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Southernman's steps to freedom!

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  • pavlovs_dog
    pavlovs_dog Posts: 10,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    SM I'd go for the watch. The MF journey is all about balance, and it is easy to go off course if you feel deprived of treats. By saving for it too, you feel much more like you've earned it than had you just gone out and bought it on a whim.
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • Southernman
    Southernman Posts: 605 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Yeah Pavlov I hear you! I should have overpaid a third of my yearly target by Feb at this rate!

    I'm planning to get some double pay overtime down my neck in 2013 if the opportunity is there as it's just so easy!!!
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • Southernman
    Southernman Posts: 605 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Went past a second hand jewellers and a watch I really liked was there. Two tone, diamonds instead of numbers on the face and a 2006 model so cheaper with room for bargaining. I tried it on and had to walk away to think about it. Going to return NYE during the day for another look.
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You don't NEED it!!!!! Who do you think you are - nattylula ;).
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Southernman
    Southernman Posts: 605 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Who???

    I don't need anything but I want it!
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    A combination of nattypants and lulabelle ;).

    So, this watch that you WANT, not need :D. Does it have a year marker so you can watch the years tick by as you don't pay your mortgage off.....

    Seriously, how long would it set you back? Only you can decide if it is worth it.

    GG (aka your conscience ;))

    July-9-Your-conscience.jpg
    9k=
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Southernman
    Southernman Posts: 605 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    I'm going to wait until an omega constellation comes into the second hand jewellers then I shall pounce. This could be tomorrow or 5 years time.

    Gallygirl you have officially guilted me.
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • Southernman
    Southernman Posts: 605 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    As it is 2013 tomorrow here are my aims

    1) get below £75k on the mortgage by December

    2) try and get back to my uni weight of 10 stones by December- this is more of a challenge than the mortgage one, i have to lose 1.5 stones and i can't see it being an easy slog. So no eating between meals and if i'm dying of hunger...why hello there cottage cheese.

    3) Enjoy Glastonbury!

    4) Get £500 of £2 coins by December!
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • Southernman
    Southernman Posts: 605 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Made my first overpayment of 2013...56p!! :rotfl:

    In other news my bin lid broke earlier :(

    Luckily it's Brabantia and under 10 years guarantee. I'm getting a new one sent out for free.

    Back in work tomorrow and not looking forward to it :(
    Mortgage 1: May 2012 £90,000 April 2020: £47,000
    Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Southernman wrote: »
    Back in work tomorrow and not looking forward to it :(

    I know. Me too. And 2 days doing budgets to look forward to :eek:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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