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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,490Posts
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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 112
    • Karmacat
    • By Karmacat 15th Oct 16, 9:15 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Definitely the food - that was a great job to link the business account, by the way - just shows how this builds up
    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 16th Oct 16, 9:56 AM
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    Watty1
    Definitely the food. Mr Watty drove the car he fixed into a bank yesterday. A roadside bank not a financial bank
    It needs a new headlight
    He did however glue the broken bits back together and tape it in place so at least the car can be driven - so long as there is day light
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Watty1
    • By Watty1 16th Oct 16, 9:59 AM
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    Watty1
    Can't you just use the nectar points for buying groceries at Sainsburys?
    Originally posted by PrincessLou
    I should add this didn't occur to me until I read this comment. Clearly I am not as MSE as I pretend to be
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Karmacat
    • By Karmacat 16th Oct 16, 11:16 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Good work of Mr Watty on taping the headlight tho My business partner used most of a roll of tape of mine when he arrived at my house for a meeting having just whacked something at the side, and his mirror was hanging by a thread. I can recommend tape
    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 16th Oct 16, 4:43 PM
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    Watty1
    Finally admitted I do not like the garden much, because of a few plants. I have been ignoring it as I don't want to spend money on it but I have now weeded and deadheaded and admit I just don't like it. So, drastic action. Cut down some grasses there were a mistake, I clearly bought the wrong variety as they have grown to nearly 2 metres tall, cut down two rosemary bushes that were dominating and now the bins are full. Need Mr Watty to dig out the roots despite trying for half an hour just cant get the things to budge. There are a couple of other things to go to that are just plain untidy. Instead want a few neat tidy evergreens that do not require continual looking after.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Karmacat
    • By Karmacat 17th Oct 16, 8:40 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Sounds like a courtyard garden might be the right way to go: adding variety through different surfaces - cobbles, slate, bark chippings, with your evergreens planted in the soil under the bark chippings? I sympathise.
    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 18th Oct 16, 6:40 PM
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    Watty1
    Sounds a good plan KC. The garden has a fantastic structural layout with a lovely bed running through the middle and a gravel and brick mix of steps. Mr Watty helped remove some of the grasses today and now the bin is full so work has stopped until the bin men have been. I've also made a list of suitable plants via an online shopping site that sounds like a spring bulb
    And in other news the new headlight arrived today - but - it was for the wrong car. Argh!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Karmacat
    • By Karmacat 18th Oct 16, 7:07 PM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Sounds lovely (except for the headlight!).

    And perennials rule, which includes bulbs (oh! I've just seen what you did there ignore me, I'm slow ).
    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 19th Oct 16, 3:08 PM
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    Watty1
    Overslept. Just made coffee with the three who work in a similar field. We try to meet up once a month at a local coffee shop. Lovely gossip. Now back at desk.
    Feel a bit overwhelmed by work I must admit. Oh and bites - was meeting new puppy on Monday and I seem to have been bitten either by cat fleas there or cat fleas somewhere else. Vicious whatsits they were. Would take an anti-histamine but then will be too sleepy to work. At least it's not a real problem.
    And we are going to get a puppy. Mr Watty really wants one. I still miss our old dog too much, but, compromise. And they were gorgeous.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • hiddenshadow
    • By hiddenshadow 19th Oct 16, 9:16 PM
    • 1,771 Posts
    • 8,018 Thanks
    hiddenshadow
    Puppy! I don't think I would ever adopt a baby dog since I don't fancy house training and I like the older guys anyway, but they are so cute. What breed?
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,799 (£6,724 offset)
    Payment 35/84 / 2016 MFW #56: £41,870/£43,000 97% / MFiT-T4 #15: £39,701/£90,000 44%
    • Watty1
    • By Watty1 20th Oct 16, 8:51 AM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    Puppy! I don't think I would ever adopt a baby dog since I don't fancy house training and I like the older guys anyway, but they are so cute. What breed?
    Originally posted by hiddenshadow

    Never having had a puppy no idea what we are letting ourselves in for!
    German Shepherd arriving in 3 weeks.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Karmacat
    • By Karmacat 20th Oct 16, 10:07 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Ooh, German Shepherd puppies! I saw one on the tube in London once, never seen such a fluffy bundle of a pup for a long time, utterly gorgeous - and thats me as a cat lover!

    The people through my party wall have 3 German Sheps, and although I think they're insane to do that in houses of this size, they're very well trained, only bark for 30 secs when someone comes home (or another dog walks by, fair enough!).
    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
    • hiddenshadow
    • By hiddenshadow 20th Oct 16, 11:20 AM
    • 1,771 Posts
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    hiddenshadow
    German Shepherd arriving in 3 weeks.
    Originally posted by Watty1
    Ooh, lovely. The one puppy I've raised was German Shepherd/Lab. Crazy smart, so that did help with house breaking. It also meant she could open the fridge, the cabinet with the rubbish bin, and the patio door to the back yard. Unfortunately she didn't really inherit the Lab temperament so while she was sweet, she viewed herself as clearly our superior and condescended to allow us to share her space, and would only respond to commands if she knew you had a treat for her. Especially in her older years she was quite blatant about flaunting the rules (not sleeping on the furniture, etc).

