The whimsical tale of the Waterbed of Debt

Butti
Butti Posts: 5,014 Forumite
First Anniversary First Post
edited 3 May 2018 at 9:40PM in Mortgage-free wannabe
Ooooh so close....so very close.

So I've decided it is time to move on to the next chapter.

The whimsical tale of the waterbed of debt is a metaphor for my debts. In a few days time (when I'm back from Milan - how appropriate!) I shall start detailing how my debts have gone down a little and my mortgage is doing quite nicely but how pushing down too enthusiastically can result in other bits popping up.

This is the story of how difficult I find it to cut down on all areas and not to suffer rebound in other areas. Keep having acid reflux in yoga too!

It will also have a bit of psychobabble.

.....and a bit of whimsy.

BUT FIRST :T ironing in preparation for Milan. A trip which has free travel :j and free accommodation :j . I just need to remember not to strangle my friend after four days if she is catastrophising too much or generating too many black and white arguments.

And so ....to the ironing :D
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
«13456737

Comments

  • beanielou
    beanielou Posts: 90,223 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Happy shiny new diary.
    Will be along with you on your journey :)
    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.
  • JennyP
    JennyP Posts: 1,067 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    Happy shiny new diary.
    I love psychobabble!
  • MatyMoo
    MatyMoo Posts: 3,165 Forumite
    Name Dropper First Anniversary First Post
    New adventures are always good! As always I will be cheering from the side lines ;)

    Isn't psychobabble one of Mike's Mob???
    :j Proud Member of Mike's Mob :j
  • Butti
    Butti Posts: 5,014 Forumite
    First Anniversary First Post
    Well I think today should start with getting a grip on what my debts actually are and planning for what we are doing to bring them down with the mortguage. £400 in mileage this month so that will need to go somewhere NON-fluffy.
    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
    First Anniversary First Post
    edited 11 May 2018 at 7:08PM
    :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

    If you look at the signature strip you will see that 3 years ago my credit card debt was £19 more than it is now. £6.33 a year. Really good. :beer: (yes maybe that's the problem)

    Mortgage £ 64749
    I have nearly paid off 30% in just over 3 years :T


    Credit cards :(
    Barclaycard £4656 @0%
    Halifax £1574 @22%
    Santander £ 314 @0%
    Tesco £1227 @21%

    Total £7771

    So looking at the above. I think I should throw my mileage payment and my lack of car loan payment at the Halifax card.

    I'm hoping Santander may throw an offer in my direction in the next month and I will transfer.

    Going to sit and do half an hour of meditation and then go to the pub (because clearly I never learn!) They have cans in at the moment that you can colour in and I like colouring it......that's enough reason isn't it?

    I am following a course called the 'FIRST AID KIT' by a guy called Richard Grannon. He is an NLP practitioner specialising in narcissism and cluster B personalities. The half hour meditation and the course aims to repeat positive messages to my subconscious in areas where I am weak. For me this could be described as being able to say no, being able to do conflict without emotion and being allowed to express anger. So basically, you work at building up those areas where you are vulnerable.

    Milan was fun :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
    I'll tell you about it another day. An example of another person who likes to burn their bridges! I forsee an arguement with that friend where she tries to persuade us that she is right and we are wrong / her needs are greater than ours / she's a star and our job as planets are to revolve around her. I'm quite looking forward to it actually because all the above are irrelevant if she hasn't fully cracked getting on an aeroplane without her friends, her friends that she has just really really p***ed off!
    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: 90,223 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Enjoy the colouring in at the pub :)
    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
    First Anniversary First Post
    So £600 paid off Halifax today. Tomorrow will check out if I can transfer the rest to 0% on a Barclaycard offer. Mortgage comes out on 20th so shall see what has happened to the amount of interest then.
    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: 90,223 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Good news on the Halifax :j :j
    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.
  • beanielou
    beanielou Posts: 90,223 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    P.S. Colouring in looked fab :j :j
    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
    First Anniversary First Post
    beanielou wrote: »
    P.S. Colouring in looked fab :j :j

    It's always good to have you along for the journey Beanie. You are such a positive life force to be around.
    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
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