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The whimsical tale of the Waterbed of Debt

edited 3 May 2018 at 9:40PM in Mortgage-Free Wannabe
351 replies 33.1K views
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Replies

  • beanieloubeanielou Forumite
    71.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    You are on a roll Butti :j :j :j :j :j
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 10 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
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    So....


    Debts are down.

    Santander [STRIKE]£1710[/STRIKE] £1560
    Halifax [STRIKE] £204 [/STRIKE] Completely gone .....BYE BYE :T
    Barclaycard [STRIKE] £4256 [/STRIKE] £4161

    Total is £5721

    Both cards at 0%


    Mortgage now down to £ 60,915.65
    Going to be very close at year end but as I've just said yes to solar panels I don't think I will be throwing an extra £300 at it to get it under at year end.

    Quite pleased with it really.

    Using up the food I got for my recuperation from hospital. So have got some frozen mince and a bag of peppers and have had buritos. Will have the rest tomorrow - may try for an NSD. Have inspections in the morning and the office in the afternoon. If I have an NSD it will encourage me not to get pizza in the village from outside the pub and go in the pub to eat it. NO!!! Don't do it.

    Today I've been to Yoga, which is much like your physio Beanie. Today I didn't cry but I did say "F*ck" quite a lot under my breath particularly when trying to hold a pose and hold a fart!! My lower back has really suffered from lack of yoga so I suspect I will be walking like something off a David Attenborough documentary tomorrow (NOT the lizard escaping the snakes though!)
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    [STRIKE]35%[/STRIKE] [STRIKE]35.4%[/STRIKE] 40.1% 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
  • beanieloubeanielou Forumite
    71.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Hold a fart :rotfl:

    Debts looking just fab :j :j
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 10 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • edited 21 November 2018 at 10:42PM
    ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
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    edited 21 November 2018 at 10:42PM
    beanielou wrote: »
    Hold a fart :rotfl:

    Debts looking just fab :j :j

    Thanks Beanie.
    Not always easy to hold in a fart - you try to ease it out and it squeaks - not good! Worst one is when you are doing a circuit class with various bases and somebody has to come to your base just as a mushroom cloud is developing. I've had that situation with aforementioned "NORTHERN FRIEND" and we just both p*ssed ourselves laughing.

    Anyway away from this toilet humour.....interesting day tomorrow. We've lost the documents for a property we are managing. I'm saying "Do you remember what you did with them?"
    "Yes, I gave them to you"

    Impending feeling of doom

    (and I'm not allowed to say "Why didn't you take copies" - seriously, who trust ME with their only copies of documents).

    Never mind.....I managed to get through the last day like this without stabbing someone in the back of the head with a sharp pencil so I can do it again I'm sure

    :D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D

    Lets work on perfecting my manic smile!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    [STRIKE]35%[/STRIKE] [STRIKE]35.4%[/STRIKE] 40.1% 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
  • ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
    ✭✭✭✭
    Just looking at whether I achieved my new years resolutions;

    1. Pay off at least two credit cards and try to pay off the third - better
    2. At least weekly yoga
    3. At least weekly meditation, preferably daily
    4. Reduce mortgage to under 84.5k (bloody keyboard has no pound sign!)
    5. Learn to swim Young Man - more than breast stroke!
    6. Work through the Chimp book - try to pull my Chimp back a bit.


    It appears these were for 2016!!! (typed on a pc in a San Francisco hotel!) haven't put any up since then - which kind of makes me think I am doing something right.

    It may have taken some time but the answer is now;
    1. Yes
    2. Yes
    3. Daily
    4. Under £61k
    5. Will try again in 2019
    6. Moved on from this on to a broader programme

    This has made me feel very positive. Speaking of meditation.....
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    [STRIKE]35%[/STRIKE] [STRIKE]35.4%[/STRIKE] 40.1% 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
  • ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
    ✭✭✭✭
    I could do with having a slightly more positive outlook.
    Today went much better than expected.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    [STRIKE]35%[/STRIKE] [STRIKE]35.4%[/STRIKE] 40.1% 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
  • beanieloubeanielou Forumite
    71.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Butti wrote: »
    I could do with having a slightly more positive outlook.
    Today went much better than expected.

    So could I.
    Glad that today went well :)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 10 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • edited 25 November 2018 at 12:02AM
    ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
    ✭✭✭✭
    edited 25 November 2018 at 12:02AM
    So today I have been out with friends.
    A cocktail for charities day (what's not to like!)
    My friend had two, I had three - she is much wiser than me and has a much better ability to say no!

    Nevertheless I came to the conclusion halfway through the night;
    - I have a job
    - I have a life
    -Committee social activities are insignificant to both
    - There is no reason to worry about ANYTHING related to these.

    Why am I worrying about things that are irrelevant really!*

    * I have had a horrible letter in the real world that has told some home truths (that are hard to swallow) and has painted some actions in a darker light than the truth.
    I need to have a think, to rebut where necessary and to move on.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    [STRIKE]35%[/STRIKE] [STRIKE]35.4%[/STRIKE] 40.1% 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
  • ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
    ✭✭✭✭
    * I have had a horrible letter in the real world that has told some home truths (that are hard to swallow) and has painted some actions in a darker light than the truth.
    I need to have a think, to rebut where necessary and to move on.

    Or maybe not rebut. Maybe just move on
    Debt LBM (08/09) £11,641. (08/12) £22,734. (9/19 )£3221
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    [STRIKE]35%[/STRIKE] [STRIKE]35.4%[/STRIKE] 40.1% 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
  • beanieloubeanielou Forumite
    71.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Butti wrote: »
    * I have had a horrible letter in the real world that has told some home truths (that are hard to swallow) and has painted some actions in a darker light than the truth.
    I need to have a think, to rebut where necessary and to move on.

    Or maybe not rebut. Maybe just move on

    Just move on I think.
    Easier said than done.
    You are worth more than that.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 10 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
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