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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,903Posts
    • 20,116Thanks
    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 146
    • Watty1
    • By Watty1 7th Dec 17, 4:14 PM
    • 2,903 Posts
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    Watty1
    I must add because I know it will amuse some of you that I bought the gifts in a little shop near where I had a business meeting or coffee and gossip girls session depending on your point of view. The gifts were inexpensive (although very expensive compared with the hyacinth idea) and I really really really wanted to buy a candle that was called "monkey farts" candle. But I was persuaded not to by one of the girls .....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 7th Dec 17, 5:13 PM
    • 6,664 Posts
    • 48,848 Thanks
    apple muncher
    Indeed it does amuse!!!
    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 7th Dec 17, 5:49 PM
    • 6,527 Posts
    • 65,860 Thanks
    greent
    The candle sounds like a brilliant gift, surely?

    Glad kitten is now a 'proper' pet - she sounds sweet (and I'm not at all a cat person...) 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 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1985/2017 items
    • Karmacat
    • By Karmacat 8th Dec 17, 10:37 AM
    • 28,201 Posts
    • 155,396 Thanks
    Karmacat
    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.
    Originally posted by Watty1
    This is great, the whole lot of it

    But my intention is to be vaguely charming unless provoked in which case full Jack Russell attack and then leave
    This bit is so great I may have to steal it

    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.
    Originally posted by Watty1
    Oh! Ohhhhhhhhhhhhhhh! How gorgeous. I love her too!

    I must add because I know it will amuse some of you that I bought the gifts in a little shop near where I had a business meeting or coffee and gossip girls session depending on your point of view. The gifts were inexpensive (although very expensive compared with the hyacinth idea) and I really really really wanted to buy a candle that was called "monkey farts" candle. But I was persuaded not to by one of the girls .....
    Originally posted by Watty1
    They're really nice to you in that shop, aren't they brilliant.
    Retired August 2016
    • Watty1
    • By Watty1 8th Dec 17, 2:05 PM
    • 2,903 Posts
    • 20,116 Thanks
    Watty1
    Spendy day as went to have hair cut. As I have currently resigned from the 'throw everything at the mortgage' on account of home life situation I went to the nice little hairdressers which is vastly overpriced in a local very cutsy town. Would probably be drummed out of the MFW club forever if I admitted how much hairdresser cost but heck I like what she did, I was fussed over, parking was easy and the place was nice. Hairdresser told me I couldn't have my hair pink as people would think it was a mid life crisis. Made me giggle. She told me to wait 20 years then people would be impressed and think I was really cool


    Popped into the kitchen/cook/gadget shop and bought a couple of small dishes I wanted for me as they do spark joy and fill in need and then on to gift shop and bought a birthday card for sister.


    Astonished by stuff in gift/card shop. Who really needs that much tat at Christmas??? And honestly is it going to make anyone feel festive to have all that stuff with reindeers on ??


    Bought Christmas Edition of the Big Issue from a seller, scowled at everyone who walked past and said hello but didn't buy from her while I was checking I had £3 in purse in cash. Really from the shops it is a very affluent town and I would expect the Big Issue seller to be doing ok, not shivering in a doorway.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • edinburgher
    • By edinburgher 8th Dec 17, 2:19 PM
    • 10,764 Posts
    • 56,369 Thanks
    edinburgher
    Hi Watty, sounds like you've been having a tough time of it.

    I've noticed that there does seem to be a lot of indifference to homeless people/Big Issue sellers in Glasgow at the moment. I believe that (perversely) homelessness seems to be on the increase and that this is numbing people to the terrible plight faced by those affected. A bit like giving fatigue...

    Pink hair is definitely cool when the rest of it is white/silver (and accompanied by a natty cut). There's a lady who I work with who has a very trendy pink section and it takes years off her. That said, I believe hers was funded by unhealthy amounts of credit card debt
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 8th Dec 17, 8:54 PM
    • 3,938 Posts
    • 36,327 Thanks
    Secret Saving Squirrel
    Hoping that tomorrow goes as well as can be expected xx
    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 9th Dec 17, 11:21 AM
    • 2,903 Posts
    • 20,116 Thanks
    Watty1
    The lunch is here. I have wrapped all presents beautifully in left over gift wrap, finished with found ribbon and on a whim wasted £12 on iced gingerbread men in cellophane and ribbon to use as gift tags. Regret the waste of £12 now, but, at least gifts look beautifully wrapped and no one can say I didn't make an effort. One car has a flat tire, so definitely taking mine so happy as have instant get out if needed.
    Mr Watty is happy his family are visiting as they haven't for years. Really I do wish he would wake up but hey ho. Best foot forwards. Off to glam self up out of yard jeans and tatty fleece
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Karmacat
    • By Karmacat 9th Dec 17, 11:34 AM
    • 28,201 Posts
    • 155,396 Thanks
    Karmacat
    It's here! Positive vibes being smooshed your way instantly. I'm glad you'll have your car with you.

    xxx
    Retired August 2016
    • greent
    • By greent 9th Dec 17, 6:29 PM
    • 6,527 Posts
    • 65,860 Thanks
    greent
    Hope it went well...... 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 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1985/2017 items
    • Watty1
    • By Watty1 10th Dec 17, 10:08 AM
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    Watty1
    Lunch went off ok. Brother decided each person should pay for own so was delighted we didn't end up picking up the tab. Gifts exchanged and all ok. I'm regifting one as its really nice but we just don't eat that much sweet stuff (its a selection tower with cakes, biscuits and chocolates and looks lovely and will make a nice gift for someone we give to each year). That leaves a cake suitable for a family of maybe 12 and I can't see us ever eating it and another as yet unwrapped gift which feels suspiciously like a box of chocolates. I have to drive to London in a couple of weeks so was planning to return the release pen the charity give us for kitten and I thought I would drop the cake and chocolates in there. The staff at the unit said last year that they hadn't been given anything festive other than the chocolates I took them when we collected kitten so I think they might really like them.


