Butti's Journey: A matter of loaf and death

beanielou

A wee snoopy dance indeed :j :j

ZTD

Butti wrote: »

I was going to give it a catchy title like "We're all doomed" but my supervisor didn't think that was a statement that could be supported by the research (not at this stage at least).

We're always about to be wiped out by something. Until something else comes along and that imminent doom is replaced by some other imminent doom.

gottogo wrote: »

(I love the NHS btw, apart from the awful piped music at my GPs).

Hasn't that sort of thing been banned by UN convention? Especially [STRIKE]music[/STRIKE] noise featuring One Direction?

Butti wrote: »

Butti comes home to a £188 Council Tax refund...:j
Does a little Snoopy dance.

With Woodstock, the kennel and everything? :T

Butti

ZTD wrote: »

We're always about to be wiped out by something. Until something else comes along and that imminent doom is replaced by some other imminent doom.

I still check over my shoulder to see if I am about to be run over by a giant Dougal :eek: (Apologies - Cultural reference lost on our younger readers).
Haven't done everything I want to do today but not doing badly.
Debts not looking bad :T Blood pressure looking good :beer:

So to the reverse snowballing * exercise



Debts

Then APR Now
Dad 7000 0
Friend 280 0
CDL 10000 7 8617
HSBC 4400 19 4400
Halifax 1430 14 1430
Virgin 3000 0/32 2662
M&S 1188 6.5 1188
O/D 1800 18 1800
29098 20097

So hopefully you all know this. I should pay off the O/D and HSBC first. But we all agreed paying my dad off was a good idea for a quiet life and paying my friend off was my priority. Today I've also paid in the council tax refund and put that payment straight on to the Virgin card (this is the one that is 0% but jumps to 32% in May).

So what do I have coming in next?
A loyalty payment from my gas and electric supplier which should be around £200 which will also be going to the Virgin card.

The company owe me £708 for my removal expenses. That will be coming off the HSBC balance.

I also have an unallocated £500 from the balance of the mortgage which is going into a pot called 'rebuilding the car'. The garage are going to wire brush and coat the underside of the car next week. Slightly terrified that they will wire brush the sump and the engine will fall out!:rotfl::rotfl::rotfl:

Future payments
I'm hoping - we shall assess how I manage based on this month, to pay off about £800 a month which should be doable.

HSBC 18% £303
Virgin 0/32% £230
Halifax 14% £25
CDL 7% £212
M&S 6.5% £30


May pay just above minimum on the smaller amounts so that 'minimum payment' disappears off my credit report entirely.

Work going well. Being sent out to negotiate "I have confidence in you" says my boss. I have to resist the temptation to shout "You fool".

Right the aim for the weekend is
Clear some boxes

Hopefully by the end of this weekend I should be able to see my feet when I am standing in my bedroom.

Right off to practice with the sign language girlies

* Don't look up the definition on the net - nothing to do with finances, although on second thoughts people probably pay for this somewhere!

** That hasn't worked very well has it. Will need to insert some tables methinks.

ZTD

Butti wrote: »

I still check over my shoulder to see if I am about to be run over by a giant Dougal :eek: (Apologies - Cultural reference lost on our younger readers).

With the magic of youtube...

Actually, watching that reminds me I need a haircut...

Butti wrote: »

Haven't done everything I want to do today but not doing badly.

You're doing better than me then.

Butti wrote: »

Debts not looking bad :T Blood pressure looking good :beer:

:T

Butti wrote: »

I also have an unallocated £500 from the balance of the mortgage which is going into a pot called 'rebuilding the car'. The garage are going to wire brush and coat the underside of the car next week. Slightly terrified that they will wire brush the sump and the engine will fall out!:rotfl::rotfl::rotfl:

Don't you have a Yaris? If that happens just strap in an old hairdryer and you'll get sparkling performance from it. Only downside is a larger than normal exhaust. See local charva for details...

Butti wrote: »

May pay just above minimum on the smaller amounts so that 'minimum payment' disappears off my credit report entirely.

Sounds like an idea.

Butti wrote: »

Work going well. Being sent out to negotiate "I have confidence in you" says my boss. I have to resist the temptation to shout "You fool".

Perhaps all you need is for you to have confidence in you...

Butti wrote: »

Hopefully by the end of this weekend I should be able to see my feet when I am standing in my bedroom.

Because you'll have found your sports bras?

Butti wrote: »

* Don't look up the definition on the net - nothing to do with finances, although on second thoughts people probably pay for this somewhere!

Now I said that once, and everyone raced off to look it up... :eek:

Butti wrote: »

** That hasn't worked very well has it. Will need to insert some tables methinks.

Use courier - it's monospaced.

Butti

You are very cheeky Mr Z. My boobs are perfectly proportioned and in the right place!!!! I have pm' d you so message me if you haven't got a message.

Looks like an NSD today....washed the car myself so I could achieve it. Good night out last night which appears to have cost me £7 - bit of a result. Didn't get to bed till 3am so have to have an early night tonight.

Also cleared 4 boxes (you listening Z?) so I can see the floor.

Right bags to make. Card to send for Bruv's birthday.

B

ZTD

Butti wrote: »

You are very cheeky Mr Z. My boobs are perfectly proportioned and in the right place!!!!

In my world that would definitely mean you can't see your feet!!!!

Butti wrote: »

I have pm' d you so message me if you haven't got a message.

I've got your message, and I'll send details later when I've found stuff.

Butti wrote: »

Also cleared 4 boxes (you listening Z?) so I can see the floor.

I'm a-listnen...

Butti

What a day!!
Went to open a rewards saving account. My head is spinning as a result!

I tried to take out £500 to open the account. Over my daily limit. Took out £300. Go to Post Office. Had to write a cheque as the minimum deposit was £500. Then they weren't too happy with my ID as the addresses don't match (yes...you remember that house sale thing!!!) so I had to write another cheque for £200.

Got back to the bank and had to remember to put £300 back in to the current accou.t ready for the cheque. May still have money to move but need some statements and a clear head first. Bloody money laundering!!!!

Butti

Definately NOT an NSD today. BUT did have on my list to buy a pair of black boots and have found a lovely pair with furry insides which will be great for northern expeditions. Now to find a situation I can use them in

Only thing left on my list now is Colin Firth in that DVD.......oh and a house.......and a car with a solid base.
Not much then!


p.s. Boots reduced of course!

elantan

i'm sure they will come in handy this weekend ... looking forward to wrestling with you over taking turns doing wheelies

ZTD

Butti wrote: »

Definately NOT an NSD today. BUT did have on my list to buy a pair of black boots and have found a lovely pair with furry insides which will be great for northern expeditions. Now to find a situation I can use them in

And apparently snow is forecast for up here. But not much, so everyone is:



Apart from those people from down South...

Butti wrote: »

Only thing left on my list now is Colin Firth in that DVD.......oh and a house.......and a car with a solid base.
Not much then!

A couple of bags of cement will stiffen up your base.

Butti wrote: »

p.s. Boots reduced of course!

Does that mean they're tight?

elantan wrote: »

i'm sure they will come in handy this weekend ... looking forward to wrestling with you over taking turns doing wheelies

Wrestling and wheelying Colin Firth? Is that a euphemism for something?