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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,897Posts
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    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 145
    • FloppyDisk
    • By FloppyDisk 27th Nov 17, 3:13 PM
    • 507 Posts
    • 3,715 Thanks
    FloppyDisk
    Watty I hope you are doing Ok, lots of sleep and freh air with a bit of wine every now and again!
    July 2012 £139,642 / Dec 2017 £111,214
    EF - £20,156/£25,000
    • apple muncher
    • By apple muncher 29th Nov 17, 7:51 AM
    • 6,644 Posts
    • 48,703 Thanks
    apple muncher
    How are you Watty?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
    • Watty1
    • By Watty1 3rd Dec 17, 9:00 PM
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    Watty1
    Keep meaning to catch up but then run out of time. Things have settled down somewhat. No resolutions in any way and I think it will be time before that happens. But we are living in the same house and getting along and doing things together sometimes so only time will tell. Doctor wanted to sign Mr Watty off again, and Mr Watty refused, but the boss suggested a compromise of reduced hours. That will impact the finances but I am sure we will manage and I am just being nice. I suspect it will take him a while to recover and I suspect the panic attacks, anxiety and so on are far worse than he is admitting.


    I'm trying to be nice. Not always successfully but mostly!


    I'm running more which helps me out. Did a 5 k Santa run today which was brilliant fun. Loved it. Mr Watty is working this evening so kitten is watching the blue planet, I am taking a few mins to catch up on here before taking dog to late night hay the ponies and bed.


    Running definitely quietens my mind.
    Last edited by Watty1; 03-12-2017 at 9:19 PM.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Watty1
    • By Watty1 4th Dec 17, 11:16 AM
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    Watty1
    Have woken with a lot of floaters in one eye. At least google reassures me that is what they are. Its making working rather difficult so quick call to opticians and am popping in there this afternoon. I'm overdue for an eye check anyway ...and planning a sneaky and definitely not MSE lunch in a lovely caf! nearby opticians. Its all black steel and green herbs and does healthy food ...but at a price


    the wheels coming of the relationship have definitely had an impact on the finances.....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Karmacat
    • By Karmacat 4th Dec 17, 1:04 PM
    • 28,180 Posts
    • 155,267 Thanks
    Karmacat
    Good to hear from you Watty, and that things are a bit calmer - not resolved, but calmer. The animals sound like a real anchor for you I love the idea of kitten watching the blue planet (running too, in theory, anyway ).

    Yikes to floaters - stress? Good for you for getting it all seen to right away.
    Retired August 2016
    • apple muncher
    • By apple muncher 4th Dec 17, 5:20 PM
    • 6,644 Posts
    • 48,703 Thanks
    apple muncher
    I have had floaters for as long as I can remember. Then they went from one eye after a) having a partially detached retina re-attached and b) having a cataract op in the same eye, cataract being 'caused' by the re-attachment process. Not the best way to get rid of them, so I do not recommend it!

    And they do return. Sigh. Opticians can see them and they always told me yhey were normal. Put paid to any aspirations to work in air traffic control, though...

    Am super impressd with you for running. And for still being there. And for being as kind as you can. And for looking after yourself. Always rooting for you .
    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
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 4th Dec 17, 6:07 PM
    • 3,938 Posts
    • 36,301 Thanks
    Secret Saving Squirrel
    Hope the optician visit goes well x
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Watty1
    • By Watty1 5th Dec 17, 9:12 PM
    • 2,897 Posts
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    Watty1
    Optician was really thorough and I felt reassured ....although ..did have a reaction to eye drops and haven't been able to do much for 24 hours (sigh)....


    Mr Watty away on course so just me and the animals at the moment. Most Handsome put his best foot forward and went lame ...but ...seems to be improving without the need for vet and has a long standing appointment with back lady tomorrow so we will see what she finds.


    And ... Mr Watty's brother and his sons are coming for a Christmas celebration on Saturday. I have had a text sent to all advising us of this. Of course I am delighted - not ! Funny how I haven't seen the nephews in ages and now here they are coming to enjoy a festive lunch with us. Odd that ? Or am I just cynical ?
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Watty1
    • By Watty1 5th Dec 17, 9:17 PM
    • 2,897 Posts
    • 20,062 Thanks
    Watty1
    I have had floaters for as long as I can remember. Then they went from one eye after a) having a partially detached retina re-attached and b) having a cataract op in the same eye, cataract being 'caused' by the re-attachment process. Not the best way to get rid of them, so I do not recommend it!.
    Originally posted by apple muncher


    Ohh…sounds awful… poor you.


    Am super impressd with you for running. And for still being there. And for being as kind as you can. And for looking after yourself. Always rooting for you
    Originally posted by apple muncher
    Thank you. You really helped, more than you might have realised J
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 6th Dec 17, 7:07 AM
    • 6,644 Posts
    • 48,703 Thanks
    apple muncher
    Yikes - this sat? Well, I guess it gets it over with.... Le's hope that they bring some festive cheer and do not expect it to be served up on a plate to them while they just sit back.

    You could always need to go and check on Most Handsome's dodgy foot - could take you hours, youknow...

    Am joining you over in the cynical camp. Chin up, chuck 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
    • Watty1
    • By Watty1 6th Dec 17, 8:13 AM
    • 2,897 Posts
    • 20,062 Thanks
    Watty1
    Yikes - this sat? Well, I guess it gets it over with.... Le's hope that they bring some festive cheer and do not expect it to be served up on a plate to them while they just sit back.

    You could always need to go and check on Most Handsome's dodgy foot - could take you hours, youknow...

