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This Time I'm Really Going To Do It

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Comments

  • Dump it Watty - life's too short.

    Hope you're getting some Spring sunshine your way x
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • greent
    greent Posts: 10,906 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Second what atb says - you yourself said the pub wasn't much fun - its all very well spending money if you're going to get enjoyment out of it (life is for (balanced) living), but if it's not joyful then KM it ;)
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Watty1
    Watty1 Posts: 7,636 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Yes! Think that one is dumped.
    Lovely coffee morning with pals. £2.25 spent and lots of great business ideas there and came away motivated and happy.
    Back to the grind though and soon fed up with it all again! If only I could KM the need to work :rotfl:
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • themadvix
    themadvix Posts: 9,309 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Watty1 wrote: »
    If only I could KM the need to work :rotfl:


    You will be able to soon! :j
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Watty1
    Watty1 Posts: 7,636 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    themadvix wrote: »
    You will be able to soon! :j
    I hope so! Although I am working hard on developing the business for now :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Watty1
    Watty1 Posts: 7,636 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Was so excited about the new mortgage for the BTL - was going to save a considerable amount with unlimited repayments - :( The broker did not tell the truth! I thought it was too good to be true and after 2 months of wasting everyone's time with valuations and sending off paperworks the final paperwork arrived today and the overpayments are limited to 10%. Not happy with broker!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • greent
    greent Posts: 10,906 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Meh! :(:( I wouldn't be happy with that either.
    Are you going to look for a different deal?
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Watty1
    Watty1 Posts: 7,636 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    greent wrote: »
    Meh! :(:( I wouldn't be happy with that either.
    Are you going to look for a different deal?
    Undecided. I want to be able to overpay but I don't really have much of a plan - well a plan to be truthful - :rotfl: so a fix would save me £70 ish a month but if I can only overpay 10% on a deal that offers me a 2.2 % interest then having played with sums on a bit of paper I am not sure its worth it.... yes I know I can get 5% on some savings if I save monthly and I'm losing £70 a month but I'm all about the grand gestures with this mortgage lark and I like knowing when I have a sensible sum I can overpay.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • themadvix
    themadvix Posts: 9,309 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Developing the business sounds good - I need to do some of that too.

    That's rubbish about the broker/mortgage. Sounds like a difficult decision to make!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Watty1
    Watty1 Posts: 7,636 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hair cut.
    Overpayment made so need to update signature.
    Review of progress: was tackling sleep and actually this is going fairly well. Also drinking water and more mindful dental care. All doing reasonably well.
    Mood not great and still rather down which I think is predominately stress related so have filled in an assessment to see if I qualify for some CBT style counselling via GP. Should hear next week.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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