Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Butti
    • By Butti 3rd May 18, 8:25 PM
    • 4,901Posts
    • 14,282Thanks
    Butti
    The whimsical tale of the Waterbed of Debt
    • #1
    • 3rd May 18, 8:25 PM
    The whimsical tale of the Waterbed of Debt 3rd May 18 at 8:25 PM
    Ooooh so close....so very close.

    So I've decided it is time to move on to the next chapter.

    The whimsical tale of the waterbed of debt is a metaphor for my debts. In a few days time (when I'm back from Milan - how appropriate!) I shall start detailing how my debts have gone down a little and my mortgage is doing quite nicely but how pushing down too enthusiastically can result in other bits popping up.

    This is the story of how difficult I find it to cut down on all areas and not to suffer rebound in other areas. Keep having acid reflux in yoga too!

    It will also have a bit of psychobabble.

    .....and a bit of whimsy.

    BUT FIRST ironing in preparation for Milan. A trip which has free travel and free accommodation . I just need to remember not to strangle my friend after four days if she is catastrophising too much or generating too many black and white arguments.

    And so ....to the ironing
    Last edited by Butti; 03-05-2018 at 8:40 PM.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
Page 13
    • earthgirl
    • By earthgirl 8th Mar 19, 11:29 AM
    • 2,705 Posts
    • 28,201 Thanks
    earthgirl
    That's a great price! I am running my little car till it gets a big bill, then I'm also buying from the far east!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • Butti
    • By Butti 9th Mar 19, 6:39 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    Checked up on the debts again;

    Credit cards

    Barclaycard £3761
    Santander £960

    TOTAL £4621

    The mortgage is standing at £59,471 35.4% paid off

    Quiet day today.
    Beer festival yesterday with friends and really quite tired today.
    Went to the yoga class after my usual one this morning. Beginners yoga aka. Yoga for people who've had too much of this and for whom a balancing pose is totally out of the question
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • beanielou
    • By beanielou 9th Mar 19, 7:09 PM
    • 64,602 Posts
    • 288,769 Thanks
    beanielou
    All looking good
    Hope you enjoyed the festival

    One debt left by the end of the year?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.***
    • Butti
    • By Butti 10th Mar 19, 7:44 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    All looking good
    Hope you enjoyed the festival

    One debt left by the end of the year?
    Originally posted by beanielou
    Oh I did enjoy it Beanie...possibly too much.

    Have had a quiet day, finishing off with a 90 minute yoga and mindfulness class which has just prepared me for bed. But before i go have been watching 'Travelling Blind' where Sarah Pascoe and Amir (who set up Travel Eyes) are travelling together in Turkey. Just brilliant TV - absolutely amazing.
    Last edited by Butti; 10-03-2019 at 7:46 PM.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • Butti
    • By Butti 11th Mar 19, 6:08 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    So ......positives from today

    My spending will be VERY controlled for the rest of the week and I shall be taking my lunches in

    The bad news from today was that at the start of the day (lifting a book off the bedside table) I seem to have nearly slipped a disk. In quite a bit of pain.

    Somewhere in the middle of the day, when the gas man suddenly turned up AFTER the property is finished and two days later than when I was told it would be done my bag has been lifted with my bank card in.

    Have stopped the card but I did REALLY like the bag.....and if the f*ckwit of a gas man had been on time and not confused me as I was leaving it would never have happened.

    P*ssed off
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • beanielou
    • By beanielou 11th Mar 19, 7:20 PM
    • 64,602 Posts
    • 288,769 Thanks
    beanielou
    Butti~~so sorry to hear about the back pain & the blooming bag

    Passes beer.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.***
    • Butti
    • By Butti 11th Mar 19, 8:14 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    Butti~~so sorry to hear about the back pain & the blooming bag

    Passes beer.
    Originally posted by beanielou
    Thanks Beanie...I'm on the wine at home!

    The good news is there was only £10 in it (the advantages of having no money!)....and I'd actually done the thing I am always telling myself to do but not doing .....there was £20 in it but I put a tenner in one of the pockets under the dashboard for when I next forget my purse
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • Butti
    • By Butti 12th Mar 19, 7:13 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    Found my little red bag on ebay
    Also comes in teal and black and a load of other colours
    Only £8.95 so can get one for me and some for presents

    .....and don't have to do anything until Friday (payday)
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • beanielou
    • By beanielou 12th Mar 19, 7:39 PM
    • 64,602 Posts
    • 288,769 Thanks
    beanielou
    Found my little red bag on ebay
    Also comes in teal and black and a load of other colours
    Only £8.95 so can get one for me and some for presents

    .....and don't have to do anything until Friday (payday)
    Originally posted by Butti
    Take it this is the bag that was stolen?
    That's good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.***
    • Butti
    • By Butti 16th Mar 19, 7:58 AM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    Take it this is the bag that was stolen?
    That's good
    Originally posted by beanielou
    My friend who bought it for me says She was clearly robbed when she bought it!

