a bit of a tearful, yet funny way.

The ashes will be here until I take them to my Sister on Monday, so I hope things remain ok over the weekend and that the children do not suddenly become upset, because when they do, there will be no stopping my tears.

On another note, the assignments for this weekends course still didn't get done, but I saw a new client and did a bit of matched betting, so can't do it all, can I!! I will get cracking again when the children go back to school next week. Apart from anything else, I don't get the certificate until it is all completed, and I will be paying the last part of the course fee tomorrow which without the cert will be worthless!

A glass of wine and an early night is called for I think.

hypno06

So this weekend I did my course without having the assignments to hand in. Typical isn't it - the weather was beautiful and I was indoors from 9-5 and not able to enjoy the sun!

Let's just hope that the forecast of a long hot summer is correct, although why we should take any notice of weather forecasters is beyond me!

Tomorrow is my trip to Yorkshire to do my Dad's ashes. I am getting the train as I think I will be too emotional to drive safely, and it will be a long day, but it has to be done. I have a large bar of "comfort" chocolate to accompany me.

Hopefully I can then get my head together next week - my house is a mess, I haven't done my assignments, I have not yet put in my insurance claim for my holiday bags that went missing etc etc etc.

Note to self: Swift kick up the backside needed upon return x

ZTD

hypno06 wrote: »

Note to self: Swift kick up the backside needed upon return x

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