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
    • 4,898Posts
    • 14,232Thanks
    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 2
    • beanielou
    • By beanielou 9th Jun 18, 5:51 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    Good news on the bike
    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 9th Jun 18, 6:04 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    Need to prepare myself for my one to one on Monday. I am expecting more feedback that I have upset the top boss by resisting the moves to give me all my old work back from 5 years ago. Have had conflicting information from the boss and the one above her on this. Expecting, based on her email to me on Friday, that she is going to try and gas light me and deny she gave me duff information. We shall see.

    I think I need to prepare for all scenarios and for finding a new job.
    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 Jun 18, 6:36 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    Sounds like a plan to look for another job.
    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.***
    • beanielou
    • By beanielou 9th Jun 18, 6:37 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    Had to google gas light
    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 9th Jun 18, 7:17 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    Had to google gas light
    Originally posted by beanielou
    Don't worry Beanie. In a few weeks time we'll have you up to PhD level in gaslighting and narcissism.
    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 Jun 18, 7:22 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    Don't worry Beanie. In a few weeks time we'll have you up to PhD level in gaslighting and narcissism.
    Originally posted by 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 14th Jun 18, 10:12 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    Think I may have a few bumble bees in the eaves. Not sure whether to panic.
    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
    • mark88man
    • By mark88man 15th Jun 18, 7:26 AM
    • 3,916 Posts
    • 9,288 Thanks
    mark88man
    Bumble bees don't tend to swarm - if you've got many prob not bumble bees, if they ARE BBs then you prob don't have many.

    Reason 1 is prob more of a reason to panic - but its still routine.

    *not really an expert*
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = £152K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K

    • beanielou
    • By beanielou 15th Jun 18, 12:57 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    I would be out
    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 15th Jun 18, 10:19 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti

    *not really an expert*
    Originally posted by mark88man
    Thank you for that - it's really made me laugh.

    No sign tonight......which means they've all left or they've all gone to bed. Guess we'll find out tomorrow!
    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 17th Jun 18, 1:36 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    No more bumble bees and no more flies.
    Got my PPI form back as I was too excited to remember to sign it - DOH!

    Going to plan out my budget for the month and try to keep it tight. Can then plan the removal of a credit card.
    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 17th Jun 18, 3:11 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    No more bumble bees and no more flies.
    Got my PPI form back as I was too excited to remember to sign it - DOH!

    Going to plan out my budget for the month and try to keep it tight. Can then plan the removal of a credit card.
    Originally posted by Butti
    Numpty
    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 20th Jun 18, 2:24 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    Mortgage down again today £63,661. Interest dropping too!
    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 20th Jun 18, 2:32 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    Hurrah. .
    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 5th Jul 18, 10:11 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    Having a fairly quiet time of it at the moment. Have applied tonight for a promotion at work. We shall see what happens.

    Also working through my issues. Have started intensively doing the psychological work. This involves daily;
    2 perfect parent hynosis
    1 mental toughness hypnosis
    Multiple hand nemonics - can do them in half a minute
    1 sit down with pen and paper to do emotional literacy

    Really feel like I am starting to get somewhere.
    Particularly enjoy telling the Inner Critic to p*ss off. The Inner Critic is that voice in your head (if you had a lot of negativity in your childhood) which tells you "You can't do that" "You're useless" "They all hate you" etc.etc.etc.

    Speaking of which, better do the 5 minute one and then go to bed.
    Last edited by Butti; 05-07-2018 at 10:13 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 5th Jul 18, 10:17 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    ...and went out for my birthday with my friends. Some of them are losing their shine since I started to get my sh*t together.

    See what you think of this moneysaving

    We went out to our favourite Indian restaurant. Somewhere where the service is always good and they are always nice to us, the sort of place where you IDEALLY should want to build a bit of loyalty / rappor. When we got to the end of the meal and it appeared we had tipped £1.40 in total I got a bit irritated and quized them.
    "Well I put in 50p" said one.
    "I've tipped 35p"

    I really struggle with the concept of owning a 35 pence tip!
    Just speechless.
    Last edited by Butti; 05-07-2018 at 10:20 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
    • Youthgonewild
    • By Youthgonewild 6th Jul 18, 11:15 AM
    • 122 Posts
    • 218 Thanks
    Youthgonewild
    Yikes, a £1.40 tip!! Seems stingy to me especially if the service and food are on point. Did they cough up more after the quizzing?
    Mortgage balance October 2015: £99875
    Mortgage balance November 2017: £97583

    Mortgage balance November 2018: £90952.08
    Mortgage balance December 2018: £90470.65
    Mortgage balance January 2019: £88200.00
    Mortgage balance April 2019: £86200.00
    • Butti
    • By Butti 6th Jul 18, 5:24 PM
    • 4,898 Posts
    • 14,232 Thanks
    Butti
    No!!! Me and the other friend put more in and I made a mental note about how I am going to be more generous in future.....and go out for fewer meals with them!
    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 6th Jul 18, 8:07 PM
    • 63,847 Posts
    • 283,278 Thanks
    beanielou
    That was so mean of them!
    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.***
    • julicorn
    • By julicorn 6th Jul 18, 8:13 PM
    • 761 Posts
    • 3,160 Thanks
    julicorn
    Best of luck with your promotion, fingers crossed!
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

123Posts Today

1,555Users online

Martin's Twitter