    Cheap cinema evening last night. I missed Bohemian Rhapsody when it came out and my friend, who has only seen the film about 8 times has now got the DVD. So it was round hers with my two bags of popcorn. Great film with really good casting.

    Free yoga class this morning. The yoga teacher is on a course so I've got 3 yoga playlists from youtube and I think I'll be doing the hip one of those plus some stretches specifically for the sacro-illiac joint. My back is starting to feel better so I need to strengthen up my core to protect the joints.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • Butti
    • By Butti 26th Mar 19, 7:49 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    Well, bit of a result today.

    Driving down a road today and a bus and lorry going opposite ways nearly side swiped each other. In the end the lorry had to reverse, so I had to reverse and the guy behind me had to reverse.....and then he stopped reversing .......and I didn't

    Ooops!
    By some complete Fluke...... Miracle......... Divine intervention.....call it what you will. There was no damage to his number plate or mine. Phew!!!

    Then I got the electrician round because last week the whole lighting circuit blew (well all apart from one bulb!!! WTF!) just before I went to Amsterdam. So he came round today. Changed the fuse only for a modern one for the lighting circuit and removed the bit of light fitting that I hadn't seen and would have made it blow over and over again. So rather than about £400 for a new Consumer Unit, it was £40

    Time to book my internet dating and my flight to Cambodia I think Feeling strangely positive despite a rubbish day at work.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • beanielou
    • By beanielou 26th Mar 19, 8:09 PM
    • 64,602 Posts
    • 288,769 Thanks
    beanielou
    Good news on the non bump & the electricians bill.

    Internet dating
    You kept that one quiet!!

    Get those flights booked
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.***
    • Butti
    • By Butti 27th Mar 19, 1:02 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    Just watched Martin Lewis on Loose Women. What an amazing man he is.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • beanielou
    • By beanielou 27th Mar 19, 5:08 PM
    • 64,602 Posts
    • 288,769 Thanks
    beanielou
    Just watched Martin Lewis on Loose Women. What an amazing man he is.
    Originally posted by Butti
    He is
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.***
    • earthgirl
    • By earthgirl 27th Mar 19, 5:27 PM
    • 2,705 Posts
    • 28,201 Thanks
    earthgirl
    Glad there wasn't much of a bump in your car and phew to the £40 rather than £400!

    I have friends who internet date they have some hilarious stories! Stay safe and happy with yourself x
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • Butti
    • By Butti 27th Mar 19, 7:02 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    I have friends who internet date they have some hilarious stories! Stay safe and happy with yourself x
    Originally posted by earthgirl
    Ah but this is the joy of internet dating, comparing notes on;
    axe murderers, people who think they need a passport to get out of their town, men who have mattresses in their work vans, those with lovely cars and bikes and horrendous combovers etc.etc.etc.

    I am going on a paying site so hopefully we won't be dredging up some pondlife among the fish!!! Ready to try anyway.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • beanielou
    • By beanielou 27th Mar 19, 7:23 PM
    • 64,602 Posts
    • 288,769 Thanks
    beanielou
    Ah but this is the joy of internet dating, comparing notes on;
    axe murderers, people who think they need a passport to get out of their town, men who have mattresses in their work vans, those with lovely cars and bikes and horrendous combovers etc.etc.etc.

    I am going on a paying site so hopefully we won't be dredging up some pondlife among the fish!!! Ready to try anyway.
    Originally posted by Butti




    Wishing you well in your search of non pondlife
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.***
    • Butti
    • By Butti 27th Mar 19, 9:07 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    ......and in other news


    I've had a letter from the bank telling me that on current projections the £6k part of my mortgage will be paid off 11 years early in 2022


    We'll keep going with that repayment plan then!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
    • beanielou
    • By beanielou 27th Mar 19, 9:11 PM
    • 64,602 Posts
    • 288,769 Thanks
    beanielou
    ......and in other news


    I've had a letter from the bank telling me that on current projections the £6k part of my mortgage will be paid off 11 years early in 2022


    We'll keep going with that repayment plan then!
    Originally posted by Butti
    Fantastic news Butti
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.***
    • Butti
    • By Butti 2nd Apr 19, 8:03 PM
    • 4,901 Posts
    • 14,282 Thanks
    Butti
    Four hours sleep last night, I think because I was on social media too late. Going to stop tonight in a minute and then have a bergamot tea and watch Line of Duty again. Hopefully I'll fully get it this time! (Line of Duty, not the tea!)

    Started cycling at the weekend. Only 7 miles. It's a start but a small one. Fair knackered me I have to say!

    Yoga tonight - bloomin hard but I do love it when my ankles go down during the class. She's such a good teacher. She was doing a class which opens your heart and opens your hips. As I'm going slow dating on Thursday that may be useful
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/19 )£4621
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    35% 35.4% 36.3% 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 MOB
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

157Posts Today

1,569Users online

Martin's Twitter