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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
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    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 2
    • Watty1
    • By Watty1 11th Sep 13, 8:36 PM
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    Watty1
    .

    Can I just say that I absolutely love that there is such a thing in the world as a paddock hoover! Despite living in the country for most of my life I've never heard of such a thing! Obviously had a sheltered life!
    Originally posted by EchoDelta
    There is and it is fabulous! Have spent over 2 hours this evening hoovering up horse poo. Now this may seem
    frivolous to many of you but it is much better for the grass that the horses eat and saves on wormer in the long run. Finished off by clearing out a water trough. Such joy. When I've paid off the mortgage I'll get a life I promise
    • Alchemilla
    • By Alchemilla 12th Sep 13, 7:34 AM
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    Alchemilla
    Oh Watty i find poo picking by speedy skip quite therapeutic but we only have the one. What is a paddock hoovr and does it go over bumps?
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
    • Tahlullah
    • By Tahlullah 12th Sep 13, 7:56 AM
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    Tahlullah
    This is why I really love reading other peoples diaries, you learn so much!

    So, what are Paddock hoovers and Speedy skips? I guess they are both mechanical shovels?

    Looking forward to the answers.

    Thank you, enjoying the diary and wishing you luck on your journey to mortgage neutrality.
    • Watty1
    • By Watty1 12th Sep 13, 8:29 AM
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    Watty1
    OK, lets see if I can explain to Tahlullah without the use of pics! A speedyskip is like a shovel with a rake that relies on a human raking up the poo into the shovel/bucket and then putting it in a wheelbarrow and wheeling that to the muck heap where the barrow is emptied.

    I agree with Alchemilla that it is therapeutic. But, with a lack of time and 2 horses at present (I've had 3 in the past and am considering buying a couple more later this year ... but I digress) means that my fields had lots of poo to shift as I havent done any poo picking up since early July. If I did daily it would be fine. But I dont. And I know myself well enough to know if I am not doing it daily during fabulous weather I sure am not going to be doing it in the depths of winter.

    A paddock hoover is - well my new one - is a big plastic box with a petrol engine that powers the suction. It has a hose just like a domestic hoover - but a lot lot bigger. And switched on it just sucks the poo off the grass like your indoor hoover would suck up the dirt off the carpet. Its pulled along by a quad bike although you can get a smaller one that you wheel along. And to be honest you could pull the one I've got around by hand but the bike is quicker and easier. It holds about 4 barrows of muck in one go and has a neat tipping action. It also sort of mulches it up as it up too so as it rots down it will make great stuff for the garden!

    A bit of me thinks it wasn't money saving to buy it when I could have used effort and it uses petrol and requires the quad bike to pull it which also uses petrol so its not really very eco/green either.

    But most of me is just relieved to have a way of doing this job that is quicker and easier than doing it by hand.

    Mind you ... after spending about half an hour during the day then 2 to 3 hours at it yesterday evening ... I so ache

    I reckon a couple more hours this evening and the worst will be done but I might see if I can get Mr Watty to do some hoovering rather than sitting on the quad bike watching

    It doesnt really need 2 people as one person could easily do it by driving across the field to the next poo area and getting off the bike and hoovering but Mr Watty does so love a gadget that he wanted to come out and "help" and yesterday his help consisted of driving the bike and me walking and hoovering. I think this evening we might try him walking/hoovering so he can see how the gadget works!!
    • FloppyDisk
    • By FloppyDisk 12th Sep 13, 1:35 PM
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    FloppyDisk
    Haha I remember the first time I saw one in the shops and was terrified I might suck up a jack russell! Could you be a bit MSE and sell the poo as manure? Or maybe offer to do half a days poo hoovering at friends' yards for £50 say?
    July 2012 £139,642 / Nov 2017 £111,504
    EF - £11,504/£25,000
    • Watty1
    • By Watty1 14th Sep 13, 8:52 AM
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    • 19,891 Thanks
    Watty1
    Or maybe offer to do half a days poo hoovering at friends' yards for £50 say?
    Originally posted by FloppyDisk
    Floppy Disc this comment has set off a whole rumbling of thoughts. I was mulling it over whilst hoovering on Friday evening (it is going to take hours to clear that paddock) and I begun to think about field managment. See we ending up buying quad bike, topper, tractor blah de blah because we couldnt find anyone to do the work. We had a lovely chap when we moved in but he gave up because he could make enough money ..he said it was a living not a good living and he wanted more.

