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The whimsical tale of the Waterbed of Debt

edited 3 May 2018 at 9:40PM in Mortgage-Free Wannabe
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  • ButtiButti Forumite
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    Back pain might be shingles! :j:j:j:j
    Have to wait and see AND cancel all engagements for this week. Ah well, will save some money!
    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
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    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Shingles:eek::eek::eek:
    Why are you :j:j:j
    I am confused.
    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
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    I'm not really, it's more like an "Oh joy" response. An example of how well sarcasm translates in print!
    Just think the dr has added up 2 + 2 and come to 5.

    So I have pins and needles in my fingers
    Pain in my toes
    Pain in my back

    If you are hypothyroid
    The first points to a calcium deficiency
    The second points to a B12 deficiency
    Both of these are common to hypo-thyroid
    The third could be a pulled muscle/appendix/pleuracy/slipped disc/referred pain.

    So my doc has gone - you have pins and needles and some pain, you have a red patch on your back. Shingles starts as a red spot and spreads. She has completely ignored the hypothothyroid element.

    I REALLY REALLY REALLY hope it is not shingles. I have a 60th birthday do to go to on Saturday. There will be people there I have not seen for 15 years. If it is shingles I won't be seeing them at all!
    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
    72.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    So hoping it is not shingles.
    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
    Tenth Anniversary 1,000 Posts
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    beanielou wrote: »
    So hoping it is not shingles.

    I think it's shingles! The good news is it's harder to spread than I thought. Spots are only on my middle and they are scabso so provided I don't wear a cropped top and swish a brillo pad across my six pack nobody is going to catch anything.

    Pain in the fingers is a bit of a nightmare 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
  • ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
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    We've also found out that i have vitamin D deficiency, of which pain in joints is a symptom. It appears the NHS does not treat this! They have provided me with a list of Vitamin D sources which have immediately been dissed by the internet forum for vitamin d deficiency. If I just take a shedload of vitamin D, it seems there are issues with the deposition of calcium, so I also need to also take Vitamin K, magnesium and Boron. The NHS reckons I just need vitamin D. I think I'm going to rattle.
    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
  • edited 12 June 2019 at 8:58AM
    ButtiButti Forumite
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    Tenth Anniversary 1,000 Posts
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    edited 12 June 2019 at 8:58AM
    Had a letter through from the bank. My mortgage deal is 5 years old, strangely living in my house is only 4 and a bit years old! So currently I have two mortgages and the bigger one is on 3.8% and the £6k one is on 4%.

    The house is worth about £151k and the outstanding loan by July will be about £54k. So for loans of 60% of the value of the house I can get a rate of 1.84%. Hugely better than what I am on right now!
    I have two plans, they depend on my saving ability.

    1. Both start with a 2 year mortgage based on me paying £800 per month, this will be an overpayment of around £300 a month and the interest will drop by about £100 per month. This overpayment can start in about September because I will have cleared one credit card.

    2. One is to save a bit (don't you love a specific plan!) over those two years and to take a mortgage holiday for a year. That holiday would pay for a new kitchen

    3. The other is to add the kitchen to the mortgage in 2 years time. This will increase the value of the house. I'm thinking my budget will be about £10k. I don't mind putting cabinets together, tiling and painting.

    4. For this plan to work I really need to get on and claim my tax back. I should have a number back from them now. Instead I just have multiple phone messages 'from HMRC' telling me that if I don't press 1 they will be issuing a warrant for my arrest :T:T:T:T

    I know who will be fitting the kitchen. I was trapped in the corner of the pub on Sunday after a walk, with his ex-girlfriend crying on me.
    :o I was shooting raised eyebrows at him in a very British way. As you will gather I AM the person to come to if you need comforting over your feelings. I regularly write mine down just to identify what the hell they are. He will do a good job at a reasonable price and he's already told me what units he won't fit because they aren't good enough!

    Do you think 2 years is enough time for a plan to clear the garage and find out if there are any extra floor tiles in there? I like the floor tiles but about 2 need replacing.

    In the meantime I think I've just had a moment of inspiration. Going to do some painting in the next couple of months. Switch things round.
    :D:D:D:D:D:D:D:D:D:D:D:D:D:D:D:D
    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
  • edited 10 July 2019 at 8:43AM
    ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
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    edited 10 July 2019 at 8:43AM
    Feeling a bit MEH!

    Was watching a counselling video a couple of days ago. The guy, Richard Grannon, was talking about how solitary confinement is the most effective form of torture. How we are sociable animals, designed for seeing people and interacting. This is my fundamental problem. I am not designed for working from home. Pile on top of it intractable problems where I am the face of the organisation and other people are not really helping me solve them and WOW you have a happy bunny!

    In better news, I am on Vitamin D supplements and they should make me healthier and happier. Still having pain in my fingers but there is pain associated with remineralisation of the bones so I am just going to have to go with that. Should ease as the levels go up.

    Looking for the positives; the swelling in my face has gone down, my legs have gone down and my ankles are smaller. The combination of Vit D supplements, Turmeric and exercise seems to be working.

    Still waiting for my tax number so I can do my tax return.
    Still haven't signed my revised mortgage deal so must do that.
    Still haven't signed my solar panels payment form so must do that.

    As Obe Wan Kenobi said;

    The procrastination is strong in this one!



    Numbers continue down.

    Barclaycard £3361
    Santander £360

    Total £3721

    Santander will clear in just over 2 months. Must keep focused.

    Right, time for work and another day of trying to make unhappy people happy with your hands tied behind your back!
    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
    72.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Keep plodding xx
    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.***
  • edited 4 August 2019 at 9:33PM
    ButtiButti Forumite
    5K posts
    Tenth Anniversary 1,000 Posts
    ✭✭✭✭
    edited 4 August 2019 at 9:33PM
    What a good week! :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
    I like the TAX MAN.
    He seems to understand me.
    He has sent me a letter telling me that if I don't fill in my self-assessment tax form within the next three months he will fine me £100. This is definately the way to talk to procrastinators like me!

    Yesterday I tried to register just incase I hadn't. He then sent me an email basically saying
    "You have already registered, now get on with it!!"

    On Wednesday I gave someone with mobility issues a lift to and from the cinema to watch a shakespeare theatre performance. In return I got a half price ticket. :j:j:j The down side was he made me look not opinionated - which, believe me, takes some doing! When I was giving him a lift back he said "I don't have a car. I don't really believe in them". I had to control myself and not say "Don't feel you have to travel in this one".

    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!
    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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