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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,713Posts
    • 18,877Thanks
    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 131
    • armchairexpert
    • By armchairexpert 17th Apr 17, 7:36 AM
    • 286 Posts
    • 1,935 Thanks
    armchairexpert
    Hi Watty, would you believe I've read all 130 pages of your lovely thread over the past few days? It's been so entertaining and so useful. I'm so glad that you have kept posting. I've got a lot of inspiration from the fact that you're so focused on the overall picture of being, not just mortgage-free, but set up so you can scale back the work. It's inspired me to create a spreadsheet which (I hope - not very good at spreadsheets) will project all our future goals and flag the peaks and troughs of spending so I can see what we'll need when in order to get to the end.

    Kitty sounds just lovely, how nice that she's become a house kitten! I have two cats, and free-range chickens, and I'm about to dog-sit a friend's pooch for a few days - hiddenshadow's post was very useful, thank you!

    Anyway, consider another person out there cheering for you!
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    1 April 2017 $223,500
    • atypicalblonde
    • By atypicalblonde 17th Apr 17, 12:17 PM
    • 2,030 Posts
    • 11,467 Thanks
    atypicalblonde
    Watty I'm sorry you've been having a tough time. Sending you huge hugs - I am always in awe of you xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 22.3.17 - £129,998.19
    Look after the pennies and the pounds will take care of themselves
    • Watty1
    • By Watty1 17th Apr 17, 10:32 PM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    It's lifechanging, isn't it - I really like that.

    I was just reading back about the flowers too ... oh my word, £600! That's an awful lot of money, and I love the idea of finding mse ways to do things. Don't know your circumstances, but what about growing flowers in the front garden to use in the house? Can't use the front to grow food, usually, because of pollution from cars, but flowers are a different matter?

    And I saw someone with bunches of forsythia in vases the other day, that was rally beautiful too. Has to be pruned, after all, doesn't it
    Originally posted by Karmacat

    We don't have a front garden. During the rennovations we put slate over the entire front garden as we were fed up with the dirt and mud. Many a time I have regretted that since
    I have a patch which I am thinking I will grow sweet peas on this year and maybe some sunflowers too. Any other thoughts for quick simple easy to grow cut flowers welcomed
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Watty1
    • By Watty1 17th Apr 17, 10:34 PM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    Hi Watty, would you believe I've read all 130 pages of your lovely thread over the past few days? It's been so entertaining and so useful. I'm so glad that you have kept posting. I've got a lot of inspiration from the fact that you're so focused on the overall picture of being, not just mortgage-free, but set up so you can scale back the work. It's inspired me to create a spreadsheet which (I hope - not very good at spreadsheets) will project all our future goals and flag the peaks and troughs of spending so I can see what we'll need when in order to get to the end.

    Kitty sounds just lovely, how nice that she's become a house kitten! I have two cats, and free-range chickens, and I'm about to dog-sit a friend's pooch for a few days - hiddenshadow's post was very useful, thank you!

    Anyway, consider another person out there cheering for you!
    Originally posted by armchairexpert

    Oh my goodness, you read the lot. Phew!! And thank you
    Plans are afoot for this year






    Watty I'm sorry you've been having a tough time. Sending you huge hugs - I am always in awe of you xx
    Originally posted by atypicalblonde


    thank you
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Watty1
    • By Watty1 17th Apr 17, 10:36 PM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    Well that is Easter done and dusted. A lovely but possibly expensive Easter in that we ate tapas at local place and had afternoon tea out after puppy training class and I had a roast at local pub. Plus bought a rather lovely plant to go on patio....and there was my claiming I had got frugal somehow. Maybe not
    Tomorrow plans begin for the next stage of the MFW journey.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • themadvix
    • By themadvix 18th Apr 17, 10:11 AM
    • 698 Posts
    • 2,753 Thanks
    themadvix
    Sounds like you've had a lovely weekend Watty and that you're a bit brighter too.

    Looking forward to hearing about the plans!
    OPs 2017 = £1300/£10000
    S&S ISA = £100/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance Feb 2017: £103, 019.99
    MFW2017 no. 38
    • Karmacat
    • By Karmacat 18th Apr 17, 10:35 AM
    • 27,101 Posts
    • 145,200 Thanks
    Karmacat
    We don't have a front garden. During the rennovations we put slate over the entire front garden as we were fed up with the dirt and mud. Many a time I have regretted that since
    I have a patch which I am thinking I will grow sweet peas on this year and maybe some sunflowers too. Any other thoughts for quick simple easy to grow cut flowers welcomed
    Originally posted by Watty1
    Slate chips can always be raked up. Slabs can be levered up, and apart from maybe a bit of sand to settle them in, the original soil is still there, yes?

    You can still vote *no* to dirt and mud and presumably you want something really simple? Ox eye daisies just sit there and do their thing. Tulip bulbs? For height, a rambling rose, or courgette flowers are pretty spectacular? What flowers do you like in the house?

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Watty1
    • By Watty1 18th Apr 17, 10:03 PM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    Slate chips can always be raked up. Slabs can be levered up, and apart from maybe a bit of sand to settle them in, the original soil is still there, yes?

    You can still vote *no* to dirt and mud and presumably you want something really simple? Ox eye daisies just sit there and do their thing. Tulip bulbs? For height, a rambling rose, or courgette flowers are pretty spectacular? What flowers do you like in the house?

