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This Time I'm Really Going To Do It

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  • Watty1
    Watty1 Posts: 6,937 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    lyndseyr75 wrote: »
    Congratulations Watty, on both mortgage and most handsome xx
    Thank you :)

    Goldiegirl wrote: »
    I was seriously spooked yesterday morning when I found a dead pigeon on the driveway yesterday:eek: I only settled when Mr Goldie had removed it!
    Them dead badgers is terrifying.


    You are both just encouraging Most Handsome :rotfl:

    Ali-OK wrote: »
    Enterprise programme sounds good, fingers crossed for a place. :)


    Now I think about it I really would love the place - so - I wish I had treated the application form more seriously with the respect it deserved rather than just firing it off. I am being rather hard on myself for that :(
    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 !!
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    dont be to hard on yourself watty regarding the EP we all do it worst thing is annoying yourself i know all to well

    great the money has gone out to great job finally can walk around your house and say i own every mm of it hehe :]
    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
  • Watty1
    Watty1 Posts: 6,937 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    dont be to hard on yourself watty regarding the EP we all do it worst thing is annoying yourself i know all to well


    Yes, it is indeed. The thinking it over and kicking even though it is too late.
    great the money has gone out to great job finally can walk around your house and say i own every mm of it hehe :]

    We did think about chalking our initials on the bricks one for him one for me one for him one for me - but - couldn't find the chalk :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 !!
  • You probably decluttered it.
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Yay!!!!!! Well done!!!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Watty1
    Watty1 Posts: 6,937 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You probably decluttered it.
    :rotfl:


    If you saw the state of the place you would know that another major declutter drive is required. Just can't seem to motivate self for that just 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 !!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm not surprised, watty - you need a bit of a break after the mortgage push - after all, everything else is still going on, and you need to keep juggling with all of that too!
    2023: the year I get to buy a car
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    I think de-cluttering fatigue can set in, if you do too much in a short period of time.

    It took 6 years to get to the point I'm at now. I say that de-cluttering is finished, but if we ever downsized, more things would have to go.

    The more I think about downsizing, the less I want to do it!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • Watty1
    Watty1 Posts: 6,937 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Goldiegirl wrote: »
    I think de-cluttering fatigue can set in, if you do too much in a short period of time.

    It took 6 years to get to the point I'm at now. I say that de-cluttering is finished, but if we ever downsized, more things would have to go.

    The more I think about downsizing, the less I want to do it!

    Love the idea of decluttering fatigue. Totally understand it and understand you wanting to stay put too :)
    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: 6,937 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 24 August 2015 at 11:48AM
    Just logged on to on-line banking and the mortgage is gone :j


    But forgot to cancel direct debit and so the bank took the monthly payment from my current account today :mad: at self


    I know they will refund it in time - but - hand to transfer £200 from savings to prevent an overdaft. Have now cancelled direct debit for future but cross with self for such silly schoolgirl error.:embarasse


    Have spent some time this morning binning all mortgage scrawls and calculations (I never got the hang of spreadsheets) and writing up new notes for the repayments of accounts. At this point looks like my ramblings on finances and ponies will be continuing for some time to come.
    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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