Hypno's "bursting with energy" diary.......

hypno06

I know that things are going ok, but it still feels as though we are swimming through treacle - and I am sure you all know that feeling!!

Like I say, I *know* that improvements are being made......the debt total is coming down.......and for the first time in months there has been the ability to overpay a small amount......and with selling the car in a couple of weeks and stuff, we should really make that progress.

I have to say I am (sadly) looking forward to 1st July - the next two weeks can't come quick enough!!! Why? Because I clear the first of our loans and I want to update my snowball!!!!

slowlyfading

When the loan is cleared, how much will you have free a month to put on other things? I really do think that you'll be able to pay more than £20k off this year at the rate you're going!

hypno06

This particular loan payment is £196.75 - so it will initially go towards the next debt to try and get something else down quicker (not sure what yet!), but it also means that in a really lean month we could use that money to pay "other" bills or put food on the table etc, so it does give us a bit of a choice.

Obviously, though, first choice is for it to go towards another debt.

As for paying off more than £20k - it would be nice, but I think I stick to the £20k target just for the moment...........:cool:

OberonSH

That's great - having the option to overpay, or just knowing the cash is there in case something pops up (as it invariably does). I think you're doing really well, and I'm proud of you lol

I know what you mean about wanting the next payday to come - great, isn;t it, when instead of 'OMG I want next payday I'm skint' it's 'OMG I want next payday so I pay off my debt' lol.

hypno06

Thanks obi - I just read on your diary about your !!!!!! day......I hope things get sorted soon hun x

Just listed a couple more things on amazon, and OH car is loaded up ready for the car boot!

Keeping_Motivated

Hi Hypno

In case you haven't seen it and I presume you are with pigsback, there is a comp on Zoflora (5pp click through) then 10 points if you enter the competition and the prize is... Wait for it.... A cleaner for a YEAR!!!

I would lurvvve to win that but I think people on here would agree with me that you deserve to win that so get entering and good luck, you never know you seem to have had a winning streak with the bingo in the past.

KM x

hypno06

LOL, I found that comp last week and entered it - my dream prize!!!

elantan

i'll keep my fingers and toes crossed for you ...i think you deserve to win

taxi73

You are making great progress and having the choice of how to use that loan payment can only be a relief...I entered that one too...it would be great if you won it..you'd be in 7th heaven..lol

hypno06

Hi Taxi! It would be fab if someone from DFW won it, wouldn't it!!

Fingers crossed, all round!!