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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,488Posts
    • 17,587Thanks
    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 111
    • Watty1
    • By Watty1 7th Oct 16, 3:23 PM
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    • 17,587 Thanks
    Watty1
    Hi Watty, well done on keeping up with the lessons. Could you loan a cob? Would hubby ride out with you on said cob?
    Originally posted by FloppyDisk
    Am wondering about this. He could - not sure if he would - but he could
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Watty1
    • By Watty1 7th Oct 16, 3:25 PM
    • 2,488 Posts
    • 17,587 Thanks
    Watty1
    Today has the potential to be expensive. Mr Watty took my car - his still being at the station out - and broke down. Had to call breakdown service and have car towed back here so he can source replacement fuel pump. Initial prices suggest it would be cheaper to buy a new car (mine is very old) so he now has the bonnet up and is "tinkering". This may result in a fix or it may result it yet more parts needed. Only time will tell.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • EatingTheElephant
    • By EatingTheElephant 8th Oct 16, 8:30 AM
    • 605 Posts
    • 2,923 Thanks
    EatingTheElephant
    Fingers crossed the tinkering works, the garage couldn't fix our old 4x4 earlier in the year but hubby was determined it was not going to die yet and resurrected it!

    The cob sounds great (and expensive!). Is there anywhere you could ride out on a cob to get the same result? I had lessons on a GP dressage horse a few years back just to get the feel of what *should* be happening and to give me some confidence.
    • hiddenshadow
    • By hiddenshadow 8th Oct 16, 8:52 AM
    • 1,768 Posts
    • 8,006 Thanks
    hiddenshadow
    The cob sounds great (and expensive!). Is there anywhere you could ride out on a cob to get the same result? I had lessons on a GP dressage horse a few years back just to get the feel of what *should* be happening and to give me some confidence.
    Originally posted by EatingTheElephant
    Oh gosh, me too, and it was amazing. HARD, as this was a 17.3h old school Hanoverian who was 23 and very lazy , but the feeling of being able to do (for him) very basic things so easily was amazing. I really want to work on my dressage when I get back into riding, so I'm hoping I can find a similar situation (I was eventing but boarding/training with a GP dressage rider).
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,900 (£6,628 offset)
    Payment 35/84 / 2016 MFW #56: £41,769/£43,000 97% / MFiT-T4 #15: £39,600/£90,000 44%
    • Karmacat
    • By Karmacat 8th Oct 16, 9:16 AM
    • 26,542 Posts
    • 140,120 Thanks
    Karmacat
    What's Mr Watty doing to the cars


    Sorry, I couldn't resist!
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Watty1
    • By Watty1 8th Oct 16, 11:59 AM
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    Watty1
    Thinking over the suggestions re riding. My issues seem to be that I am fine in open spaces with someone and a 'safe cob type' so just going and doing elsewhere means I seem fine. On my own with 'safe cob type' I panic but safe cob type ignores this! Most Handsome cannot ignore any kind of fretfulness in Watty and fleas from the lions, paperbags, nasty looking leaves etc he is certain are about to attack.


    Will continue mulling over.


    The fuel pump has had to be replaced but a cheaper one sourced and picked up today. Another part required that can be collected Sunday. Car should be back on the road Monday.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • greent
    • By greent 8th Oct 16, 11:08 PM
    • 5,192 Posts
    • 52,298 Thanks
    greent
    Up late as had to collect Mr Watty from train station. He fell asleep on the train, missed the station. Luckily phoning him worked and he woke to get off at next station. Drove there to pick up a somewhat happy and drunk Mr Watty whose conversation left much to be desired
    Originally posted by Watty1
    this is just the kind of thing my OH would do!!!

    Glad Mr Watty has been able to sort car

    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £772.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • Watty1
    • By Watty1 12th Oct 16, 2:09 PM
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    Watty1
    The car is not yet fixed. Two pumps have been supplied, both wrong, the cold start mechanism broke and ...so did some "plastic bits".


    And now I have an email saying an account paying 5% interest now paying 3% from January and on £1500 only.


