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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,982Posts
    • 20,808Thanks
    Watty1
    This Time I'm Really Going To Do It
    • #1
    • 2nd Sep 13, 12:25 PM
    This Time I'm Really Going To Do It 2nd Sep 13 at 12:25 PM
    I've loved this little bit of the forum and over the years have often stopped by for a bit of motivation. And from time to time have even made moves to become mortgage free, making an overpayment here, and thinking about it and even once setting a date (12/12/12) when there was a great thread here about that.

    And then poooffff ... I make a start and it all fades away.

    A year ago I decided that we would be mortgage free by January 2014 ... and paid off 10% of the mortgage..found that was the maximum we could pay off without penalty and then I sort of gave up. But not totally. I have been saving and over the last few weeks been looking forward to the start of september because .....drumroll....today I can make a repayment without penalty. And so I am currently on hold to the Mortgage company to do just that.

    And whilst holding I thought I would also start a diary here to keep me motivated... I mean January 2014 Thats only 4 months away...surely I cant do it by then????

    But rather than give up once again I'm going to see just how far I can get by that date and hopefully posting on a nice friendly board will keep the motivation up.

    Back later with more figures.
    Last edited by Watty1; 02-09-2013 at 2:09 PM.
Page 152
    • greent
    • By greent 8th Jan 18, 8:41 PM
    • 6,653 Posts
    • 67,701 Thanks
    greent
    Sorry to hear about the break in - even though nothing was taken in the end it's still horrid and you've been inconvenienced during that night and the next day sorting it all out

    Great news re the bonus £390 for the fund, though

    Hoping here onwards is getting better......

    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £17.38/£1000 PAYDOX18 £0/£30k ?? Decluttered 136/2018 items
    • michelle09
    • By michelle09 9th Jan 18, 10:53 AM
    • 572 Posts
    • 2,671 Thanks
    michelle09
    Sorry that the police can't take it anywhere. They're so stretched these days that it's decent people who end up suffering for it.

    Hopefully it's all clearing up ok?
    • Watty1
    • By Watty1 9th Jan 18, 1:50 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    All cleared up and moved on. I am a little nervous about being out on own in the evenings with the ponies in case an intruder turns up but that will pass.
    I didn't expect the police to do anything but reporting it at least gives a picture of the crime levels, if we hadn't had the security measures in place it would have been worse but we do and all is ok.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • Watty1
    • By Watty1 9th Jan 18, 1:51 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    Not feeling too great. Discussed Mr Watty's up and coming road trip. I'm not at all pleased about it and range between fury and total despair. But he is going. Regardless of what I think. I have a very unsettled feeling that things may come to a head. Probably not before he goes as he leaves Sat and his work means I won't see him much if at all before then .. but ..tis not good here by any means.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • Karmacat
    • By Karmacat 9th Jan 18, 2:34 PM
    • 28,322 Posts
    • 157,688 Thanks
    Karmacat
    So sorry to hear this, Watty - it must be awful to hear what's basically 'I'm going no matter what your concerns are'...

    Apart from exploring it on here, and committing as much as possible to teh Red Spotted Hanky fund, how can you take care of yourself? Is there anyone you're talking to about it all in RL? Do you find a soothing bath helpful (I don't)? A particularly nice ground coffee that you make yourself once a day (this is my go-to)? You get exercise with the ponies, that's good.

    Maybe work on "noticing" (a.k.a. mindfulness, I suppose) - notice what you see when you're outside, don't let the fears and worries inside your head block you from the view of the ponies and nature and so on? Mindfulness isn't airy fairy, its just "pay attention to what you're doing, especially when it's something nice" that I'm advocating.

    Hope that makes sense, and hope it helps.
    Retired August 2016
    • apple muncher
    • By apple muncher 9th Jan 18, 3:27 PM
    • 6,777 Posts
    • 50,409 Thanks
    apple muncher
    Watty - if you would like to join a gaggle of 10 year olds at my dd's party and make owls and peg dolls, colour in some stained glass window effect thingies and eat party food, then you are more than welcome. I can offer you a good cup of coffee too. Dress code is casual but you must bring a teddy.

    Seriously though, you would be very welcome xx
    NST January #1; NSD 9/18; Ex 12/12; craft 1/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Watty1
    • By Watty1 9th Jan 18, 5:41 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    Watty - if you would like to join a gaggle of 10 year olds at my dd's party and make owls and peg dolls, colour in some stained glass window effect thingies and eat party food, then you are more than welcome. I can offer you a good cup of coffee too. Dress code is casual but you must bring a teddy.

