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This Time I'm Really Going To Do It

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  • Watty1
    Watty1 Posts: 6,889 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Karmacat wrote: »
    Sorry you felt down, Watty. You have a lot going on, on nearly every front, it's bound to pile up sometimes :( just carry on with your self care plans. And your plans in general, actually.

    xxx


    Thank you. Feeling brighter today... helped by sorting the finances.



    Would walking Most Handsome in hand be helpful? Might be an option if he's too full of himself to be ridden sensibly, or if you want a quick outing in horrid weather. ;)
    I think this is a really good idea. He has also begun to nap most alarmingly (for the non horsey reader, refusing to go in the direction his rider wishes) and whilst is happy to go down the hill and turn right refuses to turn left and refuses to turn left out of back gate as well. Today I only had a short while free but I decided he was going to go left out of back gate if it was last thing I ever did ....... I placed Mr Watty on traffic duty and said his role was to stop any cars and explain there were other roads they could take or they could pull over and wait it out. No cars showed up (yesterday there were a steady stream of them adding to my stress) and after 5 mins MH decided to simply give in. I think not having to worry about cars was pivotal.
    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: 6,889 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Began work on the knotted hanky fund. Checked credit cards and paid off a couple. I usually pay off in full each month. Checked bank accounts. Spending has not been as out of control as I suspected The joint account was struggling a bit so I have handed my cash over to Mr Watty and asked him not to use the joint account until he is paid. Need to check that again and find notes from accountant re how much tax to pay in Jan then knotted hanky fund can get going.
    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: 6,889 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    In other news one of the nephews has sent a thank you note to both Mr Watty and I for his Christmas gift. Ummm.....I would bless that if I were not so cynical. I stopped sending gifts when he was 18 as I had never had a thank you note. This year under pressure gifts were exchanged and we get a thank you note. I am trying to be nice :rotfl: trying honestly
    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: 6,889 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 30 December 2017 at 4:44AM
    Inspired by squirrel who first mentioned putting everything in knotted hanky and running away the knotted hanky saving is now fully underway. It will include all the money I have in accounts in my name only and so may fluctuate a bit if I have to draw cash out to spend or bail out the joint account but after setting aside the Jan tax money it stands today at a very respectable £3776.40

    I've set in my mind a target of end July for some kind of resolution as that is when the next tax instalment date is. Seemed fitting to work on tax payments dates somehow as they at least provide a marker in the year.
    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 !!
  • apple_muncher
    apple_muncher Posts: 15,242 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Well done you, getting started and having so many pennies gathered up.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • This is probably a sucking eggs situation and not sure if he is even allowed to trot but Plops (so nappy we call her Pampers) finds it much harder to do at a trot.
  • Watty1
    Watty1 Posts: 6,889 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done you, getting started and having so many pennies gathered up.


    thanks. Its mainly because I stopped overpaying when it all started to unravel and work was really good last September and I had left earnings in company.
    I was delighted with how much there was to start the fund off when I tallied it all up though. Was more than I thought there.




    This is probably a sucking eggs situation and not sure if he is even allowed to trot but Plops (so nappy we call her Pampers) finds it much harder to do at a trot.
    Great tip. No he isn't meant to be trotting but honestly he isn't supposed to be spinning in circles and hoping up and down on the spot either so a good trot out of the back gate and up the hill might help.....definitely a tip I will be trying out Sunday. Thank you.
    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: 6,889 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 30 December 2017 at 5:28AM
    unable to sleep. Remembered I hadn't set aside money for MH vet bill so have amended spreadsheet . The things we think of when sleep eludes us :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 !!
  • Watty1
    Watty1 Posts: 6,889 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Usefully used the unable to sleep time by applying for a credit card that does not charge fees on overseas transactions. Thank you for the tip MSE. Been meaning to do this for a while now. Buy something from overseas website every other month and this will be cheaper as no fee. Also used time to eat remaining chocolates! Going back to bed 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 !!
  • Sleep well xxx
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