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This Time I'm Really Going To Do It

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  • gallygirl
    gallygirl Posts: 17,228 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    :j Great stuff :j
    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"
  • Watty1
    Watty1 Posts: 5,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks all :)
    Just checked on line and the money still hasn't left my account yet so not quite there.


    And oddly I feel more in debt than before :rotfl: as although I'm technically mortgage free I now have what I think of as real debts :rotfl: rather than a mortgage all be it interest free debts!
    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: 5,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Watty i hope you keep posting on here now your MF i dont want you leaving us hehe



    No chance. Need to get on a sound financial footing and I think having this diary has really helped me so far.


    This week is an eat out of stuff already in house challenge. Mr Watty has a week off work so no travel expenses and no work lunches to buy or meals out or drinks after work so most MSE from him too!


    Just prepping sausage casserole for dinner this evening.
    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 !!
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Love sausage casserole...our sausages and mash plan tonight might change now...hmm...and the weather here is more that than salad, that's for sure!
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    That is good news watty

    shame it hasnt gone thro tho hate it when this happens but i guess its for safety reasons so cant argue really
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Wonderful news Watty I am raising my hot Ribena to you :) 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
  • Watty1
    Watty1 Posts: 5,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Ali-OK wrote: »
    Love sausage casserole...our sausages and mash plan tonight might change now...hmm...and the weather here is more that than salad, that's for sure!
    Mine was what I think of as MuddyWhiteChicken's sausage casserole just because I found the link to the recipe in her diary. Really yum and 3 portions in freezer.

    Need to keep up my eating out of house/freezer so am planning chicken stew to use up celery and peppers today and spinach and potato curry (to start to use up the mountain of spinach in freezer) with carrot and cashew curry (using up carrots in bottom of fridge) for tomorrow. Will make small portion of prawn curry to add more protein.
    The protein makes such a difference to my mood.

    Now what can I do with a handful of parsnips found in bottom of fridge I wonder?????
    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: 5,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Rang the bank as the money still remains in my current account and the mortgage balance still shows as unpaid.
    The bank assured me payment is "in progress" and will hopefully show by the end of the week. And no more interest is due :)

    So now I feel the mortgage is done :j :j :j

    After the (no spend) party that I give myself for being mortgage free, the next challenge is to restore money to business and build a working capital fund as well. Over the last few months I have drained business to get MF and cashflow is ...ummm... lets just say I cannot actually pay bills at the moment.

    I am also around £3 k short on my tax due in January

    And we have no cash emergency fund.

    Serious economies are going to be needed for the next 12 months. Possibly more so than before as I always felt we had a safety net in the cash emergency fund and the business and getting M/F has just wiped that all out.
    Also need to start riding Most Handsome and have some fun with him too over the next 12 months.
    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 !!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    So there's a plan!

    And well done :j:j:j
    2023: the year I get to buy a car
  • Watty1
    Watty1 Posts: 5,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I know we waste a lot of food here :o
    The parsnips were nearly given to the ponies as a treat, but in full MSE spirit they are being turned into a portion of parsnip soup using a recipe found on the internet and will be frozen for winter days.
    Alternatively it might just be served at MF Party later today - bring own bowls if you want a serving :)
    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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