    Seriously though, you would be very welcome xx
    Originally posted by apple muncher


    I would so love to do this You made me laugh. I wondered if I might to childish for them????
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • apple muncher
    • By apple muncher 9th Jan 18, 8:15 PM
    • 6,777 Posts
    • 50,409 Thanks
    apple muncher
    I would so love to do this You made me laugh. I wondered if I might to childish for them????
    Originally posted by Watty1
    You have been pm'ed. It is this saturday!
    NST January #1; NSD 9/18; Ex 12/12; craft 1/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 10th Jan 18, 1:05 PM
    • 28,322 Posts
    • 157,688 Thanks
    Karmacat
    Perfick
    Retired August 2016
    • Watty1
    • By Watty1 11th Jan 18, 10:26 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    You have been pm'ed. It is this saturday!
    Originally posted by apple muncher


    Yay !! Bless you xx
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • AlexLK
    • By AlexLK 11th Jan 18, 11:10 PM
    • 5,918 Posts
    • 31,001 Thanks
    AlexLK
    Have you discussed / considered counselling as a couple? Mrs. K. and I did it last year and whilst it wasn't easy it is quite honestly the best thing to happen to our relationship as we have been able to forgive, start afresh and move on. I realised over Christmas trust has built to a level previously unrecognised.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Kittenkirst
    • By Kittenkirst 12th Jan 18, 9:07 AM
    • 1,702 Posts
    • 9,035 Thanks
    Kittenkirst
    Oh Watty, sorry to hear that you are having a tough time <hugs>

    I can’t offer much advice other than echoing what the others have said- I found mindfulness and positive reaffirmations (‘things will be ok’ ‘I am strong and capable’ Etc) really helped me recently. Different things work for different people but keep chatting to us and looking after yourself x
    2018 MFW #20 - OP £391.44/ £3000 13%

    Emergency fund £4K/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    • Watty1
    • By Watty1 12th Jan 18, 2:37 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    Thanks all. It is completely clear to me that Mr Watty is in a really bad place. I can offer guidance and so on but I cannot pull him out of that hole.
    I did ring former friend who is doing his counselling yesterday to make it utterly clear that she was not to charge my card again. Words failed me. I do not think she has helped him at all and I did say as much yesterday evening.
    I have left on his desk two alternative options, one is a specialist working in an area I think a primary issue for him to focus on, one a local counsellor found on a site recommended by KC and checked out with a lovely friend locally who recently qualified as a counsellor and who thinks this person might be appropriate. It really is down to Mr Watty what he decides to do.
    (I have also asked him to discuss medication with his GP and suggested he actually read the books his GP suggested - both of which I thought were fantastic suggestions)

    Just waiting to hear if a neighbour can bring in ponies on Saturday so I can go to a party


    I have to say I'm astounded by the kindness on this board
    Last edited by Watty1; 12-01-2018 at 2:39 PM.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • apple muncher
    • By apple muncher 12th Jan 18, 4:01 PM
    • 6,777 Posts
    • 50,409 Thanks
    apple muncher
    Party bag all sorted!
    NST January #1; NSD 9/18; Ex 12/12; craft 1/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 12th Jan 18, 6:58 PM
    • 28,322 Posts
    • 157,688 Thanks
    Karmacat
    Watty, I'm sorry it's going so badly for MrW, but you're absolutely right, no one else can pull him out of that hole. Exploring options for him is the most you can do, maybe listen to him trying to work out which one is best for him if you can bear to, but maybe *not* that, you're going through so much yourself with all this.

    Sorry the friend has become a former friend, too but it sounds like at least you've spoken your piece.

    I sense a party coming up with apple
    Retired August 2016
    • apple muncher
    • By apple muncher 12th Jan 18, 7:06 PM
    • 6,777 Posts
    • 50,409 Thanks
    apple muncher
    Make that apple + 9 girls!!! Face painting, colouring in, peg dollies, owls, teddy bear picnic and glitter jelly + ice cream...
    NST January #1; NSD 9/18; Ex 12/12; craft 1/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 12th Jan 18, 7:58 PM
    • 28,322 Posts
    • 157,688 Thanks
    Karmacat
    Fantastic! I had a peg dolly when I was little
    Retired August 2016
    • apple muncher
    • By apple muncher 12th Jan 18, 8:13 PM
    • 6,777 Posts
    • 50,409 Thanks
    apple muncher
    So you will be the resident expert...
    NST January #1; NSD 9/18; Ex 12/12; craft 1/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Watty1
    • By Watty1 12th Jan 18, 10:57 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    Mr Watty packing for his trip. I feel I have wasted my time talking to him over this week as it has achieved absolutely nothing.


    He has however packed both books the GP recommended and the leaflet I got from a specialist counselling unit.


    And in an effort to return to the MSE side of things I am feeling more positive that my efforts have contained the work disaster. After my initial panic, I seem to have pulled myself together enough to take action which might just contain the damage. Will be the end of Jan before I know for sure ...but with a prevailing wind this might just work out
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • A Frayed Knot
    • By A Frayed Knot 12th Jan 18, 11:20 PM
    • 2,198 Posts
    • 9,885 Thanks
    A Frayed Knot
    Surely - that's a good sign that Mr Wattie is taking the books with him. Just hope he has the time to read them through and helps even just a little.

    Hope your neighbours can take the horses in for you, so you shall go to the ball.

    If you manage (and I hope you do) - have a great time.

    and fingers crossed the prevailing wind helps.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £4068.97
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