    Save
    Originally posted by Karmacat
    No there is a mass of hardcore under the slate. The original soil is long gone sadly! The front is my one big renovation I wish I had never .....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Watty1
    • By Watty1 18th Apr 17, 10:05 PM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    Spent the day working. I really do see why people get signed off with depression. I am not sure working is really helping me at all mood wise.
    £42 worth of cheques paid in. £3.99 item sold on bay of e. Going to call accounts software as costs too high. Hopefully I can get them down. Business been busy.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • AlexLK
    • By AlexLK 18th Apr 17, 11:10 PM
    • 5,566 Posts
    • 28,468 Thanks
    AlexLK
    Sorry to hear things are tough with work.

    Glad you've have a nice Easter, though.
    Savings 2017: £1490. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • Karmacat
    • By Karmacat 19th Apr 17, 11:55 AM
    • 27,101 Posts
    • 145,200 Thanks
    Karmacat
    Oh watty! Okay, stick a gro bag on the hardstanding, and go for it. I'm sorry things are so tough hoping you can find your way through.
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • greent
    • By greent 19th Apr 17, 12:55 PM
    • 5,700 Posts
    • 57,627 Thanks
    greent
    No there is a mass of hardcore under the slate. The original soil is long gone sadly! The front is my one big renovation I wish I had never .....
    Originally posted by Watty1
    Some stonkingly large pots with 'statement' planting in? An old tin bath full of semperveriums (or whatever the word is) with interesting and colourful grasses at the back? A huge pot with an acer in? Bright blue pots with variegated bushes in? A camellia in a large pot?

    xx
    Repaid mtge early (orig end 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
    Next up: BTL Mtge Op Bal £69786. Cur Bal £67286 - 2017 target (18) £1000/£3286
    Net sales 2017 £435.84/£500 PAYDOX17 £8983/£10k Apr GC £265.66/£500 NSD 12 Decluttered 691/2017 items
    • LadyGnome
    • By LadyGnome 19th Apr 17, 3:13 PM
    • 378 Posts
    • 1,413 Thanks
    LadyGnome
    Hi Watty
    Sorry to hear you have been down. Lovely news about the kitten. Great news about the spending too. I know someone who gets caught in the spending to cheer herself up and then getting depressed about the amount she has spent cycle and it is hard to watch.


    Cornflowers are easy to grow and the bees love them. If you want a low maintenance front garden you could go with an oriental type theme with bamboo and grasses in pots.
    Last edited by LadyGnome; 19-04-2017 at 7:41 PM.
    Mortgage
    Start Nov 2012 £310,000
    March 2017 £252,794.51 Reduction £57205.49
    MFW 2017 #42 £1373.80/£3100
    End Oct Sept 2034 but I have a cunning plan...
    • Watty1
    • By Watty1 20th Apr 17, 10:09 AM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    Some fab ideas there for the front here. Nice Thank you all very much. Will think on. The redo of the back garden has been perhaps the best £500 spent. A new lawn instead of the big bed and the plants removed and replanted in other areas to absolutely stuff the borders that remain so looks great. Will think about what I can do 'out front'. Liking the bright blue pots with statement bushes in idea. Currently have a large terracotta pot with a tree in which I absolutely love and a plastic pot (which is nice) by the front door. Will think on as moving is still a possibility just not willing to go to the other end of the country feeling so crappy
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • greent
    • By greent 20th Apr 17, 1:02 PM
    • 5,700 Posts
    • 57,627 Thanks
    greent
    The pots could be an investment anyway? -would perhaps mean you liked the front more if you stayed, would give 'kerb appeal' to any potential buyers if not - and any decent removal firm should be able to cope with large potted plants/ trees
    x
    Repaid mtge early (orig end 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
    Next up: BTL Mtge Op Bal £69786. Cur Bal £67286 - 2017 target (18) £1000/£3286
    Net sales 2017 £435.84/£500 PAYDOX17 £8983/£10k Apr GC £265.66/£500 NSD 12 Decluttered 691/2017 items
    • Watty1
    • By Watty1 21st Apr 17, 11:00 AM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    The pots could be an investment anyway? -would perhaps mean you liked the front more if you stayed, would give 'kerb appeal' to any potential buyers if not - and any decent removal firm should be able to cope with large potted plants/ trees
    x
    Originally posted by greent


    OK I am persuaded. Will keep a look out for both pots and plants over the next few months. No hurry but will do. Mr Watty has sprayed all the weed out there too.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Watty1
    • By Watty1 21st Apr 17, 5:05 PM
    • 2,713 Posts
    • 18,877 Thanks
    Watty1
    Updated signature as found I could make another small overpayment this month.


    And outsourced a piece of work. Will pay someone £250 max to do it. I could do it myself but I have been feeling so negative I can't muster the oomph needed. Think it was the right decision to outsource. I can then get on with updating business mailing list which requires less brain power and is a nice routine admin job that is settled about where I am just now.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • apple muncher
    • By apple muncher 21st Apr 17, 8:38 PM
    • 5,734 Posts
    • 41,876 Thanks
    apple muncher
    Well done on outsourcing the piece of work and looking after yourself.
    NST April #10; NSD 12; Ex 14; craft 66; remove 135
    2017 MFW#63 Pay off: £1720/£4000; 2
    017 sell 30

    Mortgage £27,295 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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