    Would love a GSD again, though it did take her until about age 5 to fully act adult and not puppy-like.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,799 (£6,724 offset)
    Payment 35/84 / 2016 MFW #56: £41,870/£43,000 97% / MFiT-T4 #15: £39,701/£90,000 44%
    • SueP19
    • By SueP19 20th Oct 16, 12:28 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Never having had a puppy no idea what we are letting ourselves in for!
    German Shepherd arriving in 3 weeks.
    Originally posted by Watty1
    Wow Watty, that's great news, we love German Shepherds...............................come on details how old etc
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • Watty1
    • By Watty1 20th Oct 16, 1:34 PM
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    • 17,593 Thanks
    Watty1
    Wow Watty, that's great news, we love German Shepherds...............................come on details how old etc
    Originally posted by SueP19
    Puppy is currently 4 weeks old
    GSD rescue turned me down on the basis we have a 5 bar gate onto the lane at the back of the house and post and rail fencing around the fields. I was shocked, after all the WattyDog was a German Shepherd and he never got out. (The post and rail fencing has rabbit proof mesh at the bottom and electric on top). GSD rescue wanted all replaced which quite frankly was ridiculous. Although the WattyDog was a rescue we had found out his breeders and this puppy is distantly related. He is huge and I am hoping he will be adorable. As our last dog didn't grow up until he was around 5 I am thinking puppy will be a puppy for quite a while.
    I did feel bad about buying until a friend who is a vet pointed out that the reason there are so many rescues needing homes are that there are too many dogs being bred and that the attitude of some rescues is deplorable. So donation to a dogs charity sent (who did not have any GSD's needing a home) and a puppy from a lovely family who have only ever bred 2 litters on its way.
    Mr Watty is already over excited
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Watty1
    • By Watty1 20th Oct 16, 2:19 PM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    Ooh, lovely. The one puppy I've raised was German Shepherd/Lab. Crazy smart, so that did help with house breaking. It also meant she could open the fridge, the cabinet with the rubbish bin, and the patio door to the back yard. Unfortunately she didn't really inherit the Lab temperament so while she was sweet, she viewed herself as clearly our superior and condescended to allow us to share her space, and would only respond to commands if she knew you had a treat for her. Especially in her older years she was quite blatant about flaunting the rules (not sleeping on the furniture, etc).

    Would love a GSD again, though it did take her until about age 5 to fully act adult and not puppy-like.
    Originally posted by hiddenshadow
    Yes just love the way a GSD knows it is a superior being
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • SueP19
    • By SueP19 20th Oct 16, 2:24 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Am shocked re GSD Rescue, we donate and follow on fb

    When we got our Samson April 15 we were accepted by 3 rescues despite being at work all day but we had been mum and dad to a real nutcase GSD. We didnt proceed with any of them because they all wanted to do was to tell us what we could have and it doesn't work like that. We got Samson of gumtree, paid for him but he had had multiple homes before us and is a bit damaged in a sad way.

    I totally agree with your vet friend, whilst rescue places should make sure dogs go to good homes their criteria is way off sometimes and they seem to think its alright for dogs to be held in kennels.

    Not surprised your excited I would be lolol

    PS Our last GSD we got from a breeder and I do shout at those dog programmes that imply buying a dog is a criminal offense......................oh and had a few rows with dog stalls raising money too lolol
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • EatingTheElephant
    • By EatingTheElephant 20th Oct 16, 9:58 PM
    • 605 Posts
    • 2,923 Thanks
    EatingTheElephant
    Exciting news Watty

    Look forward to those floppy over ears!
    • Watty1
    • By Watty1 21st Oct 16, 9:53 AM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    Freezer use up going well. Have thrown some fish though. Mr Watty refusing to eat it. One more week and we should be done. Have saved a lot doing this, so should feel the benefit at the end of the month.
    Plan to defrost freezer and then have another batch session of winter foods like stews. Inspired by the lovely Tilly I started having cooking days when I made lots for the freezer and it has been an excellent MS move. Thank you again Tilly
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Watty1
    • By Watty1 21st Oct 16, 10:03 AM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    Setting the date - Easter 2017 is freedom part 1
    In process of drawing up a spreadsheet showing where money is, interest rates etc. Outstanding mortgage is £68,801 with £14,825 in savings and S&S isa at £29873. The savings pot fluctuates as sometimes need to draw from it when we spend as I keep one of the current accounts very low but as of today £24103 is needed to become completely mortgage free and thus well on the way to independence. I have other plans to achieve the final part of independence but lets start with getting the basics covered - so here goes - time to put a date on it - aiming for Easter 2017 to be completely free of all debts including BTL Mortgage.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
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