Hypno's cheaper than therapy debt diary.

hypno06

10 am I think, benben.

I am dreading the "camera puts on 10lbs" effect, and the fact that I was rushing around so much that day I failed to disguise the bags under my eyes etc

Hopefully it will remind me, though, that my house CAN be tidy.........

benbenandme

lol ... and do you mind me asking, when is that figure gonna change to under £55k?? Its soooooo close!!

hypno06

Not until after we get back from France........The next batch of payments will come out when we are in France and until then there is no room for overpayments sadly.

Once I get back from France and I know where we "are" then I will be hitting it BIG time!!

Yargo1

morning , what channel is it on? ill set my alarm to watch it/ interupt me from the housework !

hypno06

Channel 5!

I am glad we are getting in the way of people's housework......makes me feel much better about not doing my own

Karmacat

Hi hypno - what a good thing I came on here! Roll on 10am! Just to freak you out completely, I now have my DVD recorder up and running, so will record your bit!

Sea78

ooooh - will set the alarm on my phone now - will try to get a good bit of marking done before then!!

Sea xxx

Gemmzie

PVR all set up. Are the kids watching with you?

hypno06

Yes, the children are with me..........time for another couple of cups of coffee before the programme starts.

OH is at work so he will miss it.....

On a moneysaving theme, I have just opened an ISA online and paid yesterday's client money into it. I *know* that saving isn't the best idea when you have debt but I need to do things to the house, otherwise we will end up spending more in the long run, so hopefully this will help to protect the investment and therefore is very moneysavingexpert friendly

So.....once I start work in the new job my money allocations will be as follows:

OH pay - mortgage and household bills.
My pay - debt minimum payments and money towards kids skiing
Client money - in ISA towards windows and other house improvements. If we manage to save more, then it will go towards a lump sum payment so we can clear the secured loan (currently £11500)
Other MSE money (quidco, ebay, mystery shopping £10 a day challenge money, etc etc) = debt overpayments.

So simple, really :rotfl:

Karmacat

I do know what you mean about it costing more in the long run - one of the windows I have to replace, for instance, is on the weather-side of the house, and the internal plaster around it has blown - three times, now, I've had rain dripping on the inside of the window when the window itself is completely closed! Not nice. So I'm completely with you on this one!