    Am joining you over in the cynical camp. Chin up, chuck x
    Originally posted by apple muncher
    They have booked a table in a local trendy gastro pub. And are coming mob handed in that brother, sister in law, two sons and girlfriends all coming.....and are even bringing presents. I caustically said I gave up doing gifts when the boys turned 18 as we had never had a thank you note. But brother said it might be a bit embarrassing if we did not swap. Frankly I thought I would survive .... but... will now add shopping to my increasing list of "things to do"
    I realise this is (a) brothers only visit to his mother over Christmas and he will then feel he has done his bit - and - (b) an attempt to soften me up and make me realise his lovely sons need money ......
    I guess most readers of this diary will realise that (a) infuriates me and (b) is totally pointless
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Betterthanever
    • By Betterthanever 6th Dec 17, 9:02 AM
    • 403 Posts
    • 2,181 Thanks
    Betterthanever
    Oh how I wish I had something really constructive to say! I'm infuriated for you, but that doesn't really help much, does it!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • Karmacat
    • By Karmacat 6th Dec 17, 10:11 AM
    • 28,180 Posts
    • 155,267 Thanks
    Karmacat
    I caustically said I gave up doing gifts when the boys turned 18 as we had never had a thank you note. But brother said it might be a bit embarrassing if we did not swap. Frankly I thought I would survive .... but... will now add shopping to my increasing list of "things to do"
    Originally posted by Watty1
    Argh! About 5 years ago, my auntie (my mum's sister) told my mum that she'd be stopping giving me a present (I was always in their town over Christmas). Absolutely fair enough - it's only a stocking filler, but she was very elderly, and I was then in my 50s, so why not? But a couple of years after that, she felt sorry for me being so ill, and told my mum that she'd be buying me a Christmas present again. My mum told me, so that I could then buy her a present.

    Ahem. I was incensed! I'm not going to work like that! I don't mind in the least telling/agreeing to stop gifting like that, but starting again? No! I told my mum straight away, and I stuck to it as well. My mum obviously hadn't told her sister, so I got a present from my aunt (an alarm clock that we knew was a freebie at a local store), and made an "oh so sorry, I didn't get anything" thing as best I could, and the hint was taken.

    /end rant.

    I guess most readers of this diary will realise that (a) infuriates me and (b) is totally pointless
    Yep They're not acting like good people, I'm sorry to say.
    Retired August 2016
    • apple muncher
    • By apple muncher 6th Dec 17, 5:44 PM
    • 6,644 Posts
    • 48,703 Thanks
    apple muncher
    Just a thought - could you buy pots of hyacinths, wrap 'em in a bit of cellophane and ribbon? They're £2 for a pot of 3 onthe street market near work, so I'm taking dh along and stocking up tomorrow. He'll carry them all home while I go on to work.

    Or they were £3 I think in sainz.

    Or aldee has something similar.
    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
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 6th Dec 17, 7:45 PM
    • 3,938 Posts
    • 36,301 Thanks
    Secret Saving Squirrel
    I am hopping mad on your behalf. Be prepared for the presents they bring to be rubbish. X
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • themadvix
    • By themadvix 7th Dec 17, 11:47 AM
    • 1,149 Posts
    • 6,702 Thanks
    themadvix
    Wow, they really know how to take the urine, don't they? So cross for you Watty!
    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
    • greent
    • By greent 7th Dec 17, 12:24 PM
    • 6,508 Posts
    • 65,688 Thanks
    greent
    Another one cross on your behalf here Only saving grace seems to be its in a pub, so you are not expected to cook/ clean up. Hopefully you're not expected to/ Mr Watty doesn't feel obliged/ guilted to pick up the tab...?

    Take comfort in kitten - does she sit by you at all yet?
    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
    • atypicalblonde
    • By atypicalblonde 7th Dec 17, 12:59 PM
    • 2,555 Posts
    • 16,383 Thanks
    atypicalblonde
    Gosh I'm mad Watty. I would stick to my guns and not buy them presents, don't let his behaviours cause you more stress. Will be 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
    • Watty1
    • By Watty1 7th Dec 17, 3:57 PM
    • 2,897 Posts
    • 20,062 Thanks
    Watty1
    I love you lot. You have really cheered me up. The hyacinths idea is fabulous ...thanks...but I have actually bought nice gifts because I could see it was stressing Mr Watty and I didn't want to make him worse.
    SSS has a good point about their gifts being rubbish .... I have no expectations on that front but I have been very nice and bought cute little guest towels for one of them, a room smelly thing for another and a cheese baker for another. My favourite is the cheese baker because it is a totally random gift and who the heck needs a dish for baking cheese in anyway


    I amused myself whilst mucking out this morning thinking of all the things I could say. And resolved that if they are awful I am totally prepared to get a taxi home from pub if I don't take my car, but preferably will drive at least some in my car so I can simply walk away and leave them there.
    And if they are as awful as I expect they can take Mr Watty and the dog away with them .... and kitten and I will have a glass of sparkly stuff.
    So nice gifts bought. But my intention is to be vaguely charming unless provoked in which case full Jack Russell attack and then leave
    Last edited by Watty1; 07-12-2017 at 4:02 PM.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Watty1
    • By Watty1 7th Dec 17, 4:01 PM
    • 2,897 Posts
    • 20,062 Thanks
    Watty1

    Take comfort in kitten - does she sit by you at all yet?
    x
    Originally posted by greent
    She does actually. She sometimes lays on the desk next to me and goes to sleep, has been caught snoozing on the end of the bed and the other morning she woke me by experimenting with the idea of snuggling up to a human. She doesn't want much in the way of stroking or petting but she is very happy to be around. In the evening she sits on the sofa watching telly or on the back of the sofa near me.
    She really is adorable.
    Oh and if the dog is out she runs to meet me when I come in which is so cute. She really has made it from feral to pet I think and I adore her.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
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