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The whimsical tale of the Waterbed of Debt

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  • beanielou
    beanielou Posts: 95,955 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Go for it girl :T
    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.
  • skint_spice
    skint_spice Posts: 13,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't believe in cars... well you are sitting in it so therefore it exists!
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    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)
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Still trying to sort my self assessment tax out. Have had two goes and not managed it. Is there any help on here for it?

    I am also still claiming money :beer:

    Have sent off a letter from dfs to Santander regarding Plevin, so may get some money there! Have also sent my stuff off for the solar panels so that is awaited. Just the tax to crack!

    In good news;

    Balances
    Barclaycard 3161
    Santander 60

    So Santander will clear in about 10 days and take £90 less to do so.

    Also in good news; the second offer to reduce my mortgage interest has come through, so both loans will soon be on 1.64% fixed for 2 years. I am going to up my payment to £800 in November and the interest will go down to about £74 so I will start clearing about £726 a month.

    The bad news; because I haven't managed to do my tax yet I will have about £400 for a two week holiday in Cambodia & Vietnam. I've paid for the flights, accomodation, temple admission and we're at a retreat for about 5 days with no mobile, no coffee, and lots of yoga and meditation. I then go to stay with my cousin for the weekend so it's not exactly looking like an expensive holiday. I am going to get a 'spending card' in the next week for the holiday, just to cover myself.
    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: 95,955 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, Butti, it is all happening :)
    So close to one card.
    A great mortgage deal on the horizon & a fantastic holiday to look forward too :D
    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.
  • skint_spice
    skint_spice Posts: 13,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done you on the money front and that holiday sounds fantastic!
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    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)
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Have done my tax return

    You may pass Go
    You may not collect an enormous fine for not doing it
    It even looks close to what I was expecting

    YAY !!!!!

    Now going to the pub, because I BL**DY deserve it.

    :T:T:T:T:T:T:beer::beer::beer::beer::beer::money::money::money::money::money::beer::beer::beer::beer::beer::T:T:T:T:T: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: 95,955 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy Butti :D
    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
    Butti wrote: »

    I like someone in the pub. Have established that he's not gay, have established that the woman i thought he might be going out with is a friend. ALL GOOD!
    Have also established today that aswell as being a gemini (like me), he may be a chronic procrastinator (like me!) with a messy house (like me!) and possibly a messy head!
    Hmmmm!

    So tonight rather than cycling off into the sunset. He has waited with me until the bus turned up.

    I never know how to read these things!
    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: 95,955 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds promising to me Butti!
    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
    Bye bye Santander.....off you pop :T:T:T:T:T:T:T:T:T:T:T:T:T:T: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
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