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This Time I'm Really Going To Do It

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  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Hope all ok with you too Watty!
    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: 6,948 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Creeps back in, dusts self off and says hello to anyone that remembers me. Special thanks to Smallholding, Baldbybear, Firegirl and Karmacat for saying hi whilst I was off in lala land.


    I think life just unravelled. it had become one long end of aches, pains and feeling ill and I just got fed up of posting. And of doing anything and everything.


    So quick update: would love to say am bouncing around full of health but will not fib :) Kitty seems to have moved in permanently, she is a right little "chunky monkey" and now spends most nights here as well as the days. A far cry from the starving bald scrap we started feeding. I know she pops home from time to time to see Mr and Mrs Laurel Hedges next door (blooming hedge worse then ever :( It may soon take over near you at the rate is growing) Foggyfell and Most Handsome doing well. Most Handsome and I had a go at cross country a few weeks back, not our finest hour I had a major panic attack and burst into tears and came home. So Most Handsome and I are now working on some of the things that we can face together and I have plans to tackle my problems, so more of the horse news in days and weeks to come for those readers who enjoy such horsey news and apologies to the rest.


    And financial news - well this is an MSE diary after all. My trip to LaLa land has not meant I have spent wildly. In fact finances seem to be ok - and - drumroll - the building society have written to say that the overpayment restrictions on all their mortgages are being lifted and from October we can overpay 10%. So that's to come too. If I can clear the BTL mortgage then the rent will cover our monthly living costs so still planning on that as my focus as a step to financial freedom.


    Off to make a cup of tea and see who is about and posting :)
    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 !!
  • Wowee lovely to see you Watty and at least you took Most Handsome to the cross country. All good experience.

    I found cross country the scariest of the disciplines.
  • Watty1
    Watty1 Posts: 6,948 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Wowee lovely to see you Watty and at least you took Most Handsome to the cross country. All good experience.

    I found cross country the scariest of the disciplines.

    Thanks for the hello. Yup scary but actually I had the first melt down in the carpark when Most Handsome saw a few other horses and thought he was at the biggest rave in town. Actually he has the potential to be a very sensible boy but I think my worries unsettle him.


    So step one - I contacted someone I know and asked if we could join in some lessons at her riding school. We've been twice so far and Most Handsome loves the party. I spent most of the hour feeling sick with my fingers in his mane and praying :rotfl: Also gallop is possible in an arena and it is totally unnecessary to stop just because all the other horses have to enable to Watty to regain control. Instead Most Handsome treated them like skittles. And the lovely instructor said at the end "that was so much better than last week".
    I feel like a Thelwell cartoon !!
    First baby step is for me and Most Handsome to get used to being with other horses!
    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 !!
  • OMG skittles!!
  • Great to see you back and you are doing so well with Most Handsome. I think I need to follow your approach as well to get my boy ready for doing stuff too, a group lesson sounds like a great idea!
  • Hello Watty, nice to hear from you again. Good news about the overpayment restrictions.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years:D
  • Glad you are back, Watty. And still coherent - well done you!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Good to see you posting Watty.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • greent
    greent Posts: 10,798 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely to see you back Watty - we've missed you. Glad absence did not mean uncontrolled spending - and fab news on OP restrictions being lifted on BTL :) Are you saving up and then clearing it in one lump? - that's my current plan with ours

    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
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