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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,971Posts
    • 21,117Thanks
    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 154
    • Goldiegirl
    • By Goldiegirl 20th Jan 18, 4:26 PM
    • 8,297 Posts
    • 48,618 Thanks
    Goldiegirl
    I used to love Knightrider!

    Watty, Coffee and a gossip with a friend is always good
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Watty1
    • By Watty1 20th Jan 18, 10:37 PM
    • 2,971 Posts
    • 21,117 Thanks
    Watty1
    Not heard of Knightrider. Shall look that one up.
    £30 spent on a night out. Shall never again underestimate the power of a large glass of rijoca, tapas, decaff and a good gossip with a friend. Very good night out and home in time for a reasonable nights sleep. Shall catch up with diaries shortly. Feeling cheerful, largely due to the medicinal influence of the rijoca I think
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • apple muncher
    • By apple muncher 21st Jan 18, 8:05 AM
    • 6,941 Posts
    • 52,020 Thanks
    apple muncher
    Knightrider.

    David Haselhoff.

    KIT the talking car with intelligence.

    Awesome in its day, like the A Team
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (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 21st Jan 18, 10:15 AM
    • 28,542 Posts
    • 161,028 Thanks
    Karmacat
    Hurray for the rioja!

    OMG, though Watty - you're too young for Knightrider, I was too old Where I was living, it was for little boys, not general SF fans ...
    Retired August 2016
    • michelle09
    • By michelle09 21st Jan 18, 9:20 PM
    • 640 Posts
    • 3,314 Thanks
    michelle09
    A good night out with a friend is often very therapeutic. Glad you had a good one!
    • Watty1
    • By Watty1 25th Jan 18, 10:56 AM
    • 2,971 Posts
    • 21,117 Thanks
    Watty1
    Well things may just be looking up. Firstly, by now I was expecting a fine for the "whoopsie" and an invoice has just arrived minus the fine. I am cautiously optomistic ....
    And then Most Handsome refused to load to go to the vet. Now this is not a good start to any morning but vet came out and Most Handsome almost sound. So will start working him again.
    And then Mr Watty .... well not so good there but after me repeatedly calling I seem to have got someone to listen that all is not well, and, I've no idea what he has been telling his doc but clearly not the truth. Seems he is suffering from some mild psychosis. Appointment sorted for next week. Had to pay £30 to get a letter out of doc as his work has refused any further time off for medical stuff. Part of me is appalled but part of me accepts Mr Watty is not really with it just now and I will just have to keep pushing this one forwards if I can.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Karmacat
    • By Karmacat 25th Jan 18, 8:17 PM
    • 28,542 Posts
    • 161,028 Thanks
    Karmacat
    Good grief, Watty, it just keeps on happening, doesn't it - the lack of a fine so far sounds good, and so does the vet popping out to see you when you couldn't get to him/her.

    Mild psychosis *sounds* terrible, I know - it basically means being out of touch with reality, and that's a pretty accurate description of how he's been, isn't it ... he may have been telling the doc the truth, you know, but because he's out of touch with reality, his truth isn't real, if you see what I mean. Awful, I know. Sounds like the NHS services aren't quite with him yet - he's very, very lucky to have you.

    You still have your knotted hanky fund, don't you? It's still in your sig ...
    Retired August 2016
    • themadvix
    • By themadvix 26th Jan 18, 9:08 AM
    • 1,342 Posts
    • 8,055 Thanks
    themadvix
    At least with a diagnosis of sorts the doc can start keeping a closer eye on him and he is on their radar.

    Great news about MH! (That being Most Handsome, not mental health!)
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • Watty1
    • By Watty1 27th Jan 18, 10:28 PM
    • 2,971 Posts
    • 21,117 Thanks
    Watty1

    Mild psychosis *sounds* terrible, I know - it basically means being out of touch with reality, and that's a pretty accurate description of how he's been, isn't it ... he may have been telling the doc the truth, you know, but because he's out of touch with reality, his truth isn't real, if you see what I mean.
    .
    Originally posted by Karmacat
    KC this is just brilliant. I had not grasped that point, that his truth isn!!!8217;t real because he is out of touch. Honestly when I read that it was a jaw dropping moment. And it makes a lot of sense. I no longer feel so frustrated about the doctor thing now. Thank you.


