The whimsical tale of the Waterbed of Debt

Butti

So....everytime, just about, that I go to the bank they are pushing about whether I do banking online.....and probably about as regularly there is a feature about people who do online banking being defrauded of thousands of pounds. Today they were featuring the TV licensing fraud on a fake website. Then I go in the bank and they are like "Why don't you do internet banking?"

and I'm like :eek::eek::eek::eek::eek::eek::eek:

Scaffolding up today, in less than an hour, very impressive.
Less impressive was my lack of any 'normal' sugar for their tea - demorara and caster! :rotfl: Do other people have sugar?
You can see - the reduction in sugar intake is going well.

Tomorrow solar panels.
May go for some alcoholic anaesthetic tonight.

beanielou

Butti wrote: »

So....everytime, just about, that I go to the bank they are pushing about whether I do banking online.....and probably about as regularly there is a feature about people who do online banking being defrauded of thousands of pounds. Today they were featuring the TV licensing fraud on a fake website. Then I go in the bank and they are like "Why don't you do internet banking?"

and I'm like :eek::eek::eek::eek::eek::eek::eek:

Scaffolding up today, in less than an hour, very impressive.
Less impressive was my lack of any 'normal' sugar for their tea - demorara and caster! :rotfl: Do other people have sugar?
You can see - the reduction in sugar intake is going well.

Tomorrow solar panels.
May go for some alcoholic anaesthetic tonight.

All happening Ms B

have to say i love internet banking.

Butti

Ok ...it's me!

Question: if I find a £20 note in my own home presumably I can't spend it and claim an NSD.

beanielou

Butti wrote: »

Ok ...it's me!

Question: if I find a £20 note in my own home presumably I can't spend it and claim an NSD.

Of course:p:D

Butti

Solar panels fitted today. Which means the front door and the loft hatch have been open for most of the day - bloomin nithering.
Going out tonight aswell for African drumming session so I'll have to try and get warm in the car so that I don't cool down too much on the tram! Drumming only £5 - it's a bargain.

Going to get another Butternut squash so I can do another curry. Will put the recipe up - it was very good with few ingrediants.

beanielou

Happy new solar panels :j :j
Enjoy the drumming
I have a wee vision of you doing in

Butti

So......

I called this Thread "The Waterbed of debt" because in the absence of stellar budgeting skills (which believe me are absent).....I pay a bit more off / push down on one end of the bed and see the other end spring up.

Plus as some of you will have noticed I am partial to the odd holiday or two.....or three! Oh dearie dearie me!

So today :T:T:T:T:T:T:T:T:T:T I have hit 35% of the mortgage paid off . Paid off in 4 years
:T:T:T:T:T:T:T:T:T:T:T:T

That bit is going well

....and then there's the cheque for tax for one tax year

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

£497
Pretty pleased with that too.

That is going to be divided between;
Barclaycard (lets pay off the bit they are going to charge me interest on)
Mortgage
A bit of a boost to savings as I pay the next bit of my solar panels
Deposit on a holiday **

So that's the good news :T:T:T:T:T:T:T:T

I also said I was going to treat myself when I got under the next £10k on the mortgage. Mortgage now at;

£59,804*

Not going to catch you though Beanie.....you miracle worker :T:T:T

So where's the bad news :rotfl:
As the tax repayments, mortgage payments and credit cards are pushing down :beer: the overdraft is pushing up. Made it up to £1k this month, which is too high.

So......a few more NSDs for me I think (today and possibly tomorrow) and a bit more staying in with the beer I have already got :beer: and using the voucher when I do go out.
Guess it was December though. It's a bit of a :eek::eek::eek::eek::eek::eek::eek::eek::eek: month for everyone.

* am allowed a little treat for cracking the next £10k - so am going to buy a bra, which with the reward scheme they run at the shop means I can get another one for free (I think this has taken be about 10 years to get to this point!)

** £50 - I've not gone mad!

beanielou

Great news on the mortgage :j :j :j

Life is for living so holidays are good.

You know what to about the OD so all good

beanielou

Oh & a bra!!
Is that the best you can do :rotfl: :rotfl:

Butti

beanielou wrote: »

Oh & a bra!!
Is that the best you can do :rotfl: :rotfl:

I thought that was very moneysaving Beanie "2 for 1" and all that jazz!