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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,836Posts
    • 19,657Thanks
    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 140
    • Watty1
    • By Watty1 2nd Oct 17, 10:31 AM
    • 2,836 Posts
    • 19,657 Thanks
    Watty1
    Mr Watty has a cold and so has a duvet day insisted on by me. I am in the office and should be working ....but...just spent a lovely hour or so reading on here. Lack the mental space to comment much but enjoyed diaries.
    Going to do some work now while waiting for a stock delivery. Must be able to do an hours work
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Karmacat
    • By Karmacat 2nd Oct 17, 10:37 AM
    • 27,863 Posts
    • 152,722 Thanks
    Karmacat
    Well, maybe an hour, in the comfort of your own home. No more! Mr Watty is having a duvet day, maybe you should have a sofa day
    Retired August 2016
    • Watty1
    • By Watty1 2nd Oct 17, 4:26 PM
    • 2,836 Posts
    • 19,657 Thanks
    Watty1
    Well, maybe an hour, in the comfort of your own home. No more! Mr Watty is having a duvet day, maybe you should have a sofa day
    Originally posted by Karmacat
    haha. He's being very male about it. The dog the sofa the duvet and the remote are all involved
    Better off at work to be honest
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • smallholdingsister
    • By smallholdingsister 2nd Oct 17, 6:57 PM
    • 3,406 Posts
    • 26,522 Thanks
    smallholdingsister
    Sounds like heaven!
    • Watty1
    • By Watty1 3rd Oct 17, 9:55 PM
    • 2,836 Posts
    • 19,657 Thanks
    Watty1
    Late catch up. Not a lot doing. Unpacked stock order. Think supplier has not sent all the goods - supplier says has - think this might be a lengthy debate
    Took Most Handsome for a hack and got stopped by someone I'd never met before locally who asked if I would take a look at his pony. Said pony was going to be dumped so he said he would have her but he knew nothing about ponies. She was a cute little thing but I was really worried about her eye so I asked him to call a vet. He said he would ... I hope he does. Pony was so cute, clearly very old and the chap was quite charming. Felt rather like a character in a 1960s girls pony story being stopped out riding and asked to look by some chap ..... I even climbed a fence
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Watty1
    • By Watty1 4th Oct 17, 10:15 PM
    • 2,836 Posts
    • 19,657 Thanks
    Watty1
    Even later tonight
    Delivery problems sorted.
    The florist dropped off the flowers for tomorrows funeral. They are so perfect I was moved to tears, just because they sum up Mr Watty's dad. The greenery is from the grape vine in the garden, ivy and from the hedges and there are roses and herbs and a few wild flowers with a few quinces all in an old kilner jar with a couple of apples to sit beside them. It just is ideal. Even Mr Watty said they were lovely.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 5th Oct 17, 6:52 AM
    • 6,425 Posts
    • 46,888 Thanks
    apple muncher
    Thinking of you all today, Watty. May it all run smoothly and you guys get to say your goodbyes in the way you want to x

    And the flowers sound perfect.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 5th Oct 17, 8:29 AM
    • 6,300 Posts
    • 63,858 Thanks
    greent
    The flowers sound absolutely lovely, watty

    Hope today goes as well as it possibly could 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) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • Karmacat
    • By Karmacat 5th Oct 17, 9:48 AM
    • 27,863 Posts
    • 152,722 Thanks
    Karmacat
    Oh gosh, its today? Echoing the others, the flowers sound utterly beautiful, and I hope the day goes the way you want it to go, as much as these things ever can.
    Retired August 2016
    • atypicalblonde
    • By atypicalblonde 5th Oct 17, 10:13 AM
    • 2,412 Posts
    • 15,006 Thanks
    atypicalblonde
    You're both in my thoughts xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 10.9.17 - £122,780
    Aiming to be MF 1.10.2020
    • apple muncher
    • By apple muncher 10th Oct 17, 2:27 PM
    • 6,425 Posts
    • 46,888 Thanks
    apple muncher
    thinking of you watty x
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 10th Oct 17, 3:56 PM
    • 27,863 Posts
    • 152,722 Thanks
    Karmacat
    Stopping by in case you'd posted ... thinking of you.
    Retired August 2016
    • Watty1
    • By Watty1 10th Oct 17, 5:35 PM
    • 2,836 Posts
    • 19,657 Thanks
    Watty1
    Thank you all so much. The funeral was actually quite nice, everyone who came lit a candle and sat quietly.


    We have then spent time clearing and sorting. Mr Watty has gone away for a couple of days with the dog on a road trip. I think he needed some down time and thinking and chilling time and I'm sure they will have a blast. They left before 5.00 am and were last heard of at lunch time in the lake district


    I'm here working away and doing clear up. Popped out and bought a very extravagant tea of a duck breast, oven ready veggies to just pop in, a slice of cheesecake and a small bottle of wine. Planning on a nice tea, a bit of distraction with TV and early night
    Will slowly start to catch up with everyones news over the next day or so. Thank you again for all the kind thoughts x
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Karmacat
    • By Karmacat 11th Oct 17, 11:24 AM
    • 27,863 Posts
    • 152,722 Thanks
    Karmacat
    Awww, Watty. I love the sound of your extravagant tea, that sounds great. Hope you can catch up on some sleep too.
    Retired August 2016
    • themadvix
    • By themadvix 11th Oct 17, 11:58 AM
    • 1,060 Posts
    • 6,025 Thanks
    themadvix
    So glad to hear it all went well and that you and Mr Watty are both getting some time to de-stress. Your tea sounded lovely (can't beat a slice of cheesecake in my book!).
    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
    • Betterthanever
    • By Betterthanever 11th Oct 17, 2:02 PM
    • 291 Posts
    • 1,127 Thanks
    Betterthanever
    Just catching up and sorry to read that it has been a bit of a meh time for you all. Mr W's road trip sounds like a good call and hopefully you can both move forward with appropriate memories, and focus on "life" again very soon. It's tough, I know, and there are no rules, of course, but as the comments already made on the thread show, everyone has the common theme of caring, which is so reassuring in this day and age!


    And as for cheesecake.....**enters drooling emoji here**
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • Watty1
    • By Watty1 11th Oct 17, 4:37 PM
    • 2,836 Posts
    • 19,657 Thanks
    Watty1
    the cheesecake was wonderful


    The wine however may have been a mistake. A delightful one but a mistake nevertheless
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 11th Oct 17, 5:37 PM
    • 6,425 Posts
    • 46,888 Thanks
    apple muncher
    But no one was around to witness your mistake . Ergo it didn't happen.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 11th Oct 17, 8:15 PM
    • 3,406 Posts
    • 26,522 Thanks
    smallholdingsister
    If you can't have wine after a funeral...
    • Watty1
    • By Watty1 13th Oct 17, 3:04 PM
    • 2,836 Posts
    • 19,657 Thanks
    Watty1
    Thanks AM and SHS ... love your point of view. Mr Watty abandoned camping and gone to stay with a friend in the highlands. Been hectic here, total computer failure caused the business to get a day behind and the stress of it all made me lose a lot of sleep. So tired today ..would love an early night but have arranged to go out with a couple this evening...am selling it to myself that it will be a nice meal and they are good company
    Turning it all into a positive I have made a weekend long list of "things to do" and planned a nice Sunday lunch out and ....included on the list is looking up some fun events to get Most Handsome out to! Have booked a "come as you are" dressage competition already, opting for that as I won't have to plait or find any show gear!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
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