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The whimsical tale of the Waterbed of Debt

edited 3 May 2018 at 8:40PM in Mortgage-Free Wannabe
353 replies 33.4K views
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  • beanieloubeanielou Forumite
    73.5K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Go for it girl :T
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 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.***
  • skint_spiceskint_spice Forumite
    11.3K posts
    Part of the Furniture 10,000 Posts Photogenic
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    I don't believe in cars... well you are sitting in it so therefore it exists!
  • ButtiButti Forumite
    5K posts
    Part of the Furniture 1,000 Posts
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    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. (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
    73.5K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    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
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 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.***
  • skint_spiceskint_spice Forumite
    11.3K posts
    Part of the Furniture 10,000 Posts Photogenic
    ✭✭✭✭✭
    Well done you on the money front and that holiday sounds fantastic!
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • ButtiButti Forumite
    5K posts
    Part of the Furniture 1,000 Posts
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    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. (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
    73.5K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Enjoy Butti :D
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 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
    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. (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
    73.5K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Sounds promising to me Butti!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 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
    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. (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
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