    Whilst I was out hoovering I began to wonder if others would pay me to do their field management. Mr Watty has pointed out I will need to get certified in spraying etc but I've looked it up and it is all quite doable.

    Now I can't possibly even try this whilst working full time in my current line of work as it pays well and we have that hefty mortgage to clear.... but....it is something that I might look into as the mortgage comes down. And the whole MFW started because I would like to clear the mortgage and work less.

    I've always wanted to do something more outside and I've just the rumblings of a business plan rattling around here ....so maybe Floppy has given me an idea here
    • Watty1
    • By Watty1 14th Sep 13, 11:46 AM
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    Watty1
    Letter from bank re mortgage confirming new balance of £125,912.55

    Have been ebaying and transferred £185 to the overpayment kitty and delighted to see the overpayment fund stands at £7383.00. As on 28th I can make next lump sum repayment without penalty and delighted I have it ready to go with just a bit left over to start saving for the next repayment lump

    Totalled up other savings pots just for fun. We have 2 stocks and shares ISAs which should add up to about £30,000 and a cash ISA of £34000. Am now thinking about having a very small savings pot and clearing these out when we can pay off lump sums without penalty and then work to build some savings afterwards.

    I'm self employed and of late business as not been as bouncing or joyful as it should be and, as what I earn pays the mortgage it would be a relief to have it gone.

    Have booked to take horse to an adult style 'pony camp' and am so looking forwards to that. I really want to get back to enjoying riding and am thinking some fun stuff should really help. £20 deposit paid and have found 2 horse rugs and hedge trimmer to ebay to hopefully pay the balance!

    Now off to smarten self up for a wedding have been invited to this afternoon, having spent morning mucking out and walking dog I feel there is much to do on the smartening up side.
    • Alchemilla
    • By Alchemilla 14th Sep 13, 5:39 PM
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    Alchemilla
    Adult camp sounds great fun.
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
    • Happier Me
    • By Happier Me 14th Sep 13, 6:16 PM
    • 375 Posts
    • 815 Thanks
    Happier Me
    Hi Watty1

    Good luck on your mortgage free journey. Like you my food bill is my weakness - it's sky high for a family of four and I still spend on takeaways and fast food.

    Meal planning and packed lunches is the way to go for us too and it has been working well for the last few weeks. It's worked in the past too I just need to stay focused.

    Good luck with programming the OWL. We have one too but we also have solar panels on the house so not sure if this will be the same make and model.
    • Watty1
    • By Watty1 15th Sep 13, 3:50 PM
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    Watty1
    Yesterdays wedding was fab. And such an inspiration as the reception was in a farmers barn, with a few fairy lights and the catering done by guests ... everyone was asked to bring food and their own drink. And it was charming. Bit cold but charming none the less. And the catering. Wow! There was way more food than if they had done a buffet I'm sure and so lovely to just wander around the tables with borrowed seats or hay bales and chat to folk. I loved it. And was truely inspired.

    Today was shaping up to be a good day with sun shining despite the forecast. Took the dog to his training class this morning, and we get the class for free as a long time ago I helped the trainer find the location and somehow that morphed into me getting free classes.

    But the dog and I were sidetracked by lunch in the local pub and one roast lamb, mineral water and coffee later we were down on the day!! Then bought a sunday paper, and as I handed over the £2 for the paper I thought ummm...thats another £2 I could have saved. Picked up 2pence on the floor though

    Home, mucked out the two horses and thought would take the dog blackberrying but then the heavens opened so back inside. Dog gently snoring by the woodburning stove and I'm now about to try a meal plan for the week having reviewed the contents of the freezer and cupboard. Having read Tilly's diary batch cooking seems a fab idea so might actually just make extra large portions of some things as a starting plan.

