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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,897Posts
    • 20,060Thanks
    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 132
    • Firegirl
    • By Firegirl 7th May 17, 3:28 AM
    • 722 Posts
    • 2,897 Thanks
    Firegirl
    I hope you're away having lots of fun Watty. Hope you pop back soon.
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022
    Current Mortgage Balance £197, 495
    Target for May 2018 - Somewhere inbetween 2 figures below!!
    19 Year Target Balance MF55= £205, 020
    14 Year Target Balance MF50= £191, 314
    • atypicalblonde
    • By atypicalblonde 7th May 17, 8:36 AM
    • 2,554 Posts
    • 16,364 Thanks
    atypicalblonde
    Thinking of you xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • apple muncher
    • By apple muncher 18th May 17, 8:25 PM
    • 6,640 Posts
    • 48,689 Thanks
    apple muncher
    Still missing you x Still thinking of you all.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • themadvix
    • By themadvix 19th May 17, 9:17 AM
    • 1,149 Posts
    • 6,693 Thanks
    themadvix
    Ditto, hope you're all okay. x
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • apple muncher
    • By apple muncher 19th May 17, 8:22 PM
    • 6,640 Posts
    • 48,689 Thanks
    apple muncher
    But no pressure to re-appear. We'll see you when you are ready xx
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • atypicalblonde
    • By atypicalblonde 19th May 17, 8:27 PM
    • 2,554 Posts
    • 16,364 Thanks
    atypicalblonde
    But no pressure to re-appear. We'll see you when you are ready xx
    Originally posted by apple muncher
    Ditto this xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • Karmacat
    • By Karmacat 20th May 17, 9:25 AM
    • 28,180 Posts
    • 155,262 Thanks
    Karmacat
    But no pressure to re-appear. We'll see you when you are ready xx
    Originally posted by apple muncher
    Thirded ... miss you, but you have to do what's right for you. We're friends, not demanding, but supporting.

    xxx
    Retired August 2016
    • greent
    • By greent 22nd May 17, 1:43 PM
    • 6,507 Posts
    • 65,678 Thanks
    greent
    Fourth-ed xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5278/£3286
    Net sales 2017 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • apple muncher
    • By apple muncher 29th Jun 17, 6:25 AM
    • 6,640 Posts
    • 48,689 Thanks
    apple muncher
    Still miss you. Still thinking of you. x
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 4th Jul 17, 5:12 PM
    • 6,507 Posts
    • 65,678 Thanks
    greent
    Hope we see you back soon... x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5278/£3286
    Net sales 2017 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • Watty1
    • By Watty1 29th Jul 17, 12:17 PM
    • 2,897 Posts
    • 20,060 Thanks
    Watty1
    I just logged in. Bless you all. You are so lovely. thank you for thinking of me. Well its been a bit of a rollercoaster but I am back here now. Not sure who will remember me but ...I am back and actually feeling better.


    Not a lot to report. I've sure had my moments lately but struggling/rocking on despite often feeling overwhelmed with just about everything. not much seems to have changed in Watty world but I will start posting again so .... onwards and upwards xx
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • greent
    • By greent 29th Jul 17, 1:05 PM
    • 6,507 Posts
    • 65,678 Thanks
    greent
    Welcome back - was just thinking of you earlier today xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5278/£3286
    Net sales 2017 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • CathT
    • By CathT 29th Jul 17, 1:10 PM
    • 5,381 Posts
    • 37,024 Thanks
    CathT
    Welcome back Watty.
    Dec 2017 -
    part 1 - £79,783
    part 2 - £45,999
    Total - £125,782
    • TallGirl
    • By TallGirl 29th Jul 17, 1:18 PM
    • 4,209 Posts
    • 8,677 Thanks
    TallGirl
    Great to see you back
    • atypicalblonde
    • By atypicalblonde 29th Jul 17, 5:35 PM
    • 2,554 Posts
    • 16,364 Thanks
    atypicalblonde
    Missed you sweetie xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 17.11.17 - £119,999.04
    Aiming to be MF 1.10.2020
    • EatingTheElephant
    • By EatingTheElephant 29th Jul 17, 6:09 PM
    • 1,162 Posts
    • 6,237 Thanks
    EatingTheElephant
    Missed you Watty, welcome back x
    • hiddenshadow
    • By hiddenshadow 29th Jul 17, 6:38 PM
    • 2,304 Posts
    • 10,327 Thanks
    hiddenshadow
    Welcome back Watty!
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Dec '17 £104,645
    2017 MFW #56: £15,022/£15,000 100% / MFiT-T4 #15: £54,854/£90,000 60%
    • A Frayed Knot
    • By A Frayed Knot 29th Jul 17, 7:41 PM
    • 2,133 Posts
    • 9,583 Thanks
    A Frayed Knot
    Good to hear your back. Missed your posts. Need all the helpful hints and tips you give. x

    Glad your feeling better.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • apple muncher
    • By apple muncher 29th Jul 17, 7:48 PM
    • 6,640 Posts
    • 48,689 Thanks
    apple muncher
    Not sure who would remember you, eh? You have been missed. Hope 'things' and 'stuff' become more bearable and less overwhelming for you. You are most welcome to join me in a team effort at mimicking the ostrich...
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 30th Jul 17, 7:06 AM
    • 7,756 Posts
    • 86,547 Thanks
    Tilly MFW in 6 YRS
    Hi Watty, hope things are calm and life is making you smile.

    Very best wishes Tilly xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
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