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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,982Posts
    • 20,808Thanks
    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 153
    • Karmacat
    • By Karmacat 13th Jan 18, 9:13 AM
    • 28,322 Posts
    • 157,670 Thanks
    Karmacat
    Surely - that's a good sign that Mr Wattie is taking the books with him. Just hope he has the time to read them through and helps even just a little.
    Originally posted by A Frayed Knot
    I agree. I get the sense that he wouldn't have done that if you hadn't been talking to him, Watty.

    And potential good news on the work issue. Hope you get the least-worst scenario there.
    Retired August 2016
    • themadvix
    • By themadvix 13th Jan 18, 11:44 AM
    • 1,230 Posts
    • 7,444 Thanks
    themadvix
    Enjoy the party Watty!! (and Apple and girls - sounds like it's going to be fab!)
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • greent
    • By greent 13th Jan 18, 3:30 PM
    • 6,653 Posts
    • 67,700 Thanks
    greent
    Really hope you've managed to go to the party!
    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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £17.38/£1000 PAYDOX18 £0/£30k ?? Decluttered 136/2018 items
    • EatingTheElephant
    • By EatingTheElephant 14th Jan 18, 9:06 AM
    • 1,191 Posts
    • 6,495 Thanks
    EatingTheElephant
    I agree. I get the sense that he wouldn't have done that if you hadn't been talking to him, Watty.

    And potential good news on the work issue. Hope you get the least-worst scenario there.
    Originally posted by Karmacat
    Both seconded by me, progress made on two fronts due to your hard work.

    Hope you enjoy the party.
    • Watty1
    • By Watty1 14th Jan 18, 9:20 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    Didn't do the party for good reasons and that was just fine. Inspired by KC I spent half an hour yesterday in the garden and half an hour today. I was going to pay someone to do the clearing but if I don't then the money can remain in the spotted hanky fund so my plan is to do half an hour each weekend day and 10 mins each working day.
    Also done some decluttering and a total of 36 items have left. Another 12 have been listed on bay of e. There are 3 bags to go to the charity shop of good stuff but that I just don't think is worth me selling. Would have been a couple more items but kitten pinched them for her toy stash and as the dog is not around she has spent some happy play time in the living room.

    I have a pile of CDs that are old lectures that I am going to try listening to while I work. If I don't enjoy that, then, they will be binned or sold and I have a pile of books that are on the review stash and are either keep or leave the house and beside the TV are some DVDs to watch and decide their fate.
    The office is coming along nicely in the declutter stakes. There is still more to do, but I am thinking that if I now had to move to another office I could do so without taking unwanted stuff with me. One drawer of filing is only research papers so could be thrown, but I have some plans for them, another couple of drawers are full of Mr Watty's stuff and I'm not touching that. Also leaving a shelf of his books untouched. Its not at the essential and much wanted stage yet but it is decluttered to a live and still find things and to a could be packed up if I had to and I would know what to take and what to leave.
    Have been feeling very down today so have just nipped to the local store for some chocolate which should cheer me up nicely
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • themadvix
    • By themadvix 15th Jan 18, 9:04 AM
    • 1,230 Posts
    • 7,444 Thanks
    themadvix
    Hope the chocolate helped! It sounds like you've been very productive over the weekend x
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • Karmacat
    • By Karmacat 15th Jan 18, 12:54 PM
    • 28,322 Posts
    • 157,670 Thanks
    Karmacat
    I'm sure we can all understand not doing something when you're feeling so down. Chocolate is a good first aid thing for those days (which reminds me to fetch some from my own cupboard, as I don't feel wonderful myself right now)...

    I'm glad you could apply my garden efforts to your own situation It can be a *lot* of money. And we all need to exercise our bodies, so if you do your own, its a win win.

    The decluttering is win win too, whether you stay or go, though I'm sorry your life is so uncertain right now. Knowing what you've got and what you want to take, even though its not finished, is great.

    The kitten will help, and the other animals too.
    Retired August 2016
    • Watty1
    • By Watty1 15th Jan 18, 4:33 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    Whilst mucking out I began to worry about the fact I have not heard from Mr Watty. I saw he was on whatsapp Friday late but I haven't heard from him. I rang twice yesterday and once this morning and no answer. I began to worry he had had an accident and so rung a former policeman we know to find out what the procedure is.
    He put my mind and rest and then, in a very male way, suggested a text to send that he swore a man would respond to. It was a very gentle text just saying was a bit worried but he managed to get that in to the text twice despite it being so short. Within an hour Mr Watty had phoned to say he was fine. So at least I don't have to worry about him being in hospital somewhere.
    I was glad I had called former Mr Policeman, although less glad when he began to talk about male attitudes and behaviours....... spent an hour in tears after that.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • Watty1
    • By Watty1 15th Jan 18, 4:37 PM
    • 2,982 Posts
    • 20,808 Thanks
    Watty1
    On work related stuff, I looked at some emails from an organisation I do work for and couldn't make any sense of them. I just felt totally overwhelmed. So I rang the chair and explained what is going on and that I just don't feel I can cope. She was very supportive and we agreed I would take a sabbatical. She was most keen I did not resign as she said that if would not be helpful if the worst happens that I lose to much from my life. That was good because I didn't really want to give it up, I just didn't feel as if I was managing the work so a sabbatical seemed a good solution. I have let them know formally that I will be taking a break for now and that everything that should come to me should now go to the chair of the organisation. It will give me some breathing space at least.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Knotted hanky fund now in full swing: £3776.40
    • A Frayed Knot
    • By A Frayed Knot 15th Jan 18, 8:54 PM
    • 2,196 Posts
    • 9,880 Thanks
    A Frayed Knot
    So much going on just now, its the answer to get the breathing space you need

    Hope all goes well and that you take time out for yourself. You have been going at it (organising, decluttering, managing etc, etc) hammer and tongs - as they say. You deserve the break.

    Good you had the friend to call on, even though he helped/helped not
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £4068.97
    • Karmacat
    • By Karmacat 15th Jan 18, 8:56 PM
    • 28,322 Posts
    • 157,670 Thanks
    Karmacat
    Phoning Mr Policeman was a real result, then ... and I'm glad Mr Watty's okay, it's not good to think of him injured somewhere ... My word, though, your organisation has come up trumps, thats quite something. I'm glad they're being helpful.
    Retired August 2016
    • ZTD
    • By ZTD 15th Jan 18, 9:22 PM
    • 23,460 Posts
    • 41,314 Thanks
    ZTD
    I was glad I had called former Mr Policeman, although less glad when he began to talk about male attitudes and behaviours....... spent an hour in tears after that.
    Originally posted by Watty1
    Why? What did he say?
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • themadvix
    • By themadvix 16th Jan 18, 9:04 AM
    • 1,230 Posts
    • 7,444 Thanks
    themadvix
    Glad Mr Watty is okay. Remember Mr Policeman sees the worst of society - you know Mr Watty and I'm sure you know what he would/wouldn't do.

    It sounds like the organisation's chair is a really good person - so glad they can help take some of the pressure off of you in the short term.
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
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