    You still have your knotted hanky fund, don't you? It's still in your sig ...
    Originally posted by Karmacat
    I do. I!!!8217;ve not been updating the amount but I am transferring cash in when I can and I have a spreadsheet to keep tally. Mr Watty was telling me we had no money today and so I did tell him we had savings and roughly how much and kind of where it was in a vague sort of way as in the money is in xx bank. Only about £300 is in a joint account. And I intend to remain vague as to where, and to keep adding to it.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Watty1
    • By Watty1 27th Jan 18, 10:34 PM
    • 2,971 Posts
    • 21,117 Thanks
    Watty1
    I just re-read my reply to KC. I'm stashing the cash as a self protection mechanism as I've no idea where this could end up. In the long run I'd love a happy ending but I am all too aware those are more common in fairy tales than in life, and, I've seen the havoc that can be caused in finances by both mental health issues and relationship bitterness.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Karmacat
    • By Karmacat 28th Jan 18, 9:38 AM
    • 28,542 Posts
    • 161,028 Thanks
    Karmacat
    Sounds good, Watty. Have a think about the hanky fund - the vague communication is a good idea, and I'm glad Mr Watty realised about saving for saving's sake - but you don't know how things are going to develop, that he might say "okay, we have £4k, we can spend half of that/ use that as a deposit for Something Big" and then you might have another big struggle on your hands. I'd honestly downplay from now on, while he's so ill sorry.
    Retired August 2016
    • Watty1
    • By Watty1 28th Jan 18, 9:53 AM
    • 2,971 Posts
    • 21,117 Thanks
    Watty1
    Sounds good, Watty. Have a think about the hanky fund - the vague communication is a good idea, and I'm glad Mr Watty realised about saving for saving's sake - but you don't know how things are going to develop, that he might say "okay, we have £4k, we can spend half of that/ use that as a deposit for Something Big" and then you might have another big struggle on your hands. I'd honestly downplay from now on, while he's so ill sorry.
    Originally posted by Karmacat
    Thank you. This is probably very sensible. I'm going to change my signature, on the off chance he were to find this on my computer. He will not read through the diary so I'm ok with the comments and posts but the signature amount could stand out. Being ultra cautious here, will change the signature.


    He forgets lots of things that are said at the moment so with luck he will have forgotten about the savings part.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • michelle09
    • By michelle09 28th Jan 18, 11:03 AM
    • 640 Posts
    • 3,314 Thanks
    michelle09
    I'm so sorry Watty, but it looks like you're planning as well as you can. At least now there is a diagnosis it might help Mr Watty get the right medical support he needs?
    • apple muncher
    • By apple muncher 28th Jan 18, 11:07 AM
    • 6,941 Posts
    • 52,020 Thanks
    apple muncher
    It is good to still build up your fund. If things go well, then you will have a nice amount to play with. And if things don't , then you have a cushion. Keep on plodding, m'dear.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Goldiegirl
    • By Goldiegirl 28th Jan 18, 4:48 PM
    • 8,297 Posts
    • 48,618 Thanks
    Goldiegirl
    It all sounds so difficult Watty, but I loved the clarity that KC's comment gave. I'm glad it helped you, because it certainly helped me to understand your situation.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • smallholdingsister
    • By smallholdingsister 28th Jan 18, 5:32 PM
    • 3,554 Posts
    • 29,826 Thanks
    smallholdingsister
    Lots of hugs Watty and well done on your vigilance over finances and Mr W's health. Xxx
    • stepuptothepl8
    • By stepuptothepl8 3rd Feb 18, 9:05 AM
    • 818 Posts
    • 3,992 Thanks
    stepuptothepl8
    Delurking to check you're ok Watty..
    LBM 1st Feb 2015 £17410 to go
    my diary: time to step up to the plate. SPC#503
    2018 challenges: coming soon!
    • Watty1
    • By Watty1 5th Feb 18, 9:57 AM
    • 2,971 Posts
    • 21,117 Thanks
    Watty1
    Bless you stepuptothep18. Its been a few days since I checked in. The good stuff, went to a wonderful service for candlemass. Was at a church I'd never been to before and it was delightful, lit entirely with candles and decorated with snowdrops and evensong sung. Perfect. So calming.
    Also found yesterday a country park that I'd never been to before. Was looking for a good spot to go for a walk with snowdrops and wow, this was definitely one. Plus had a vegetarian caf! on site where we had nut roast with lots of veggies and drinks for under £15. Then home for a ride round the lanes on Most Handsome followed by physio for MH. He still isn't quite right but hopefully getting there.
    Then a couple of items had offers on bay of E so accepted one and have countered offered on another.
    Home situation still blech but am trying to look on the bright side. I must admit I don't always succeed and came very close to putting spyware on Mr Watty's phone but stepped back from the brink in time. I thought that at least it would enable me to find out where he is next time he goes missing.
    Off to make tea and catch up with people....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • apple muncher
    • By apple muncher 13th Feb 18, 8:22 PM
    • 6,941 Posts
    • 52,020 Thanks
    apple muncher
    Hey Watty! Thinking of you x
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (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 15th Feb 18, 8:39 AM
    • 2,971 Posts
    • 21,117 Thanks
    Watty1
    Managed to get myself locked out of MSE And the should be simple task of changing password to get in baffled me completely. So was here but incognito
    Finally managed to log in this morning. Just off for a ride round lanes with Most Handsome and neighbour. Back later....hopefully I can get the password thingummy whatsit to work again!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
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