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, 9:25 PM
    • 4,654Posts
    • 12,513Thanks
    Butti
    The whimsical tale of the Waterbed of Debt
    • #1
    • 3rd May 18, 9:25 PM
    The whimsical tale of the Waterbed of Debt 3rd May 18 at 9:25 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 9:40 PM.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 1
    • beanielou
    • By beanielou 3rd May 18, 10:14 PM
    • 55,514 Posts
    • 222,875 Thanks
    beanielou
    • #2
    • 3rd May 18, 10:14 PM
    • #2
    • 3rd May 18, 10:14 PM
    Happy shiny new diary.
    Will be along with you on your journey
    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.
    • JennyP
    • By JennyP 5th May 18, 8:38 AM
    • 934 Posts
    • 691 Thanks
    JennyP
    • #3
    • 5th May 18, 8:38 AM
    • #3
    • 5th May 18, 8:38 AM
    Happy shiny new diary.
    I love psychobabble!
    • MatyMoo
    • By MatyMoo 5th May 18, 3:59 PM
    • 2,846 Posts
    • 13,170 Thanks
    MatyMoo
    • #4
    • 5th May 18, 3:59 PM
    • #4
    • 5th May 18, 3:59 PM
    New adventures are always good! As always I will be cheering from the side lines

    Isn't psychobabble one of Mike's Mob???
    Proud Member of Mike's Mob
    • Butti
    • By Butti 11th May 18, 9:22 AM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    • #5
    • 11th May 18, 9:22 AM
    • #5
    • 11th May 18, 9:22 AM
    Well I think today should start with getting a grip on what my debts actually are and planning for what we are doing to bring them down with the mortguage. £400 in mileage this month so that will need to go somewhere NON-fluffy.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 May 18, 6:58 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    • #6
    • 11th May 18, 6:58 PM
    • #6
    • 11th May 18, 6:58 PM
    : rotfl::r otfl::ro tfl:

    If you look at the signature strip you will see that 3 years ago my credit card debt was £19 more than it is now. £6.33 a year. Really good. (yes maybe that's the problem)

    Mortgage £ 64749
    I have nearly paid off 30% in just over 3 years


    Credit cards
    Barclaycard £4656 @0%
    Halifax £1574 @22%
    Santander £ 314 @0%
    Tesco £1227 @21%

    Total £7771

    So looking at the above. I think I should throw my mileage payment and my lack of car loan payment at the Halifax card.

    I'm hoping Santander may throw an offer in my direction in the next month and I will transfer.

    Going to sit and do half an hour of meditation and then go to the pub (because clearly I never learn!) They have cans in at the moment that you can colour in and I like colouring it......that's enough reason isn't it?

    I am following a course called the 'FIRST AID KIT' by a guy called Richard Grannon. He is an NLP practitioner specialising in narcissism and cluster B personalities. The half hour meditation and the course aims to repeat positive messages to my subconscious in areas where I am weak. For me this could be described as being able to say no, being able to do conflict without emotion and being allowed to express anger. So basically, you work at building up those areas where you are vulnerable.

    Milan was fun : rotfl:
    I'll tell you about it another day. An example of another person who likes to burn their bridges! I forsee an arguement with that friend where she tries to persuade us that she is right and we are wrong / her needs are greater than ours / she's a star and our job as planets are to revolve around her. I'm quite looking forward to it actually because all the above are irrelevant if she hasn't fully cracked getting on an aeroplane without her friends, her friends that she has just really really p***ed off!
    Last edited by Butti; 11-05-2018 at 7:08 PM.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 May 18, 7:47 PM
    • 55,514 Posts
    • 222,875 Thanks
    beanielou
    • #7
    • 11th May 18, 7:47 PM
    • #7
    • 11th May 18, 7:47 PM
    Enjoy the colouring in at the pub
    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.
    • Butti
    • By Butti 17th May 18, 1:16 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    • #8
    • 17th May 18, 1:16 PM
    • #8
    • 17th May 18, 1:16 PM
    So £600 paid off Halifax today. Tomorrow will check out if I can transfer the rest to 0% on a Barclaycard offer. Mortgage comes out on 20th so shall see what has happened to the amount of interest then.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 May 18, 8:53 PM
    • 55,514 Posts
    • 222,875 Thanks
    beanielou
    • #9
    • 17th May 18, 8:53 PM
    • #9
    • 17th May 18, 8:53 PM
    Good news on the Halifax
    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.
    • beanielou
    • By beanielou 17th May 18, 8:54 PM
    • 55,514 Posts
    • 222,875 Thanks
    beanielou
    P.S. Colouring in looked fab
    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.
    • Butti
    • By Butti 18th May 18, 8:26 AM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    P.S. Colouring in looked fab
    Originally posted by beanielou
    It's always good to have you along for the journey Beanie. You are such a positive life force to be around.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 29th May 18, 9:46 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    So ......still pondering where to move the remaining debt from the Halifax. Currently have two 0% offers on the table from Barclaycard and Santander.