    Also going to read up on the oldstyle board for some moneysaving food ideas. More later.
    • FloppyDisk
    • By FloppyDisk 15th Sep 13, 4:06 PM
    • 493 Posts
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    FloppyDisk
    Oh dear what have I started Watty! it sounds like you hace already made the bulk outlay, you're pretty much there towards having an business and income!
    And the wedding sounds right up my street to, what lovely weekend. Just off to take the dogs out here too, none of the forecasted rain has arrived which is a shame as I love snuggling up when it chucks it down!
    July 2012 £139,642 / Nov 2017 £111,504
    EF - £11,504/£25,000
    • Watty1
    • By Watty1 15th Sep 13, 8:05 PM
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    Watty1
    The reason for our very high food bill has become clear. Before sitting down to *meal plan* I reviewed the fridge. A number of items were sporting white furry jackets making them only fit for the recycling green bin. And the rest....well... I fondly imagined sitting by the stove with a cookery book or two and being inspired to write a list of wonderful meals I would rustle up on a shoestring next week. Then reality hit

    There were a number of items in that fridge that needed using up before they too grew those white fluffy jackets.

    One sweet potato was very soft almost liquid but the rest have been turned into sweet potato and chilli soup. (Theres enough for the freezer as well as this evening).

    A sort of salsa salad has been made out of a cucumber and 3 tomatoes desperately in need of being used up. With a red onion, some spring onions and a splash of soy sauce, olive oil and lime juice it looks rather yummy. A bag of salad leaves from the village was carefully sorted through, washed and popped into a salad server ready for meals. A number of the leaves were really not making an effort to survive....but...rather than chuck the lot I have rescued most. This is a first for me. Normally I would just bin them all.

    An onion has been chopped ready to add to the cold cooked potatoes I found so we can have a spanish omelette (I'll add some peas from the freezer to that). Served with that salasa.

    The salvagable part of a green pepper was chopped, added to a yellow pepper and the remains of some celery and an onion and is ready to be turned into a stew with some defrosting chicken. There should be enough there to make a meal serving plus 2 or 3 portions for the freezer. I love that I have a pot with all the chopped veggies ready to make the stew.

    Finally there are enough carrots and half a white cabbage so coleslaw towards the end of the week with burgers and buns from freezer. And broccoli and some cabbage that will do as veggies if they can hang on in there till later in the week and there is chicken and fish in the freezer as a protein source. And lots of spuds. So easy!

    My shopping list consists of bananas, a small tub of single cream (so I can make pasta eggs and bacon to use up the bacon) parsley (to add to the pasta dish) and some philly cheese so I can make another vat of soup using a squash I've found. And some fruit .....because Mr Watty eats a lot of that.

    So, a tiny shopping list, and, if I cook some chicken from the freezer I can even manage a packed lunch for the one day Mr W needs one if he agrees to take a lot of that salsa with him. I might just pack it up for him to make sure it goes with him!

    What is so exciting is that last week I pretty much lived out of the fridge and freezer. But this week, I've made an effort to "use up"...

    I'm actually proud of myself
  • EchoDelta
    Well done Watty! Great stuff.
    Sealed Pot Challenge - No. 117
    Bank of Mum & Dad - £3150/£10,000 (£6850 to go) Bank of In Laws - £4600/£12,000 (£7400 to go)
    MFW - MFD - 5 Apr 2029 5 June 2025 : AIM = NOV 2019 (back up aim = MAR 2023)
    • Watty1
    • By Watty1 16th Sep 13, 9:27 AM
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    Watty1
    Thanks for the encouragement EchoDelta. Making breakfast this morning, I was so excited to see everything in the fridge organised.

    Just need to decide what to do with so many lemons gently resting in the fridge. Goodness knows how so many got there. Surely I didnt' buy them? Whatever was I thinking???
    • Watty1
    • By Watty1 16th Sep 13, 9:39 AM
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    Watty1
    Oh dear what have I started Watty! it sounds like you have already made the bulk outlay, you're pretty much there towards having an business and income!
    Originally posted by FloppyDisk
    Your comment provided the inspiration and I LOVE the idea . There is a lot to do if I am to make it real though, I have to learn to reverse a trailer for a start! And I will need a means of getting the kit to places, so a landrover and a trailer. Mr W thinks, after some research, he can build a suitable trailer for about £300. I thought he would poo poo the idea but he was surprisingly supportive once he realised I had no intention of starting till we had paid off the mortgage and got a savings pot sorted. He did say he couldnt see how I could do it whilst running my current business, and no, I dont either. But one thing at a time. Lets get the mortgage sorted whilst holding the idea and see where it takes me..... I'll keep you updated!
  • EchoDelta
    Just need to decide what to do with so many lemons gently resting in the fridge. Goodness knows how so many got there. Surely I didnt' buy them? Whatever was I thinking???
    Originally posted by Watty1
    Haha! With us it is always cucumber.

