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The whimsical tale of the Waterbed of Debt

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  • beanielou
    beanielou Posts: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy the dark beer :beer::beer:& the chocolate & take it easy!!
    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
    Last week one of the neighbours 'fixed' the back fence. Nobody delivered a replacement but he has wedged something underneath it and put the damaged panel back in. So its been sort of fixed for the moment.

    Very kind of the man at the back.
    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: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the fence Butti :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: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh sorry Butti, how are you?
    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
    beanielou wrote: »
    Oh sorry Butti, how are you?

    Still feeling really tired Beanie. Better in the afternoons, really crap in the mornings. Hope this is not just a continuum.

    My Bimuno has arrived so I hope that makes a difference. It's a pre-biotic.

    In other news I have switched energy supplier to the Octu!!!!y one (oooh it doesn't like that one - the one that Donald Trump grabs with 8 hands!) Going to save me £17 a month, which is not an insignificant amount. Was tired of EDF just keeping increasing.
    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
    Was feeling quite depressed.
    Feel very tired and unmotivated. Had read articles where it is usual for Dr's to provide thyroxine in the form T3 not in the form T3 with T4. This leads to weight gain. I feel like I am already gaining weight.

    It now turns out I know 2 women who have had their thyroids removed entirely and one of them has a friend who has had 3/4 of her thyroid removed. She said initially she gained weight but once they had sorted things out after a few months she lost it again.

    I need to know what my levels in my blood tests are for TSH (thyroid stimulating hormone) and T3 and T4. My understanding is T3 should be 20% of T4 levels and you need both. T3 converts T4 into the active type of T3. Hope I've got that right. I need to do some reading before I go and see the Dr on Monday.

    Should probably not go to the pub this afternoon but there has to be some joy in life.
    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
    edited 6 October 2018 at 1:42PM
    I've been doing an Emotional Literacy exercise on weight.

    EL is about how nuanced (perceptive) you are about your emotions and how well you deal with them. 'Normal' people have an emotion and process it and move on. People like me, who have issues with particular emotions (mainly sadness, fear and anger) try to step around them and avoid them. We then watch them build up and manifest in depression, eating disorders, overspending and other such fun things. ;)

    So every day I get a subject; something that has happened that day or something from the past and break it down. So todays topic is weight. This is a subject about which I have no happiness, joy, surprise or love. Actually I have recently just got on with life and ignored it and it has stayed the same for the past 21 years so that has worked. I suspect we are in for a bit of a wobble in the next few weeks /months.

    Prior to the last 21 years it was a bit of a hot potato (one with no butter on you understand :rotfl:)

    So from the bubble in the middle of the page marked 'weight' we* extrapolate strands out with the emotions;
    anger
    fear
    sadness
    shame

    All good stuff - I told you it was a hot potato

    More strands come out of these. For me;

    Anger - rejection, frustration, exasperation
    Fear - scared - worried, inadequate
    Fear - anxious - failure, insignificant, worthless
    Sad - depressed, lonely, isolated, despair
    Sad - shame - guilt, dejection

    So in writing it down you start to gently process these emotions.

    You also get to sit and ask some philosophical questions about what the belief systems were in the family that led to these.
    I've written down twice
    No weight is perfect

    So in realising that the weight I am at is never perfect, I realised two seconds later that dieting myself out of existance was also a good thing at the time in my head.

    The other belief that is reinforced by this was;
    I was never good enough

    So you can see if you can't process it doing this exercise helps.
    As does my mantra

    I do not need to be perfect. Good enough is more than enough for me

    * Oh look, I suddenly think I'm royal!
    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
    edited 10 October 2018 at 11:03AM
    So....

    mortgage amount has not changed. It will change on 20th of the month.

    Debts are down.

    Santander £1710 (DD £150 per month)
    Halifax £204 (2 big payments needed)
    Barclaycard £4256 (paying down at £100 per month)

    Total £6070

    Halifax is at 22%. The others are 0%.

    Jobs for tomorrow.
    Get signed off for one more week and request blood test results, not just "They're okay".
    Get calcium and vitamin D supplement.

    Need to make sure I do not take calcium at the same time as iron. Take one in the morning, one in the afternoon /evening. Seems they don't like each other - who knew :T
    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: 95,974 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Debt will soon be in the 5's :j :j :j :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
    Part of the Furniture 1,000 Posts
    beanielou wrote: »
    Debt will soon be in the 5's :j :j :j :j :j

    Yes, and in about 3 months the mortgage will be in the 50's :j:j:j:j:j
    Quite happy with 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
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