Hypno's cheaper than therapy debt diary.

Karmacat

Calculating the amount outstanding: for my loan with Northern Rock (!) I had a table that they sent me showing for each month the capital repayment and the interest. I had to get that table because its for my French property, and I claim against the interest - but Northern Rock didn't charge me for it, tho of course they might now, being so broke! So you might be able to get the loan people to do it for you.

I agree with Seaxwyn about how punishing your minimums are, hypno, whether you've got a full-time job or not, they're *so* high.

Sea78

Hey Hypno - hope you are having a good day

Sea xxxx

hypno06

Working in the bar this afternoon - it is very hot, and I am very tired! Wish I could close up now, but am on shift until 7 so still some way to go!

Yes, minimum payments are punishing - that is why I am so stressed so much!! But yes, a holiday every month - now that would be good :cool:

Right, best get back to work. Catch up with you this evening. Hope you are having a good day everyone!

taka

I use the debt planner bit of Quicken so I know how much I have paid goes off the capital and how much goes off the interest. You can see the same details more or less on www.whatsthecost.com in your snowballs. I have my loan as a separate snowball (and one combined with my mortgage) and know my loan settlement fig is outstanding plus I think 56 days interest (so roughly 2 months int).

rtandon27

Happy Weekend before Christmas Hypno!

Having missed four days of Hypnoland, I can't beleive how busy you have been! :shocked: So amazing you are... how do you do it???

Have just caught up on the 'free' shopping complete with cashback, the water bill credit, the eyebrow tidy, the Toluna clicks , a mad cleaning frenzy, not to mention David Tennant AND John Barrymore with a side of Bailey's...

...phew what a list!

Best Wishes and a very Happy Christmas the Hypno Family...and a virtual toast to Hypno and her inspiring dedication to being Debt Free!!!

RT & OH (who's now reading over my shoulder after hearing the stifled DT & JB laughter:rotfl: )

:xmastree:

(strange??? -- posted at 17:30ish but it says 18:30ish)

In_Search_Of_Me

Hope that the rest of the shift was ok for you! Just think of the dosh!Hope you manage to get some chilling this eve

hypno06

Back home and whizzing up a strange sweet and sour pasta concoction - with some turkey breast and some fresh pineapple (friend gave me a pineapple as it was on BOGOF!) for dinner.

rtandon - thank you for the Christmas wishes! Hoping you have a good one too!

Yes, ISOM, chilling I think this evening. I have signed up to slicethepie so might do a bit more of that for a few more pennies. Every little helps. Then I want to watch Hitch-hikers guide to the galaxy later this evening when the kids have gone to bed.

pania

watching happy feet, altogether now...... AAWWWWWWWWWWWWWWWWWWWWWWWWWWW

hypno06

fab film

redsquirrel80

hypno06 wrote: »

Back home and whizzing up a strange sweet and sour pasta concoction - with some turkey breast and some fresh pineapple (friend gave me a pineapple as it was on BOGOF!) for dinner.

rtandon - thank you for the Christmas wishes! Hoping you have a good one too!

Yes, ISOM, chilling I think this evening. I have signed up to slicethepie so might do a bit more of that for a few more pennies. Every little helps. Then I want to watch Hitch-hikers guide to the galaxy later this evening when the kids have gone to bed.

OOooh I've just seen the ad for Hitchhikers, didn't know it was on, fantastic!

Turkey and pineapple pasta sounds interesting!!