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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,791Posts
    • 19,420Thanks
    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 136
    • hiddenshadow
    • By hiddenshadow 10th Sep 17, 8:15 PM
    • 2,223 Posts
    • 10,052 Thanks
    hiddenshadow
    The plate sounds lovely. And £45 sounds like money well spent on a professional poo picker, especially once it's built up.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • Watty1
    • By Watty1 12th Sep 17, 1:56 PM
    • 2,791 Posts
    • 19,420 Thanks
    Watty1
    wedding was lovely. No real news. Am wondering how house can look so messy? and how work can build up into an overwhelming muddle pile?
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • apple muncher
    • By apple muncher 12th Sep 17, 5:31 PM
    • 6,331 Posts
    • 46,072 Thanks
    apple muncher
    It must be the spiders, playing while you are not there...
    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
    • Watty1
    • By Watty1 13th Sep 17, 10:09 PM
    • 2,791 Posts
    • 19,420 Thanks
    Watty1
    indeed it must. The spiders have left big muddy marks all over downstairs. And all over the sofa. And shredded a box. Dog says he nothing to do with him and set off after cat at speed......


    think have a cold starting. Was planning early night but PA decided to resign ..... somethings never go to plan!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Karmacat
    • By Karmacat 14th Sep 17, 10:55 AM
    • 27,748 Posts
    • 151,718 Thanks
    Karmacat
    Take care of yourself, Watty, you need all the self care you can get. And come on here to let us know too, if it feels right
    xxx
    Retired August 2016
    • Watty1
    • By Watty1 18th Sep 17, 12:33 AM
    • 2,791 Posts
    • 19,420 Thanks
    Watty1
    Big news. Dad died. Totally unexpected. Out of the blue. Mr Watty is away. He says he is staying where he is and focusing on what he is doing as there is nothing he can do if he rushes back home. He will be back Tuesday. Spent most of the evening on the phone to a friend. And now have found a glass of wine. This is so unexpected. And almost too much to take in. Two weeks ago we were discussing the adaptions to the cottage for him to come home again and now he never will. Phew.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Karmacat
    • By Karmacat 18th Sep 17, 8:44 AM
    • 27,748 Posts
    • 151,718 Thanks
    Karmacat
    Oh Watty, I'm so sorry to hear about your dad. And you're on your own till Mr Watty gets back? I'm glad you phoned your mate, and yes, had a glass of wine. Of course its almost too much to take in! Be especially kind to yourself, please, you've been having an awful time recently in any case, and a sudden death of a parent is horrendous

    My heart goes out to you.
    Retired August 2016
    • FloppyDisk
    • By FloppyDisk 18th Sep 17, 10:53 AM
    • 464 Posts
    • 3,523 Thanks
    FloppyDisk
    Oh Watty I'm so sorry, what a shock. Can Mr Watty review his decision to stay away for the week? Keep strong and be kind to yourself and have lots of animal cuddles and fresh air.
    MFW July 2012 £139,642 /
    Sept 2017 £112,174
    • muddywhitechicken
    • By muddywhitechicken 18th Sep 17, 10:57 AM
    • 3,712 Posts
    • 33,995 Thanks
    muddywhitechicken
    So sorry to read the sad news about Mr Watty's dad
    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£42,000
    Current total overpayments: ~£116,250
    • atypicalblonde
    • By atypicalblonde 18th Sep 17, 11:24 AM
    • 2,374 Posts
    • 14,648 Thanks
    atypicalblonde
    Sending you a very large hug. I am sorry xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 10.9.17 - £122,780
    Aiming to be MF 1.10.2020
    • hiddenshadow
    • By hiddenshadow 18th Sep 17, 11:54 AM
    • 2,223 Posts
    • 10,052 Thanks
    hiddenshadow
    I'm so sorry, Watty.
    MFW: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • Watty1
    • By Watty1 18th Sep 17, 3:02 PM
    • 2,791 Posts
    • 19,420 Thanks
    Watty1
    Cup of tea and a catch up read on here. I am exhausted. Which I think was to be expected. Managed to do some work today which was needed. Have cancelled an event I was speaking at on Thursday with many apologies. I cant face doing it. The organiser was very nice and we have rescheduled for next month. Tea drunk now going to pack the orders for work. The downside of self employment is one can't just phone in and skip the day ......
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Karmacat
    • By Karmacat 18th Sep 17, 4:23 PM
    • 27,748 Posts
    • 151,718 Thanks
    Karmacat
    Well, thats true a bit, but what you might do is put a notice up on the website saying there's a week's delay for a family bereavement, or put your email on automatic reply saying the same thing, sorry, there'll be a delay. Of course you're exhausted, it's real. I'm so sorry it's real.