    Not the best of times but not the worst either
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • smallholdingsister
    • By smallholdingsister 12th Oct 16, 4:49 PM
    • 2,503 Posts
    • 19,522 Thanks
    smallholdingsister
    When the petrol pump went on my moggie a sharp tap with a hammer used to do the trick.
    I expect your car is rather more complex though.
    • Watty1
    • By Watty1 12th Oct 16, 6:40 PM
    • 2,488 Posts
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    Watty1
    I dread to think what other "bits" could be shattered by Watty wielding a hammer
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Watty1
    • By Watty1 13th Oct 16, 9:09 AM
    • 2,488 Posts
    • 17,587 Thanks
    Watty1
    Caught up on some threads. Now off to make a quiche. Yep... you did read that right. I have discovered the joy of a homemade sun dried tomato quiche. Always thought pastry and 'difficult cooking' beyond me but surprising what a bit of encouragement reading these boards brings.
    Also caught up on the CCC and delighted to report I am still within budget for clothes. Really this is because I carefully excluded yard/riding things from the budget - but delighted to report I have actually gone a whole 9 months without buying very much at all.
    Quite incredible the transformation one undergoes on these boards
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Watty1
    • By Watty1 13th Oct 16, 4:09 PM
    • 2,488 Posts
    • 17,587 Thanks
    Watty1
    Drumroll: the car is fixed
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Karmacat
    • By Karmacat 13th Oct 16, 7:23 PM
    • 26,542 Posts
    • 140,120 Thanks
    Karmacat
    Good stuff! I must admit, I cheat on pastry - I use a crumble whenever I can
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • EatingTheElephant
    • By EatingTheElephant 13th Oct 16, 7:57 PM
    • 605 Posts
    • 2,923 Thanks
    EatingTheElephant
    Well done on the cooking and the clothes and the car. I've not mastered quiche yet so I'm impressed, I make a mean chocolate brownie though
    • AlexLK
    • By AlexLK 13th Oct 16, 11:21 PM
    • 5,121 Posts
    • 25,854 Thanks
    AlexLK
    Quiche sounds good, do you have a recipe?

    Glad to hear your car is back on the road.
    Savings 2016: £9,790.
    £32,000 in debt on 2/9/2013. Debt free on 12/1/2015.
    Saved £11,000 in 2015.

    • Watty1
    • By Watty1 14th Oct 16, 11:23 AM
    • 2,488 Posts
    • 17,587 Thanks
    Watty1
    Quiche sounds good, do you have a recipe?
    Originally posted by AlexLK
    Delia .. Delia every time. She never lets one down




    Glad to hear your car is back on the road.
    Originally posted by AlexLK
    The car is grateful for all the well-wishers on here Havent actually chanced driving it yet in case there is something else up. Saving that for the weekend.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Watty1
    • By Watty1 14th Oct 16, 11:26 AM
    • 2,488 Posts
    • 17,587 Thanks
    Watty1
    In financial news I got an email from nectar - was about to bin it when I checked my points - I linked a business account to the scheme and discovered I have just shy of £200 worth of points. This has been building up for some time.
    If only there was something I wanted to buy! All this decluttering means there isn't much I actually want that is available from ArgOs which seems the only place I can spend the points!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • PrincessLou
    • By PrincessLou 14th Oct 16, 1:13 PM
    • 461 Posts
    • 1,755 Thanks
    PrincessLou
    In financial news I got an email from nectar - was about to bin it when I checked my points - I linked a business account to the scheme and discovered I have just shy of £200 worth of points. This has been building up for some time.
    If only there was something I wanted to buy! All this decluttering means there isn't much I actually want that is available from ArgOs which seems the only place I can spend the points!
    Originally posted by Watty1
    Can't you just use the nectar points for buying groceries at Sainsburys?
    Mortgage - £112,900
    • AlexLK
    • By AlexLK 14th Oct 16, 3:57 PM
    • 5,121 Posts
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    AlexLK
    Will have to look it up (quiche). No idea what it'll turn out like with me having ... probably into a joint effort between my wife and I.

    You can indeed use Nectar in Sainsburys. In true tight northerner style, we use our Nectar points to buy food for Christmas food hampers which we send to in-laws etc as gifts. Probably sounds a rather rubbish gift but they are the type of people who won't have a piece of chocolate all year, so it seems to work very well.
    Savings 2016: £9,790.
    £32,000 in debt on 2/9/2013. Debt free on 12/1/2015.
    Saved £11,000 in 2015.

    • Watty1
    • By Watty1 14th Oct 16, 4:29 PM
    • 2,488 Posts
    • 17,587 Thanks
    Watty1
    The food is probably the best plan but I will be nice to Mr Watty first. A quick check of the website means I am going to ask Mr Watty if he would like to replace the upstairs TV. I never watched it so happily used it for the CCTV system but Mr Watty did. He has never minded, but, if we can replace it for free it might be a nice gesture on my part to find out if he would like to (especially as we have just over £300, I made a mistake on earlier post).
    I think food is the best plan as I could just switch that money to the overpayment pot - but - it is a bonus freebie as it were and I will be nice first
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
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