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This Time I'm Really Going To Do It

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Comments

  • Very impressed Watty.
    Mortgage value was £135,000 now £43,218
    TCB total £1200
  • FloppyDisk
    FloppyDisk Posts: 864 Forumite
    Tenth Anniversary 500 Posts
    Crumbs you are good at this Watty!
    Mortgage Apr 18 £417,894 BTL Mar 18 £162,857
    Mortgage now -- £350,085 BTL now --- £162,668
  • LauraJo
    LauraJo Posts: 1,041 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    Wow that's proper MSE!! Impressed :)
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
  • Watty1
    Watty1 Posts: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks all. Hbbb the dying is so easy. Alchemilla love the image of you dying everything. Did ponyplops start out a grey? :) Seriously it was so simple and effective that will be doing that again.

    Just had letter from bank, reducing savings rate to 0.5% and confirming it is still good to save. Err???? Better to overpay me thinks as interest rate on mortgage is 4 %.
    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 !!
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Alchemilla wrote: »
    Watty you upcycled! ☆★☆★☆

    I am a dyeing fiend! Curtains, bathmats, towels, sofa covers, my wedding dress.


    What did you do with your dyed wedding dress, Alchemilla?
    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
  • Watty1
    Watty1 Posts: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Made a pair of sheepskin boot/slippers usable again by use of pinking shears (77) and gardener came yesterday and used up top soil (78) and grass seed (79). Hope it takes as lawn very bare.


    Very exciting horse news - handsome baby has had his first jumping lesson. Lovely instructor rode him. We've loose schooled him and had a play about but this was first time proper jumping. He was somewhat perplexed that he was expected to go over the fence bless him, that really took some doing and it took her a while but she rode him beautifully. And stopped when he had jumped two small fences really nicely. Have suggested I pay her to jump him a few more times as I think he will learn a lot with her and ultimately be a better little pony 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 !!
  • Watty1
    Watty1 Posts: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    greent wrote: »
    What did you do with your dyed wedding dress, Alchemilla?



    Yes...curious minds want to know?
    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: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Busy weekend and busy day Monday. Went with friend and her horse to a show on Saturday, took dog training Sunday, sat in sun for too long so very red and then busy day Monday at work.


    My life is just such a whirl - hummm!!!


    Up until midnight last night working on a report that should have been finished by today. Sent it off at 23.49, nothing like scraping in at the last moment.


    Celebrated today with a great riding lesson with lovely instructor. We are teaching baby lateral work. Today he started to learn leg yield and quarters in. For the non horsey folk baby is just learning to fiddle about the riding arena :)
    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: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just been looking at my pension performance. It only made 2.8% last year. That did not seem very much interest to me. Then I remembered something. During one of my *think about finance* moments of which there were many that never amounted to anything I picked 6 shares. I found the list. I picked them in June 2012 and discovered that one of them has increased by 52% since then. A supermarket was amongst them and that had made a loss, and a bank was there and it stayed about the same, but the other 2 had made gains of 36% and 28%. Seems I outperformed my pension company :rotfl:


    But it wasn't real money. However, inspired by Ed's diary in part and by reading on here I'm now about to start reading up on investing. At least I'm doing the research before jumping in but am thinking about a flutter as a way of saving for retirement.
    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: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Have downloaded onto a kindle a book about investing. Am reading. Still on the overpayment mindset but am wondering about a flutter elsewhere.....


    Note choice of word "flutter". I have long suspected I am a gambler at heart and so stay away from bookmakers and the racing pages.:rotfl: All I have learnt so far is that a gambling mindset tends to mean one loses everything...yep ..I figured that out as a child going to horseraces as the odd family day out which is why I don't bet on the horses :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 !!
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