    Have also had a bit of a busy week. Slightly surreal actually.

    Had my bike stolen on Saturday, which is not great timing (if there is ever great timing) as I do a two day bike ride in about 3-4 weeks time. The good news is that I did put it on the house insurance after the 1 year insurance deal ended so I am getting £150 back. The better news is that I'm getting £1k for a PPI claim
    So I think we'll be able to buy a bike this week and pay my Halifax off or thereabouts.

    Training on my 30 year old 6 gear bike until then. I'm going to have leg muscles like Chris Hoy at this rate.

    So pleased they didn't steal my friends bike. That would have been horrific. They took mine first and we think they were about to come back for hers.
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 29th May 18, 9:59 PM
    • 55,514 Posts
    • 222,875 Thanks
    beanielou
    Bad news on the bike.
    But excellent news on the PPI.
    Hope you are going to treat yourself to celebrate your PPI success.
    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.
    • Butti
    • By Butti 30th May 18, 10:59 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    I went into Monsoon today Beanie to buy a red shrug (something I actually need) and came out with a dress and a shrug!!! It does look very good though.

    But that is enough for now. Debt payment and bike payment will do fine thank you.

    Mortgage is down to £64,203 which does blow my head a bit.

    Right, five minutes meditation and then bed. New neighbours next door - hope the toddler doesn't sound like he's being tortured at 4am tonight. I need my sleep!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 31st May 18, 12:04 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    Time to ask for my exit codes from Virgin Media I think. My broadband, TV and telephone monthly bill is now coming to £61 per month.

    Plus once I've got meditation, spanish, cycling and overall reading out of the way plus a job there's no time to watch telly! Particularly once I have fitted in a couple of trips to the pub!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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
    • newgirly
    • By newgirly 31st May 18, 11:53 PM
    • 6,363 Posts
    • 43,984 Thanks
    newgirly
    Hi butti your name seems familiar, all the best with the new diary
    MFW 21
    Target for 2018 £40k/£13,632 paid so far

    Mortgage £36,319 4yrs left. Total owed £48,358 plan to clear in 14 months
    • beanielou
    • By beanielou 1st Jun 18, 5:53 AM
    • 55,514 Posts
    • 222,875 Thanks
    beanielou
    Time to ask for my exit codes from Virgin Media I think. My broadband, TV and telephone monthly bill is now coming to £61 per month.

    Plus once I've got meditation, spanish, cycling and overall reading out of the way plus a job there's no time to watch telly! Particularly once I have fitted in a couple of trips to the pub!
    Originally posted by Butti
    Don’t forget your trips to the pub
    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.
    • Butti
    • By Butti 7th Jun 18, 11:29 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    So I've been watching a mini -video on self sabotage (are they actually video's these days or something else).

    It was talking about how if you have a parent who is;

    critical
    bullying
    judgemental
    a perfectionist


    You will have the metacommunication "Do well"
    and the implicit communication " Don't do too well"

    Leading to;

    Neurotic levels of procrastination!


    : rotfl:

    That made me laugh and made me wonder if the presenter had actually met my father
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 8th Jun 18, 7:52 PM
    • 4,654 Posts
    • 12,513 Thanks
    Butti
    Are there any broadband /TV/phone suppliers you would recommend, or conversely not recommend.

    My conversation with Virgin Media - asking about leaving got me down from £64 (which it will be in about a fortnights time) to £52 for a year. Hardly set my pants on fire!

    Think I will need to up the anti (or is it auntie?)

    Also in todays news I have spent a significant sum of money

    Bought a bike £465. Hopefully this one will stay with me for as long as the 30 year old 6 gear one! Picking it up tomorrow and taking it up the local steep hill!
    Debt LBM (08/09) £11,641. (08/12) £22,734. (2/15 )£7790
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'

    '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 8th Jun 18, 8:04 PM
    • 3,207 Posts
    • 6,676 Thanks
    mark88man
    I love whimsical so I am going to subscribe and let the whimsy take me. Not so keen on waterbeds or debt I have to say. But 1 out of 3 aint bad

    on the MSE side, I am just working on the debt (CC and Car Loan) and making OK if not stellar progress, whilst the mortgage comes down slowly but surely but not overpaid
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight - Fluctuating - less than I was more than I should be
    1/18: CC:11.5K@0% - Car Loan:17K@2.8% - Mort:145K@2.9%
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018-1H:£11K
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

99Posts Today

1,384Users online

Martin's Twitter