    Sounds like you need to make some lemon drizzle cake .....*drools*
    Sealed Pot Challenge - No. 117
    Bank of Mum & Dad - £3150/£10,000 (£6850 to go) Bank of In Laws - £4600/£12,000 (£7400 to go)
    MFW - MFD - 5 Apr 2029 5 June 2025 : AIM = NOV 2019 (back up aim = MAR 2023)
    • LauraJo
    • By LauraJo 16th Sep 13, 4:53 PM
    • 1,002 Posts
    • 5,610 Thanks
    LauraJo
    Ah there you are!! I am too fascinated by the poo hoover and it probably should go on the 'must list' if my field goes ahead. I love the way you justify the cost of it by the long term saving and going to use that with my OH lol!
    I think the idea of renting out your machines is top! I'd hire a topper!
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
  • sadbrokegirl
    need some help please!
    Hi everyone,

    I am trying to be debt free and Im geting there big part due this site, my situation now is that I still owe a total £5222 ( from a total of £10945) but Im sorting it out.
    In Oct will be receiving £2000 from my brother (family arrangements) I would Like to pay my bill with Natwest that is the following:

    Natwest student account £1099
    Natwest loan £1336 ( I already defaulted and asked PPI and got, so this is what is left to pay)
    Which makes a total of £2435 but I would like to settled on £2000 (at its 80% of what is left) they keep changing the collection companies ( in Abril they gave me a company I start to pay £60 a month by May the company told me they are not dealing with my case anymore) since then I havent received any name of other company.
    Should I just go to a Natwest branch and ask to settle then and there? Or should I write to them and ask for the setlement?

    Thank you for the advice.
    • Watty1
    • By Watty1 17th Sep 13, 12:46 PM
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    • 19,891 Thanks
    Watty1
    Ah there you are!! I am too fascinated by the poo hoover and it probably should go on the 'must list' if my field goes ahead. I love the way you justify the cost of it by the long term saving and going to use that with my OH lol!
    I think the idea of renting out your machines is top! I'd hire a topper!
    Originally posted by LauraJo
    Thanks for the encouragement! I mentioned this to OH today and his comment was that I need to learn to reverse first so I look more professional! Haha. He has a point.

    And we only bought the kit because we couldnt find someone to come and do it for us. And have topped for a neighbour a few times as she is a pal. Once the mortgage is down I'm gong to start on the business plan. Totally looking forward to it now!
    • Watty1
    • By Watty1 17th Sep 13, 12:48 PM
    • 2,863 Posts
    • 19,891 Thanks
    Watty1
    Hi everyone,

    I am trying to be debt free and Im geting there big part due this site, my situation now is that I still owe a total £5222 ( from a total of £10945) but Im sorting it out.
    In Oct will be receiving £2000 from my brother (family arrangements) I would Like to pay my bill with Natwest that is the following:

    Natwest student account £1099
    Natwest loan £1336 ( I already defaulted and asked PPI and got, so this is what is left to pay)
    Which makes a total of £2435 but I would like to settled on £2000 (at its 80% of what is left) they keep changing the collection companies ( in Abril they gave me a company I start to pay £60 a month by May the company told me they are not dealing with my case anymore) since then I havent received any name of other company.
    Should I just go to a Natwest branch and ask to settle then and there? Or should I write to them and ask for the setlement?

    Thank you for the advice.
    Originally posted by sadbrokegirl
    I've no idea SadBrokeGirl. How about reposting this in the debt free forum? I'll bet there will be lots of folk over there who will be able to help. Good luck though. And well done on acheivements so far.
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