Hypno's cheaper than therapy debt diary.

Snaggles

What would it do to your DFD Hypno? Have you worked it out yet?

hypno06

Snaggles wrote: »

What would it do to your DFD Hypno? Have you worked it out yet?

If I put every extra £ that I earn into the snowball calculator, it brings the DFD forward by about 15 months..........:D

Snaggles

Wow!!!!!!!!

taxi73

Thats fantastic 15 months

hypno06

But of course that won't happen in reality.........the children will ski, and I will buy chocolate :cool:

But *some* of the extra will find its way into the pot!

Keeping_Motivated

Quite right you deserve that chocolate!!

I take it you don't miss being self employed then?

Also will you carry on with the PGCE now you are taking a change of career path?

hypno06

I still see clients......just in unsocial hours - I have three to see in the morning and one on Sunday afternoon! I will keep seeing those that I have left, but won't be actively looking for new clients.

As for college......well, I will probably give that up - shame, because I am not generally a quitter, but you need to be teaching to do the course, and I won't be doing any of that. Also, there are only so many hours in the week!!

Keeping_Motivated

Probably sensible... You don't want to burn out and we all have to *try* to balance things out... With that amount of extra income I guess it would be nice/sensible to evaluate and impliment some kind of plan to add in some of that balance and definately get a cleaner definately oh absolutley definately .... KM is now dreaming of walking into her home and everything is clean and I feel the calm creeping over me just imagining it :rolleyes:

Gemmzie

Just caught up, wow, congratulations :T :T

How do you manage it?! 2008 is really your year!

SarahNeedle1872

hypno06 wrote: »

Now.......do I pay off my debt quicker......send the kids skiing again next year.......finally get a cleaner again...........move house..........

or just have another cup of coffee and keep smiling like the cheshire cat

I think u should do whichever would remove the most stress..... u are always doing so much, all the time, so whatever helps would be good....

If u can afford to have a cleaner and still increase the debt repayments, do that. Maybe u could also save a bit each month towards the skiing (I know I know, no savings allowed, but u wouldn't be adding to ur debt to send the kids off) and then any extra u make from challenges/the bar/eBay/bingo etc u can put towards ur debt....
Hope that makes sense... I haven't even had any wine!:D