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Butti's Journey: A matter of loaf and death

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  • beanielou
    beanielou Posts: 96,217 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Dont invite her again!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Knit_Witch wrote: »
    Hmm did she just not turn up or did she at least apologise at the last minute?

    She sent apologies about half an hour before she was due. She had a 'prang' in her car but I am so tempted to say "Allegedly' after that. I've just said I hope she's alright and left it at that.
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • Knit_Witch
    Knit_Witch Posts: 4,436 Forumite
    1,000 Posts Combo Breaker
    Butti wrote: »
    She sent apologies about half an hour before she was due. She had a 'prang' in her car but I am so tempted to say "Allegedly' after that. I've just said I hope she's alright and left it at that.

    Hmmm, did she have a prang last time as well ;)
    Must use my stash up!
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Knit_Witch wrote: »
    Hmmm, did she have a prang last time as well ;)

    Chronically bad driver :rotfl::rotfl::rotfl:
    No...she was ill ......allegedly!
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • beanielou
    beanielou Posts: 96,217 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Butti wrote: »
    Chronically bad driver :rotfl::rotfl::rotfl:
    No...she was ill ......allegedly!


    Mmmmmmmmm.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    edited 9 May 2015 at 3:45PM
    Well.....been a while since I've been on here.......life is getting in the way.

    The debts are trotting down gently;

    CDL £10,000 = £4668 - 213 = £4455
    MBNA £ 3,450 = £2594 -26 = £2568

    So in total = £7,023

    I'm not particularly worried about the debts. They will get there. I will shift the rump in September to a 0% card and just keep going. The Career Development Loan finishes in Dec 2017 so all debts will be gone by then if not before.

    I'd forgotten how hard this living in your own house, having your own social life and paying down your debts is. I need to get back into NSDs and to charting out my expenditure for the month. The debts are going down though and I've put my claim in for £160 back on the tax on my mileage.

    I'm busy trying to decide whether to stay on here or shift myself across to the Mortgage free wannabee board. The mortgage is making life tight for me but that is no bad thing it's just a case of readjusting and getting back to behaviours that help me, like plotting out the month's spending. My social life continues to get in the way :T:T:T

    By the way....my friends think I'm mad for not buying a bed on credit and are wondering who these friends are who 'won't let me' buy a bed on credit! I think it will be Autumn before I'm off the inflatable.

    The mortgage is down from £92,000 in January to £90,860. 1.3% paid.



    I've moved all direct debits to between pay day on 15th and 1st of the month so that should help too.

    I am feeling incredibly flat at the moment but I think that is not exclusive to me and if I'm honest there was a sense of inevitability about Thursday's results. Rather than a Labour - SNP pact :eek::eek::eek::eek::eek::eek: (what a horrific thought according to Mr Cam!) we have a tory government wedded to austerity and talking about one nation politics and an SNP who are anti-austerity. Frankly I find that slightly more horrific. Interesting but horrific! I'd like to point out at this point that I don't blame the scots for voting for self determination.

    DISTRESSING CONTENT
    On top of that (maybe not my best timing) i went to a crash course on Friday, to teach you about crashes rather than how to cause them. Hard hitting wasn't the word.....more like half an hour trying not to cry. Fortunately I do drive with a seatbelt and I don't use any sort of mobile while I'm in the car but I am susceptible to red mist, particularly at the pinch points on my journey into work where boy racers, 4x4s and particularly the National Express bus try to squash you out of existance. Seems to have done the trick. The image of people being decapitated by their Ikea furniture and a mother who couldn't see her baby after a crash because only his foot still existed, has done the trick. I am now driving with all belongings in the boot or the glove compartment and I'm driving as if I not only want to get home but I want the complete t*sser cutting me up to get home too as he/she has a mother/father/sister/brother/child/husband/wife who would like to see them again. The baby and his father were taken out by a husband checking a text message from his wife saying "Don't forget the milk" (Just utterly Crap).

    So that was Thursday and Friday :(.

    NON-DISTRESSING CONTENT AGAIN

    In "Good" news I've been to see an allotment today. It's bigger than the footprint of my house and completely overgrown. "Have you any smaller than this I asked?" No, that was their smallest. :eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:
    Put an ad on local gumtree for a rotavator or even better a man with a rotavator. I'm going away for a think. Only £24 a year (in money). We didn't cover how much it was in blood sweat and tears! On a positive note, there are some single men there....men of about 80!
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    So the plan for this week is to try and eat the contents of the freezer/fridge and hardly buy anything. Just requires a bit of planning and a bit of cooking, which given the cancellation of tomorrow's jaunt to a stately home should be relatively easy.

    Still haven't decided on the allotment. Going to talk to my friend who used to have one to see how big hers was (ooooer Mrs) and whether she could fit it round her life. A man has got in touch who will rotavate it and give me a price if I give him the dimensions. Am I mad I keep asking myself? (as I only have one voice in my head I am not yet answering myself!)

    Right better go and cut the grass and then work the budget out for the month. Life doesn't get much more exciting than this. :rotfl:

    Note to self - remember the offices have moved on Monday morning :eek::eek::eek:
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • skint_spice
    skint_spice Posts: 13,485 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Butti wrote: »
    In "Good" news I've been to see an allotment today. It's bigger than the footprint of my house and completely overgrown. "Have you any smaller than this I asked?" No, that was their smallest. :eek::eek::eek::eek::eek::eek::eek::eek::eek::eek::eek:
    Put an ad on local gumtree for a rotavator or even better a man with a rotavator. I'm going away for a think. Only £24 a year (in money). We didn't cover how much it was in blood sweat and tears! On a positive note, there are some single men there....men of about 80!

    Any chance you could advertise for someone to share the allotment with you? Preferably tall, dark and handsome but anyone who like you is keen but doesn't have that much time on their hands that they want to devote their entire life to it?
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 96,217 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a couple of frirnds with allotments and they find they take a lot of time.
    They have to be worked to 75% & there are lots of rules.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • judi24
    judi24 Posts: 2,272 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    An allotment sounds lovely - but I guess you need to consider if it will cause you stress if you can't spend the time you need to on it! In my head I would love one - but in reality I love Saturday kitchen more!!! Sharing could be a good option (but not if you end up with a Coronation Scenario!!!)
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