Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,791Posts
    • 19,418Thanks
    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 135
    • Watty1
    • By Watty1 1st Sep 17, 1:34 PM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    Back from hols. My goodness Sweden was an expensive country! But back and with enthusiasm for rebuilding everything.
    All washing being done and office getting straight
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • apple muncher
    • By apple muncher 1st Sep 17, 7:32 PM
    • 6,330 Posts
    • 46,069 Thanks
    apple muncher
    Welcome back to Blighty!
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • atypicalblonde
    • By atypicalblonde 1st Sep 17, 8:28 PM
    • 2,372 Posts
    • 14,636 Thanks
    atypicalblonde
    Welcome back lovely xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 10.9.17 - £122,780
    Aiming to be MF 1.10.2020
    • Watty1
    • By Watty1 2nd Sep 17, 10:17 PM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    Thanks. Back and straight. Lovely hack on Most Handsome and I walked into a field. Now this might not sound much but a year ago I would have had a panic attack at being in an open field on him. We didn't go in far, but, now I've found an open field a short walk from home we will be popping in each time we hack that way and go a little further in each time. Baby steps
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • smallholdingsister
    • By smallholdingsister 3rd Sep 17, 2:03 AM
    • 3,320 Posts
    • 26,034 Thanks
    smallholdingsister
    Well done Most Handsome!
    • EatingTheElephant
    • By EatingTheElephant 3rd Sep 17, 7:50 AM
    • 1,105 Posts
    • 5,963 Thanks
    EatingTheElephant
    Welcome back, hope the holiday was enjoyable even if it was expensive.

    Well done for walking in the field (having ex racers I know how daunting it is!). It's great when you find opportunities close by like that.
    • greent
    • By greent 3rd Sep 17, 9:11 AM
    • 6,210 Posts
    • 62,934 Thanks
    greent
    Welcome home
    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) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1552/2017 items
    • FloppyDisk
    • By FloppyDisk 3rd Sep 17, 9:24 AM
    • 464 Posts
    • 3,523 Thanks
    FloppyDisk
    Open fields as the stuff of nightmares. Very good idea to exposure yourself slowly. To riding in fields.
    MFW July 2012 £139,642 /
    Sept 2017 £112,174
    • Watty1
    • By Watty1 5th Sep 17, 8:57 PM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    And yesterday managed another open field. 8 strides in this time then turned and just stood there. And breath. Fantastic. Go me!


    Busy day, but had lunch bought for me by pal which was a treat. Then this evening went running. Have joined a club £19 a month as I think that will give me the motivation to keep running through the winter. Am with the 'rusty runners' group which is really lovely ...started at 3.5 k last week and 4 k this week. Aiming to build to 5 k over the next few weeks then will do 5 k over the winter. Now off to buy a light for dark evenings.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • apple muncher
    • By apple muncher 5th Sep 17, 9:24 PM
    • 6,330 Posts
    • 46,069 Thanks
    apple muncher
    Love the 'rusty runners' concept!
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 6th Sep 17, 9:01 AM
    • 27,745 Posts
    • 151,705 Thanks
    Karmacat
    Good idea to do running - working with Most Handsome like that needs a lot of emotional energy, so running as well is a really good compromise.
    Retired August 2016
    • Watty1
    • By Watty1 6th Sep 17, 9:12 AM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    The running isn't exactly enjoyable - but - sense of achievement is so keeping going. Also, think it might do my mental health a lot of good.
    Busy day ahead. Plan is for horse dentist this morning, hair cut this afternoon, answer emails for work, check designs for two work leaflets and routine work. All a bit of a squeeze ...also need to send apology to friend. Didn't make her birthday party at the weekend. Plan to fib a bit. Real reason was Mr Watty had to work and I couldn't face going on own. Don't really want to admit that though.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Karmacat
    • By Karmacat 6th Sep 17, 9:24 AM
    • 27,745 Posts
    • 151,705 Thanks
    Karmacat
    You're telling the truth to yourself, and protecting yourself in RL with a little white lie. It's okay
    Retired August 2016
    • Watty1
    • By Watty1 6th Sep 17, 9:35 AM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    aww thanks KC x
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Watty1
    • By Watty1 6th Sep 17, 6:05 PM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    not got a lot done. Had hair cut and journey home took an hour and a half ...eeek!! Don't children walk home from school anymore? Traffic was awful. Now all behind self
    am back to decluttering but with a slightly new emphasis. Have dusted off the vision board I made a while ago and am now focusing on that. It seems to me I have a lot of the elements of my vision board in place but they just need refining. A decluttered house is one part (OK so it might not look like the place on the vision board but lets see).
    The spare room bed was covered in stuff that had been on ebay but not sold, so, rather than relist it, I popped it all in a carrier bag and donated it. Along with a shirt I had been going to wear and decided was particularly unflattering. Rather than wear clothes out and chunk they can go out now......
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • smallholdingsister
    • By smallholdingsister 6th Sep 17, 7:00 PM
    • 3,320 Posts
    • 26,034 Thanks
    smallholdingsister
    All the parents giving lifts to their precious Year 7s. By November they'll be walking.
    • Watty1
    • By Watty1 7th Sep 17, 6:01 PM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    Still trying to pull self back up and into the world. The fields had got into a very messy state with no poo picking (for non horsey readers the poo does need to be cleared off fields!) so £45 spent today having someone help do that. Money well spent. Place looks so much more cared for......
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • apple muncher
    • By apple muncher 7th Sep 17, 7:48 PM
    • 6,330 Posts
    • 46,069 Thanks
    apple muncher
    Is 'professional poo picker' a job title?!
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 8th Sep 17, 9:44 AM
    • 27,745 Posts
    • 151,705 Thanks
    Karmacat
    I hope the poo goes somewhere to break down a little bit so it can be put on the garden

    Good to hear that you're taking care of yourself as much as you can, even though things are still tricky.
    Retired August 2016
    • Watty1
    • By Watty1 8th Sep 17, 10:26 PM
    • 2,791 Posts
    • 19,418 Thanks
    Watty1
    Is 'professional poo picker' a job title?!
    Originally posted by apple muncher

    What a wonderful one if it were


    I hope the poo goes somewhere to break down a little bit so it can be put on the garden
    Originally posted by Karmacat
    It does rot down on our muck heap but we can't give it away at the speed the horses produce it so at once or twice a year I pay a local farmer to take it away .....


    Can't believe another day has flown by. Had plans which amounted to nothing and here I am at nearly half past ten ...having said good night to ponies and dog and kitten is pottering about somewhere. Good day, collected a saddle from a pal that was on loan to her but she never used, so, am going to try on Most Handsome, lunch with a pal and then back for a couple of hours work then out for an Indian, not MSE but by then was too frayed to think of anything. Managed to arrange a wedding present for the couple whose wedding we are going to tomorrow. Am having a plate painted to represent them and their wedding so should have a few pics of their dogs and their careers and then one of them in front of church with names and dates.... hopefully they will love it. And it was a very reasonable (for a unique gift) £85.
    Now off to bed ....need to sleep as early start tomorrow.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

310Posts Today

3,230Users online

Martin's Twitter
  • RT @iiSteveJonesii: @MartinSLewis After watching you talk this morning about me burning £300 I got on a comparison site tonight & sure enou?

  • In or near York? This Wed the @itvmlshow Roadshow" will be at the York Food & Drink Festival - do come and say hi; St Sampsons Square 11-4.

  • It's the subtle poetry and lyricism of tweets like this that I find so endearing https://t.co/XhSKBCGyXe

  • Follow Martin