    And actually nephews in law were delightful and good company, the wife of one charming and the girlfriend of the other very sweet. I found myself thinking perhaps I was being unjust until I heard brother in law telling mother all about how hard it was for the young and on finding me scowling at him amended that to every generation thinks it is hard for the young. I was distracted by the others and when I turned back to see if I could butt in he was explaining to her how equity release was just not an option for him, and how his financial planning to help his sons had not been ideal because he had been a free lance worker for so long. I caustically replied that the life of the self employed was really tough and I too had made planning errors. Sister in law stepped in to say how lucky Mr Watty had a good job and I smiled sweetly and replied indeed it was 'lucky one of us had a good job and that the other actually earnt some real money" and let her think that one over . Ha!


    Then I expertly moved the conversation on to ask if she was excited about her long haul holiday in the new year and if she had already shopped for it (lucky guess there because she regaled me with all she had purchased to take ......)


    Delighted I survived the event without being tackled on inheritance issues .....and actually it would have been a very nice lunch were it not for the underlying subtext
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • EatingTheElephant
    • By EatingTheElephant 10th Dec 17, 10:32 AM
    • 1,163 Posts
    • 6,241 Thanks
    EatingTheElephant
    Well done on navigating the awkward lunch Watty, glad it wasn’t as bad as it could have been.
    • Karmacat
    • By Karmacat 10th Dec 17, 1:50 PM
    • 28,201 Posts
    • 155,396 Thanks
    Karmacat
    Well done Watty! You've hit it dead on the nose, it's important to find whatever positives there are while keeping true to yourself - between gifting to the kitten's rescue centre and the younger generation themselves seeming to be good folks, you've done ever so well
    Retired August 2016
    • Watty1
    • By Watty1 12th Dec 17, 9:45 AM
    • 2,903 Posts
    • 20,116 Thanks
    Watty1
    Well done Watty! You've hit it dead on the nose, it's important to find whatever positives there are while keeping true to yourself - between gifting to the kitten's rescue centre and the younger generation themselves seeming to be good folks, you've done ever so well
    Originally posted by Karmacat
    Aww thanks so much for your support And everyone else here too. x
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Watty1
    • By Watty1 12th Dec 17, 9:47 AM
    • 2,903 Posts
    • 20,116 Thanks
    Watty1
    Flying visit to update before going on jolly to London with two friends. So looking forward to horsey adventures at a big Christmassy show, gossiping, late night in hotel bar, lie in and more gossiping. Should be a much needed break. And in MSE news because there really should be some, I emptied the £2 coin money box yesterday to find I have £94 to have fun with. Brilliant I never noticed those £2 leaving my purse over the last 12 months and I have a lovely lump sum to just have pure fun with.
    The MFW part of me is thinking I could overpay that but with all that has gone on I have decided to just relax and have fun with it and spend it on me over the next 2 days
    Last edited by Watty1; 12-12-2017 at 9:49 AM.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Karmacat
    • By Karmacat 12th Dec 17, 1:02 PM
    • 28,201 Posts
    • 155,396 Thanks
    Karmacat
    That's good, we all need that balance - without it, that's when people start talking about burnout

    Have a brilliant time, it sounds great
    Retired August 2016
    • hiddenshadow
    • By hiddenshadow 12th Dec 17, 6:46 PM
    • 2,316 Posts
    • 10,370 Thanks
    hiddenshadow
    Enjoy your weekend! I'm jealous - we had so much fun going to Olympia a few years ago.

    Don't feel guilty not OPing the £94. As much as we preach "every little helps", in the grand scheme of things £94 is not going to save you much in interest or time paying things off, and it will get you a very nice weekend guilt-free.
    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%
    • greent
    • By greent 15th Dec 17, 7:21 PM
    • 6,527 Posts
    • 65,860 Thanks
    greent
    Have a lovely weekend - and enjoy spending your fun money
    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 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1985/2017 items
    • michelle09
    • By michelle09 16th Dec 17, 12:43 PM
    • 471 Posts
    • 1,898 Thanks
    michelle09
    Have a great weekend! I'm with hiddenshadow, even when every little helps, sometimes you night have to let loose a bit. Otherwise we'd all go entirely nuts.
    • Watty1
    • By Watty1 17th Dec 17, 10:59 AM
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    • 20,116 Thanks
    Watty1
    The time at Olympia was indeed lovely. We stayed in a posh hotel and the service was so very poor that we ended up having a large chunk of the bill removed so it was a bargain. And as we had a sense of humour about the whole thing and much laughter it didn't really spoil our time away at all. Bought a Christmas gift for one person, a pair of stirrups, a lovely mug and a book. Drank. Ate well. Gossip and giggles. Wonderful


    Only downside is that Most Handsome fetlock swelled up like a balloon and he is now on 'box rest' which means he has to stay in his stable. He is very unhappy as is Fell Pony who has to be kept in to keep Most Handsome calm. Fell Pony really cannot see the point of being a security blankie at all and clearly feels Most Handsome should pull his hooves together!!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
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