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Butti's Journey: A matter of loaf and death

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  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Ticking 'Thanks' seems somewhat inadequate!!!!
    Will certainly bear it in mind Snagggles. I think a serious Gumtree list is coming on.

    Right wish me luck. I'm venturing into the garage for a while. Mantra must be 'Clear...clear...sell...clear'.
    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
  • niccatw
    niccatw Posts: 3,096 Forumite
    Part of the Furniture Combo Breaker
    Butti - have you surfaced from the garage yet? I hope so! I'm way behind the times so off to flick back some pages and find what's going on *lapses into tunless murder of Marvin Gaye's song of the same name*
    Jan10: 28,315.81 Jan11: 18,015.32 Jan12: 7,682.58 Jan13: 2,987.73 Current debt: 1,225.55
    HFC [STRIKE]1896.10. [/STRIKE] 225.55 SLC2 [STRIKE]5123.34[/STRIKE] 0 Others [STRIKE]2085[/STRIKE] 1000 Bcard [STRIKE]1172.60[/STRIKE] 0

    Mike's Mob
  • niccatw
    niccatw Posts: 3,096 Forumite
    Part of the Furniture Combo Breaker
    Oh my. Not much going on for you then Butti!!!! If I wasn't assuming you'd gone into the garage up North, I'd be asking who you were in the garage with and just how large a T-shirt collection do you have anyway!!!

    Somewhere over the last few pages I had some ideas but they'll probably all be out of date now...

    Borrowing from family - yes! You know I did it and it worried me much more than any of the money I owed any of the banks! But as every-one has already said, it turns out my family wouldn't have had it any other way...

    Did you have a chat with your Dad? Because the other thing I was thinking if you haven't, is, what about credit unions? Snaggles might have more proper advice than me? I just know there's one advertised on my payslip regularly and I keep meaning to look in to what they offer - so I thought I'd throw it in to the mix.

    You are doing so many things at once Butti, it's no wonder it gets overwhelming. And I know how never-ending it can feel. Do remember to make time to look after you too. Reading your pages so closely together, I saw one wee phrase a lot, "I'm tired". You are doing a lot at work, a lot at home, a lot of travelling, a night class... I know how hard it is to slow down - especially when you've so much going on. But try and find one, wee quiet thing to do each day that's just for you - look through your mum's recipe book, or stare out the window at the view, watch a crappy movie and shout at the telly... whatever it is, you're allowed and it's important for your sanity! Do it!

    Big hugs :)
    Jan10: 28,315.81 Jan11: 18,015.32 Jan12: 7,682.58 Jan13: 2,987.73 Current debt: 1,225.55
    HFC [STRIKE]1896.10. [/STRIKE] 225.55 SLC2 [STRIKE]5123.34[/STRIKE] 0 Others [STRIKE]2085[/STRIKE] 1000 Bcard [STRIKE]1172.60[/STRIKE] 0

    Mike's Mob
  • Aww bless you niccatw - sadly, most of my knowledge is useless (because it relates to Scots law) or out of date (because I haven't worked in the English financial sector for a few months and things change so rapidly). :o

    With credit unions though, you usually have to save (I think typically for 3 months, but I'm not certain about this) before you can borrow, so they might not be suitable for obtaining funds in the immediate future. Could be worth a look though.
    I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.
    The pain you feel today is the strength you feel tomorrow.
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Thanks Nic. Unsurprisingly I AM TIRED again. Today (technically yesterday!) I;

    let the wardrobe man in and made him a cup of tea
    applied sealant to the join behind the sink
    tidied the front and back garden up
    cleared two bedrooms
    cleared up the mess left from fitting a new wardrobe
    cleared the balcony
    cleaned the front door
    Hoovered throughout
    Staged three bedrooms
    Cleaned and cleared the kitchen
    Cleared the living room.

    Worth it though. Tomorrow the agent will do the photo's. Must go to sleep (am still in my clothes!!!)
    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: 13,451 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No wonder you're tired! But well done!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    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: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Amazing that you got all that done.
    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
    Thanks Beanie.
    In a room surrounded by stuff...Feel like I'm drowning slightly.
    Right...what do I do with a flirtaceous landlord who I find attractive and whom had a heart attack about 3 months ago!??
    B x
    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
  • I'm sure he will have had medical advice and is a grown up ...

    Why not er, show him your t-shirt collection??
  • beanielou
    beanielou Posts: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I'm sure he will have had medical advice and is a grown up ...

    Why not er, show him your t-shirt collection??

    Splutter :rotfl:
    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.
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