    xxx
    Retired August 2016
    • apple muncher
    • By apple muncher 18th Sep 17, 7:57 PM
    • 6,331 Posts
    • 46,072 Thanks
    apple muncher
    Oh Watty. That's what happened with my dad last year - completely out of the blue. I do feel for you so much and send you lots of hugs and prayers. I know kitty doesn't do cuddles but I hope she is around and near you.
    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
    • Watty1
    • By Watty1 18th Sep 17, 8:15 PM
    • 2,791 Posts
    • 19,420 Thanks
    Watty1
    Well, thats true a bit, but what you might do is put a notice up on the website saying there's a week's delay for a family bereavement, or put your email on automatic reply saying the same thing, sorry, there'll be a delay. Of course you're exhausted, it's real. I'm so sorry it's real.

    xxx
    Originally posted by Karmacat
    That's a really good idea KC. I will put an automatic response on email. I'll look at doing that tomorrow. Although tomorrow I have to go to Sheffield. I did think about cancelling but after chatting with Mr Watty he really felt I should go as it has taken me nearly 6 months to get this meeting set up. so I will go. the rest can wait.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • Watty1
    • By Watty1 18th Sep 17, 8:16 PM
    • 2,791 Posts
    • 19,420 Thanks
    Watty1
    Oh Watty. That's what happened with my dad last year - completely out of the blue. I do feel for you so much and send you lots of hugs and prayers. I know kitty doesn't do cuddles but I hope she is around and near you.
    Originally posted by apple muncher
    Thanks AM.


    And...drumroll.. kitty is learning to do cuddles. She isn't that good at them but she is trying bless her. She woke me at 4.30 purring this morning whilst standing on me. I was delighted, I think her transition to pet is almost done.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • themadvix
    • By themadvix 19th Sep 17, 10:44 AM
    • 1,030 Posts
    • 5,460 Thanks
    themadvix
    So sorry to hear about Mr Watty's Dad, Watty. What a terrible shock it must have been.

    Glad kitty is learning to do cuddles - you need them! 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 Sep 17, 1:34 PM
    • 6,331 Posts
    • 46,072 Thanks
    apple muncher
    Hope your visit to Sheffield is a good one.
    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 20th Sep 17, 9:59 AM
    • 27,748 Posts
    • 151,718 Thanks
    Karmacat
    Yep, hope Sheffield goes the way you want it to go. And news of kitty! That's brilliant - cats that are loved do learn to be responsive to us
    Retired August 2016
    • Watty1
    • By Watty1 20th Sep 17, 11:08 AM
    • 2,791 Posts
    • 19,420 Thanks
    Watty1
    Excellent day in Sheffield. It has taken about 9 months to get the deal to his point ...but .. it looks like it really is going to go ahead. Maybe another 3 months to hit market but really pleased.


    Downside was that then had to come home and support Mr Watty through the process of telling other family members about dad. Just brother and mother. Mother fine, they divorced many years ago but obviously there was still a connection there. Brother hasn't seen dad in many years but now informs us he has had many happy memories of the cottage and asks what is going to happen to the place....... I am trying to be tactful but can't help be annoyed that there has been no useful input or practical help for over 15 years that we have dealt with dad and now suddenly brother wants to visit and coo over the old place.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
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