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This Time I'm Really Going To Do It

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  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So sorry to hear about your neighbour.x
  • Watty1
    Watty1 Posts: 6,820 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Alchemilla. The funeral service was taken by a friend of mine and was a lovely service. Just so very sad time.
    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: 6,820 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Busy weekend. Hired lorry to take babypony out. First time in lorry ever. What a good boy he was, both travelling and at competition.

    Decluttering was limited to throwing out a hat, a few bits and pieces and then today starting on filing cabinet. 5 inches in recycling bin. 3 inches shredded. Great job!

    Found a savings account with £5 in. Will work out tomorrow how to shift that into the overpayment pot!
    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: 6,820 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Woke up feeling a bit down about this. And then as I start to type why I can hear a voice in my head say *look how much you have cleared* And whilst I want to reply in an Eyeore style that is just because I've used savings and the endowment I have a nagging sense that acutally if I hadn't started the diary and made the committment some of that money might have drifted elsewhere.

    I want to say we will be paying a mortgage till we are in our 70s in my Eyeore voice but then I hear a voice in my head say look your mortgage repayments have fallen a lot. You could now make those repayments if you had a conventional job. Which you couldn't before you began this journey.

    Eyeore me wants to say that I can't see where to save any more money. And then the positive voice says come on look £200 made on ebay. And you did decide to spend money on restoring confidence with your horse. And look how well that is going.

    Positive voice is reminding Eyeore that January and February always have a lot of business expenses so there is no profit in the business and therefore there would be nothing to put to overpayment pot - but - equally this is the first time in years I have not had to take money from savings to get by.

    Eyeore off to muck out two 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 !!
  • Habibiboo
    Habibiboo Posts: 1,582 Forumite
    Watty1 wrote: »
    Woke up feeling a bit down about this. And then as I start to type why I can hear a voice in my head say *look how much you have cleared* And whilst I want to reply in an Eyeore style that is just because I've used savings and the endowment I have a nagging sense that acutally if I hadn't started the diary and made the committment some of that money might have drifted elsewhere.

    I want to say we will be paying a mortgage till we are in our 70s in my Eyeore voice but then I hear a voice in my head say look your mortgage repayments have fallen a lot. You could now make those repayments if you had a conventional job. Which you couldn't before you began this journey.

    Eyeore me wants to say that I can't see where to save any more money. And then the positive voice says come on look £200 made on ebay. And you did decide to spend money on restoring confidence with your horse. And look how well that is going.

    Positive voice is reminding Eyeore that January and February always have a lot of business expenses so there is no profit in the business and therefore there would be nothing to put to overpayment pot - but - equally this is the first time in years I have not had to take money from savings to get by.

    Eyeore off to muck out two horses.
    :wave:

    Hey Watty,

    Tell Eyeore that you're doing brilliantly. To a newbie like me, your signature's really inspiring - you've almost halved your mortgage since you started, something that mostly seems like a dream at my end of things, but your sig shows a reality which is possible with a lot of hard work and dedication, so your progress shows how my dream can also become a reality, and I really appreciate that.

    You're right about Jan and Feb too, they are always grotty on most fronts and losing your poor neighbour on top is plenty enough to bring out the little blue donkey, but I'll tell you what, it's March at the end of the week, and I'm sure Tigger will come out to play! Just hang in there (you're doing a grand job)!

    * Yes, I resisted bringing Pooh up in all this ... you've just been mucking out, after all! X
    Stash busting 2014 45 / 60 (balls of yarn)!
    2014 Sealed Pot #2136 ?/£500
    House: Decluttering 322 / 365
    Original mortgage [STRIKE]£149,000[/STRIKE][STRIKE]£117,750[/STRIKE];[STRIKE]£112,500[/STRIKE] MFW 2014#69 GOAL 1: [STRIKE]£109 K April[/STRIKE] ;) GOAL 2: [STRIKE]£103 K by Sept[/STRIKE] ;) GOAL 3: < £100k by end of 2014 MF goal: Nov 2020 - 4 years early
  • Watty1
    Watty1 Posts: 6,820 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Habibiboo that made me laugh! Cheers. Took DVD to post office to send to a friend in the US. Repaired my lovely leather purse whilst listening to Archers. Suprised at how much satisfaction can be had from doing something old style rather than just buying a new one. Now really must do some work.....
    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 !!
  • Hey Watty, I must say I got a bit lost with eeyore but just wanted to wish you sunshine and happiness, keep on swimming! x
    Mortgage Apr 18 £417,894 BTL Mar 18 £162,857
    Mortgage now -- £350,085 BTL now --- £162,668
  • Little green peas will give you a big :D and say you have come a long way and you are an inspiration to us all. Jan and Feb are rubbish and this is the time to show yourself how strong and resourceful you can be. Us friendly people on the forum know you are amazing already.:T Even if it learning something new that cheap to cook or using stuff in the back of the cupboard it's all :money: and you don't have make loads in one go for there to be a difference in the overall picture.
    Chin up lady you can do it.
    Lgp x x
    Mortgage value was £135,000 now £43,218
    TCB total £1200
  • Tell Eeyore to get lost in the hundred acre wood and hang out with Tigger instead x
    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
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You are allowed a wobble.
    Well done on the lorry. WHAT an achievement♡♡♡
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